Dynamic provisioning of wallets in a secure payment system

One or more computing systems for dynamically provisioning purchaser accounts based on transaction information and payment information, the one or more computing systems comprising:

• one or more computer-readable storage mediums for storing computer-executable instructions for controlling the one or more computing systems to:
• receive from a payment terminal via a secure connection transaction information and payment information;
• identify a purchaser account based on the payment information;
• updating the purchaser account based on the payment information;
• and
• settling the transaction;
• and
• one or more processors for executing the computer-executable instructions stored in the one or more computer-readable storage mediums.

A method performed by one or more computing systems for processing a payment for a transaction, the method comprising:

• receiving from a payment terminal via a secure connection transaction information and payment information for a transaction, the payment information derived from a payment card of a purchaser, the payment card associated with a payment service;
• identifying the purchaser from the payment information;
• and
• when the purchaser has a purchaser account, processing payment for the transaction via the purchaser account rather than the payment service.

One or more computing systems for processing a payment for a transaction via a purchaser account of a purchaser, the one or more computing system comprising:

• one or more computer-readable storage mediums for storing computer-executable instructions for controlling the one or more computing systems to:
• receive from a payment terminal via a secure connection transaction information and payment information for a transaction, the payment information derived from a payment card of the purchaser, the payment card associated with a payment service;
• identify the purchaser from the payment information;
• and
• process payment for the transaction via the purchaser account rather than the payment service;
• and
• one or more processors for executing the computer-executable instructions stored in the one or more computer-readable storage mediums.