Pre-provisioned wearable token devices

A method, comprising:

• receiving a request for funding account information from a third-party device, the request for funding account information identifying a pre-provisioned token stored in a database, the request not identifying a financial service provider or a payment network;
• accessing the database to retrieve token information associated with the pre-provisioned token identified in the request, the token information comprising at least (i) a plurality of link account numbers that each indicate a corresponding funding account, a corresponding financial service provider associated with the funding account, and a corresponding payment network, and (ii) one or more user preferences associated with the pre-provisioned token that indicate which link account number from among the plurality of link account numbers to select based on the requesting third party or a transaction amount;
• selecting one of the link account numbers based on at least one of the user preferences;
• and
• providing the selected link account number to the third-party device in response to the request for funding account information.

A non-transitory computer readable medium storing instructions that, when executed by one or more processors, cause the one or more processors to perform operations comprising:

• receiving a request for funding account information from a third-party device, the request for funding account information identifying a pre-provisioned token stored in a database, the request not identifying a financial service provider or a payment network;
• accessing the database to retrieve token information associated with the pre-provisioned token identified in the request, the token information comprising at least (i) a plurality of link account numbers that each indicate a corresponding funding account, a corresponding financial service provider associated with the funding account, and a corresponding payment network, and (ii) one or more user preferences associated with the pre-provisioned token that indicate which link account number from among the plurality of link account numbers to select based on the requesting third party or a transaction amount;
• selecting one of the link account numbers based on at least one of the user preferences;
• and
• providing the selected link account number to the third-party device in response to the request for funding account information.