Multi-account card

A system for conducting a transaction, the system comprising:

• one or more memory units for storing instructions;
• and
• one or more processors configured to execute the instructions to perform operations comprising:
• receiving information associated with a transaction initiated using a multi-account card, the multi-account card being associated with a plurality of accounts of a user;
• determining, for the accounts, whether the transaction is authorized by the accounts;
• transmitting, based on a determination that the transaction is not authorized, a notification to a client device of the user indicating the accounts for which the transaction is not authorized;
• receiving, from the client device, an indication to proceed using the accounts for which the transaction is authorized;
• generating a pending transaction for the authorized accounts to complete a purchase from a merchant;
• maintaining an opportunity for a period of time for a user to make a selection of one of the authorized accounts to complete the transaction;
• and
• completing the transaction based on the selection.

A computer-implemented method for conducting a transaction, the method comprising:

• receiving information associated with a transaction initiated using a multi-account card, the multi-account card being associated with a plurality of accounts of a user;
• determining, for the accounts, whether the transaction is authorized;
• transmitting, based on a determination that the transaction is not authorized, a notification to a client device of the user indicating the accounts for which the transaction is not authorized;
• receiving, from the client device, an indication to proceed using the accounts for which the transaction is authorized;
• generating a pending transaction for the authorized accounts to complete a purchase from a merchant;
• maintaining an opportunity for a period of time for a user to make a selection of one of the authorized accounts to complete the transaction after completing the purchase;
• and
• completing the transaction based on the selection.

A computer-implemented method for conducting a transaction, comprising:

• receiving information associated with a transaction initiated using a multi-account card, the multi-account card being associated with a plurality of accounts of a user;
• determining, for the accounts, whether the transaction is authorized;
• transmitting, based on a determination that the transaction is not authorized, a notification to a client device of the user indicating the accounts for which the transaction is not authorized;
• receiving, from the client device, an indication to proceed using the accounts for which the transaction is authorized;
• generating a pending transaction for each authorized account to complete a purchase from a merchant;
• completing the transaction based on a selection by the user of one of the authorized accounts;
• and
• cancelling, by the one or more processors, pending transactions created for authorized accounts not selected by the user to complete the transaction.