Circuit-based transaction with secure-access processing

A smartphone comprising at least one processor and at least one non-transitory computer readable medium comprising instructions that, when executed by the at least one processor, are configured to:

• receive, at the smartphone, inputs comprising login data to access a unified account, the unified account comprising backend connections to a plurality of individual accounts;
• in response to authenticating the login data, trigger, via an API, retrieval of updated data associated with the plurality of individual accounts;
• capture geo-locating data using the smartphone;
• detect, using the geo-locating data, a merchant in proximity to the smartphone;
• automatically select, via the smartphone based on the merchant in proximity to the smartphone and the updated data, one of a plurality of processing networks linked to the plurality of individual accounts;
• receive coded and/or encrypted numbers associated with the selected one of the plurality of processing networks, the coded and/or encrypted numbers representing relevant data for using one of the plurality of individual accounts;
• and
• in response to the smartphone being placed in physical proximity with a terminal associated with the merchant, automatically transmit, without further input from a user of the smartphone, the coded and/or encrypted numbers to the terminal without transmitting uncoded or unencrypted data indicative of the selected one of the plurality of processing networks.

A computer-implemented method comprising:

• receiving, at a smartphone, inputs comprising login data to access a unified account, the unified account comprising backend connections to a plurality of individual accounts;
• in response to authenticating the login data, triggering, via an API, retrieval of updated data associated with the plurality of individual accounts;
• capturing geo-locating data using the smartphone;
• detecting, using the geo-locating data, a merchant in proximity to the smartphone;
• automatically selecting, via the smartphone based on the merchant in proximity to the smartphone and the updated data, one of a plurality of processing networks linked to the plurality of individual accounts;
• receiving coded and/or encrypted numbers associated with the selected one of the plurality of processing networks, the coded and/or encrypted numbers representing relevant data for using one of the plurality of individual accounts;
• and
• in response to the smartphone being placed in physical proximity with a terminal associated with the merchant, automatically transmitting, without further input from a user of the smartphone, the coded and/or encrypted numbers to the terminal without transmitting uncoded or unencrypted data indicative of the selected one of the plurality of processing networks.

At least one non-transitory computer readable medium comprising instructions that, when executed by at least one processor, are configured to:

• receive, at a smartphone, inputs comprising login data to access a unified account, the unified account comprising backend connections to a plurality of individual accounts;
• in response to authenticating the login data, trigger, via an API, retrieval of updated data associated with the plurality of individual accounts;
• capture geo-locating data using the smartphone;
• detect, using the geo-locating data, a merchant in proximity to the smartphone;
• automatically select, via the smartphone based on the merchant in proximity to the smartphone and the updated data, one of a plurality of processing networks linked to the plurality of individual accounts;
• receive coded and/or encrypted numbers associated with the selected one of the plurality of processing networks, the coded and/or encrypted numbers representing relevant data for using one of the plurality of individual accounts;
• and
• in response to the smartphone being placed in physical proximity with a terminal associated with the merchant, automatically transmit, without further input from a user of the smartphone, the coded and/or encrypted numbers to the terminal without transmitting uncoded or unencrypted data indicative of the selected one of the plurality of processing networks.