User interfaces for using shared databases for managing supplemental payment sources

A computer-implemented method of managing a plurality of supplemental payment sources of a user within a user interface, the method comprising:

• generating, by a computer processor, a user interface prompting a user to input:
• by way of an input field in the user interface, an identifier of a primary payment source account of a user for applying resources to transactions originating at one or more merchants, the primary payment source account being stored in a database, wherein the primary payment source account is represented by a primary payment source payment vehicle;
• by way of a plurality of input fields in the user interface, identifiers of one or more supplemental payment source accounts of the user for applying resources to transactions originating at one or more merchants, the supplemental payment source accounts being stored in the database, wherein the identifiers of the supplemental payment source accounts are linked in the database to the primary payment source account, and wherein the resources in the supplemental payment source accounts are applicable to transactions by the user presenting only the primary payment source payment vehicle to originate the transactions;
• and
• preference settings, linked to the identifier of the user's primary payment source account, for applying resources of the primary payment source account and one or more of the supplemental payment source accounts to transactions, based on merchant categories of merchants involved in the transactions;
• and
• upon receiving from the user a command to store payment processing preferences for a merchant category, linking the identifier of the user's primary payment source account with the preference settings, such that a transaction originated by the user presenting the primary payment source account and identifying a merchant category identifier of a merchant at which the transaction originates, is automatically processed using the stored payment processing preferences.

A system for managing a plurality of supplemental payment sources of a user within a user interface, the system comprising:

• a processor of a user device configured to generate and display a user interface prompting a user to input:
• by way of an input field in the user interface, an identifier of a primary payment source account of a user for applying resources to transactions originating at one or more merchants, the primary payment source account being accounted for in a first data structure of a shared ledger wherein the primary payment source account is represented by a primary payment source payment vehicle;
• by way of a plurality of input fields in the user interface, identifiers of one or more supplemental payment source accounts of the user for applying resources to transactions originating at one or more merchants, the supplemental payment source accounts being accounted for in second and subsequent data structures of the shared ledger, wherein the identifiers of the supplemental payment source accounts are linked in the second and subsequent data structures to the primary payment source account, and wherein the resources in the supplemental payment source accounts are applicable to transactions by the user presenting only the primary payment source payment vehicle to originate the transactions;
• and
• preference settings, linked to the identifier of the user's primary payment source account, for applying resources of the primary payment source account and one or more of the supplemental payment source accounts to transactions, based on merchant categories of merchants involved in the transactions, wherein the user interface comprises fields allowing user entry of (i) a plurality of payment combinations, each payment combination comprising identifiers of a combination of payment sources selectable from among the primary payment source account and the supplemental payment source accounts, each payment combination optionally including the primary payment source account, and (ii) an identifier of a specific merchant or merchant group linked to each combination;
• and one or more data storage devices storing:
• the received identifiers for the primary payment source account and the one or more supplemental payment source accounts and the received preference settings, linked to the identifier of the user's primary payment source account, in a database, for transactions involving merchants within the merchant category, such that a transaction originated by the user presenting the primary payment source account and identifying an identifier of a merchant at which the transaction originates, and a merchant category identifier of a merchant at which the transaction originates, is automatically processed using the stored payment processing preferences.

A non-transitory machine-readable medium storing instructions that, when executed by a user device of the supplemental payment service computing system, enable the user device of the supplemental payment services computing system to perform a method for managing a plurality of supplemental payment sources of a user, the method including:

• generating and displaying, by a computer processor, a user interface prompting a user to input:
• by way of an input field in the user interface, an identifier of a primary payment source account of a user for applying resources to transactions originating at one or more merchants, the primary payment source account being accounted for in a first data structure of a shared ledger wherein the primary payment source account is represented by a primary payment source payment vehicle;
• by way of a plurality of input fields in the user interface, identifiers of one or more supplemental payment source accounts of the user for applying resources to transactions originating at one or more merchants, the supplemental payment source accounts being accounted for in second and subsequent data structures of the shared ledger, wherein the identifiers of the supplemental payment source accounts are linked in the second and subsequent data structures to the primary payment source account, and wherein the resources in the supplemental payment source accounts are applicable to transactions by the user presenting only the primary payment source payment vehicle to originate the transactions;
• and
• preference settings, linked to the identifier of the user's primary payment source account, for applying resources of the primary payment source account and one or more of the supplemental payment source accounts to transactions, based on merchant categories of merchants involved in the transactions, wherein the user interface comprises fields allowing user entry of (i) a plurality of payment combinations, each payment combination comprising identifiers of a combination of payment sources selectable from among the primary payment source account and the supplemental payment source accounts, each payment combination optionally including the primary payment source account, and (ii) an identifier of a specific merchant or merchant group linked to each combination;
• and
• upon receiving from the user, by way of the user interface, a command to store payment processing preferences for a merchant category, linking the received identifier for the primary payment source account with the received preference settings, such that a transaction originated by the user presenting the primary payment source account and identifying a merchant category identifier of a merchant at which the transaction originates, is automatically processed using the stored payment processing preferences.