Apparatuses, methods, and systems for transmitting payment proxy information

A payment object reader configured to facilitate payments, the payment object reader comprising:

• a near-field communication (NFC) system;
• a Bluetooth system;
• one or more processors;
• and
• one or more non-transitory computer-readable media maintaining instructions that, when executed by the one or more processors, cause the payment object reader to perform acts comprising:
• receiving a command, from a point-of-sale (POS) application and via the Bluetooth system, to read a transaction instrument using the NFC system, wherein the POS application is executing on a POS device of a merchant;
• reading payment information from the transaction instrument using the NFC system;
• sending the payment information to the POS application and via the Bluetooth system;
• receiving, from the POS application and via the Bluetooth system, a transaction proxy corresponding to a merchant financial account of the merchant;
• and
• sending, via the NFC system, the transaction proxy to the transaction instrument.