Split tender in a prepaid architecture

A computer program product, comprising:

• a non-transitory computer-readable medium having computer-executable program instructions embodied therein that when executed by a computer cause the computer to process split tender purchase transactions utilizing delayed processing windows, the computer-executable program instructions comprising:
• computer-executable program instructions to receive a payment request from a merchant system, the payment request comprising an account identifier for a user account maintained by a payment management system and a transaction value;
• computer-executable program instructions to determine the user account that corresponds to the account identifier;
• computer-executable program instructions to authorize the merchant payment request prior to determining which of one or more financial accounts associated with the user account from which to request a funding payment for at least a portion of the transaction value and prior to determining that sufficient funds are available to support the transaction value;
• computer-executable program instructions to transmit the authorization to the one or more computing devices operated by the merchant system based on determining to approve the merchant payment and prior to determining which of one or more financial accounts associated with the user account from which to request a funding payment for at least a portion of the transaction value and prior to determining that sufficient funds are available to support the transaction value;
• and
• computer-executable program instructions to submit, at a time after transmitting the authorization, a first funding payment request to a first issuer computing system for the first portion of the transaction value, and a second funding payment request to a second issuer computing system for the second portion of the transaction value after determining the second financial account for submission of the second funding payment request.

A system to process split tender purchase transactions utilizing delayed processing windows, comprising:

• a storage medium;
• and
• a processor communicatively coupled to the storage medium, wherein the processor executes application code instructions that are stored in the storage medium to cause the system to:
• receive a payment request from a merchant system, the payment request comprising an account identifier for a user account maintained by a payment management system and a transaction value;
• determine the user account that corresponds to the account identifier;
• prior to determining which of one or more user financial accounts associated with the user account maintained by the payment management system from which to request a funding payment for at least a portion of the transaction value and prior to determining that sufficient funds are available to support the transaction value, authorize the payment request;
• transmit the authorization to the one or more computing devices operated by the merchant system based on determining to approve the merchant payment;
• at a time after transmitting the authorization,
• submit a first funding payment request to a first issuer computing system for the first portion of the transaction value;
• and
• submit a second funding payment request to a second issuer computing system for the second portion of the transaction value.