Providing payment account information associated with a digital wallet account to a user at a merchant point of sale device

A computer-implemented method to process a transaction via digital wallet payment account information of a user at a point of sale computing device of a merchant computing system, comprising;

• receiving, by a point of sale computing device associated with a merchant computing system, an input of a request to process a transaction using payment information from a digital wallet account of a user;
• receiving, by the point of sale computing device, user identification information;
• transmitting, by the point of sale computing device and to one or more computing devices associated with the digital wallet account of the user, the user identification information and a request for payment account information associated with the digital wallet account of the user;
• receiving, by the point of sale computing device and from the one or more computing devices, one or more payment account options associated with the digital wallet account of the user;
• displaying, by the point of sale computing device, the one or more payment account options;
• receiving, by the point of sale computing device, an indication of a selection of a particular payment account option from the one or more payment account options displayed via the point of sale computing system;
• transmitting, by the point of sale computing device and to the one or more computing devices, the indication of the selection of the particular payment account option;
• receiving, by the point of sale computing device and from the one or more computing devices, a payment token associated with the particular payment account option;
• communicating, by the point of sale computing device and to an issuer computing system associated with the particular payment account option, a transaction authorization request and the payment token to process a payment transaction;
• receiving, by the point of sale computing device and from the issuer computing system, an authorization of the transaction authorization request based on the particular payment account option;
• and
• completing, by the point of sale computing device, the transaction based on the authorization.

A computer program product, comprising:

• a non-transitory computer-readable medium having computer-readable program instructions embodied thereon that when executed by a computer cause the computer to provide digital wallet payment account information of a user to a point of sale computing device of a merchant computing system, the computer-readable program instructions comprising:
• computer-readable program instructions to receive, from a point of sale computing device associated with a merchant computing system, user identification information associated with a user and a request for payment account information associated with a digital wallet account of the user;
• computer-readable program instructions to identify the digital wallet account of the user based on the user identification information;
• computer-readable program instructions to retrieve one or more payment account options associated with the digital wallet account of the user;
• computer-readable program instructions to transmit, to the point of sale computing device, the one or more payment account options for presentation by point of sale computing device;
• computer-readable program instructions to receive, from the point of sale computing device, an indication of a selection at the point of sale computing device of a particular payment account option from the one or more payment account options;
• computer-readable program instructions to generate, a payment token based on payment account information associated with the particular payment account option;
• and
• computer-readable program instructions to transmit, to the point of sale computing device, the payment token, wherein the point of sale computing device communicates the payment token to an issuer computing system associated with the payment account information to process a payment transaction using the particular payment account option.