Merchant performed banking-type transactions

One or more computer-readable non-transitory storage media embodying software that is operable when executed to, at a remote transactions server:

• receive, from each of a plurality of point-of-sale (POS) systems, information identifying a respective merchant financial account of a plurality of merchants engaged in financial transactions with a plurality of customers, the financial transactions including electronic payments made by a subset of the plurality of customers by use of the POS systems, the electronic payments being associated with sales of goods or services to the plurality of customers, wherein the remote transactions server processes the electronic payments by obtaining funds from accounts associated with the plurality of customers and depositing a portion of the funds in one or more respective merchant financial accounts;
• in response to the electronic payments, automatically obtain funds from accounts associated with the subset of the plurality of customers, and depositing a portion of the funds in respective merchant financial accounts of the merchants;
• receive, from a POS system of a first merchant, code data electronically obtained from a mobile device associated with a customer that enables the remote transactions server to establish an identity of the customer in association with a banking-type transaction of the customer transacted by use of the POS system;
• establish the identity of the customer based on the code data electronically obtained from the mobile device and without any other physical form of identification for the customer being provided to the first merchant in association with the banking-type transaction;
• create a customer financial account at the remote transactions server based on the established identity of the customer, wherein the creation of the customer financial account includes writing data to a mapping database that automatically and remotely links the code data electronically obtained from the mobile device with the customer financial account, wherein the creating is performed, at a storage device accessible by the computer system;
• receive transaction information associated with the banking-type transaction, the transaction information including a type and an amount of the banking-type transaction, the banking-type transaction made at the first merchant;
• in response to receiving the transaction information, automatically access the mapping database to obtain account information for the customer financial account;
• adjust a monetary balance of the customer financial account at the remote transactions server based on the type and the amount of the banking-type transaction;
• determine a merchant financial account associated with the first merchant;
• and
• adjust the portion of the funds that are deposited in the merchant financial account based on the type and the amount of the banking-type transaction.

A system comprising:

• one or more processors;
• and
• one or more computer-readable non-transitory storage media coupled to one or more of the processors and comprising instructions operable when executed by one or more of the processors to cause the system to:
• receive, from each of a plurality of point-of-sale (POS) systems, information identifying a respective merchant financial account of a plurality of merchants engaged in financial transactions with a plurality of customers, the financial transactions including electronic payments made by a subset of the plurality of customers by use of the POS systems, the electronic payments being associated with sales of goods or services to the plurality of customers, wherein the remote transactions server processes the electronic payments by obtaining funds from accounts associated with the plurality of customers and depositing a portion of the funds in one or more respective merchant financial accounts;
• in response to the electronic payments, automatically obtain funds from accounts associated with the subset of the plurality of customers, and depositing a portion of the funds in respective merchant financial accounts of the merchants;
• receive, from a POS system of a first merchant, code data electronically obtained from a mobile device associated with a customer that enables the remote transactions server to establish an identity of the customer in association with a banking-type transaction of the customer transacted by use of the POS system;
• establish the identity of the customer based on the code data electronically obtained from the mobile device and without any other physical form of identification for the customer being provided to the first merchant in association with the banking-type transaction;
• create a customer financial account at the remote transactions server based on the established identity of the customer, wherein the creation of the customer financial account includes writing data to a mapping database that automatically and remotely links the code data electronically obtained from the mobile device with the customer financial account, wherein the creating is performed, at a storage device accessible by the computer system;
• receive transaction information associated with the banking-type transaction, the transaction information including a type and an amount of the banking-type transaction, the banking-type transaction made at the first merchant;
• in response to receiving the transaction information, automatically access the mapping database to obtain account information for the customer financial account;
• adjust a monetary balance of the customer financial account at the remote transactions server based on the type and the amount of the banking-type transaction;
• determine a merchant financial account associated with the first merchant;
• and
• adjust the portion of the funds that are deposited in the merchant financial account based on the type and the amount of the banking-type transaction.