Token-based determination of transaction processing resources

A system comprising:

• a non-transitory memory;
• and
• one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
• receiving a token request from a first transaction system, the token request for generating a token associated with a first user account;
• in response to receiving the token request,
• generating the token that authorizes a use of an initial transaction resource at a second transaction system, and
• generating transaction preferences that associate the token with a plurality of transaction resources at the second transaction system;
• transmitting the token to the first transaction system for a use at the first transaction system;
• receiving a transaction request, comprising the token, the transaction request for using the token for a first transaction;
• in response to receiving the transaction request, processing the first transaction based on the token, a monetary balance of the first user account, and the transaction preferences, the processing the first transaction including determining whether to revise the use of the initial transaction resource to one or more other transaction resources;
• linking a second user account at the first transaction system with the first user account at the second transaction system, wherein the linking comprises receiving an authorization, from the first transaction system, to change a default transaction resource, at the second transaction system, for a subsequent token;
• and
• exchanging, in response to the linking and between the first transaction system and the second transaction system, registration and configuration information of the first user account and the second user account, the exchanging making the first user account and the second user account accessible at either the first transaction system or at the second transaction system.

A non-transitory machine-readable medium having instructions stored thereon, the instructions executable to cause one or more hardware processors to perform operations comprising:

• receiving a token request from a first transaction system, the token request for generating a token associated with a first user account;
• in response to receiving the token request,
• generating the token that authorizes a use of an initial transaction resource at a second transaction system, and
• generating transaction preferences that associate the token with a plurality of transaction resources at the second transaction system;
• transmitting the token to the first transaction system for a use at the first transaction system;
• receiving a transaction request for using the token for a first transaction;
• in response to receiving the transaction request, processing the first transaction based on the token, a monetary balance of the first user account, and the transaction preferences, the processing the first transaction including determining whether to revise the use of the initial transaction resource to one or more other transaction resources;
• linking a second user account at the first transaction system with the first user account at the second transaction system, wherein the linking comprises receiving an authorization, from the first transaction system, to change a default transaction resource, at the second transaction system, for a subsequent token;
• and
• exchanging, in response to the linking and between the first transaction system and the second transaction system, registration and configuration information of the first user account and the second user account, the exchanging making the first user account and the second user account accessible at either the first transaction system or at the second transaction system.