Automatically communicating user device data to a transaction computing system

A computer-implemented method, comprising:

• receiving, by one or more computing devices of a digital wallet system, a communication from a user computing device in response to the user computing device detecting a beacon signal associated with a merchant system terminal of a merchant system, the communication comprising a customer identification and terminal data associated with the merchant system terminal, the terminal data being determined from the beacon signal by the user computing device;
• identifying, by the one or more computing devices, a set of user data associated with the customer identification, the set of user data comprising at least one of user account data associated with the digital wallet system or loyalty data or offer data associated with the merchant system;
• communicating, by the one or more computing devices, a notification comprising the set of user data to the merchant system to be applied to a subsequent transaction, the notification being communicated prior to an initiation of the subsequent transaction between the user computing device and the merchant system terminal;
• and
• receiving, by the one or more computing devices, transaction data associated with a transaction conducted between the user computing device and the merchant system terminal using the set of user data.

One or more non-transitory computer-readable storage media that store instructions that, when executed by one or more processors, cause the one or more processors to perform operations, the operations comprising:

• receiving, by a digital wallet system, a communication from a user computing device in response to the user computing device detecting a beacon signal associated with a merchant system terminal of a merchant system, the communication comprising a customer identification and terminal data associated with the merchant system terminal, the terminal data being determined from the beacon signal by the user computing device;
• identifying a set of user data associated with the customer identification, the set of user data comprising at least one of user account data associated with the digital wallet system or loyalty data or offer data associated with the merchant system;
• communicating a notification comprising the set of user data to the merchant system to be applied to a subsequent transaction, the notification being communicated prior to an initiation of the subsequent transaction between the user computing device and the merchant system terminal;
• and
• receiving transaction data associated with a transaction conducted between the user computing device and the merchant system terminal using the set of user data.