Methods and systems for selecting accounts and offers in payment transactions

1. A transaction management system, comprising:

a non-transitory memory; and

one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:

receiving a mobile payment indication and transaction information associated with a transaction from a point of sale device;

transmitting a checkout token to the point of sale device associated with the transaction;

associating checkout token information of the checkout token with the transaction;

establishing, for the transaction in response to a communication with a user device, a user session associated with a user account;

receiving, from the user device, the checkout token that was captured by the user device;

determining that the checkout token received from the user device corresponds to the checkout token information associated with the transaction;

receiving, from the point of sale device, a transaction amount;

updating the transaction information with the transaction amount;

determining, via the updated transaction information, one or more payment instruments for use with the transaction from a plurality of payment instruments associated with a user of the user device; and

transmitting, to the user device, information identifying the one or more payment instruments for use with the transaction for display on a user interface of the user device.

2. The transaction management system of claim 1 , wherein the operations further comprise:

determining, from the transaction information, an offer for the user of the user device, wherein the transaction information comprises merchant location information and wherein the offer is determined based on the merchant location information; and

transmitting, to the user device, the offer for display on the user interface of the user device.

3. The transaction management system of claim 2 , wherein the operations further comprise:

receiving a login request from the user device; and

authenticating the user device, the user of the user device, or both via the login request, wherein the offer is determined in response to the authenticating.

4. The transaction management system of claim 3 , wherein the operations further comprise:

determining a user profile based on the user account; and

determining a merchant profile for a merchant associated with the point of sale device, wherein the offer is determined based on one or both of the user profile or the merchant profile.

5. The transaction management system of claim 3 , wherein the login request is received after a mobile application is launched on the user device.

6. The transaction management system of claim 2 , wherein the transaction information comprises a transaction time or a transaction item, and wherein the offer is determined based on the transaction time or the transaction item.

7. The transaction management system of claim 1 , wherein the operations further comprise:

determining a transaction rule that is associated with the user;

selecting at least one of the payment instruments using the transaction rule; and

conducting the transaction using the at least one of the plurality of payment instruments.

8. A method comprising:

receiving a mobile payment indication and transaction information associated with a transaction;

transmitting a checkout token to an online shopping cart associated with the transaction;

associating checkout token information of the checkout token with the transaction;

establishing, for the transaction in response to a communication with a user device, a user session associated with a user account;

receiving, from the user device, the checkout token that was captured by the user device;

determining that the checkout token received from the user device corresponds to the checkout token information associated with the transaction;

determining, from the transaction information, an offer for a user of the user device;

transmitting, to the user device, the offer for display on a user interface of the user device;

receiving, from the online shopping cart, a transaction amount;

updating the transaction information with the transaction amount;

determining, via the updated transaction information, one or more payment instruments for use with the transaction from a plurality of payment instruments associated with the user; and

transmitting, to the user device, information identifying the one or more payment instruments for use with the transaction for display on the user interface of the user device.

9. The method of claim 8 , further comprising:

receiving a login request from the user device; and

authenticating the user device, the user of the user device, or both via the login request.

10. The method of claim 9 , further comprising:

determining a user profile of the user; and

determining a merchant profile for a merchant associated with the online shopping cart, wherein the offer is determined based on one or both of the user profile or the merchant profile.

11. The method of claim 9 , wherein the login request is received after a mobile payment application is launched on the user device.

12. The method of claim 8 , wherein the transaction information comprises a transaction time or a transaction item, and wherein the offer is determined based on the transaction time or the transaction item.

13. The method of claim 8 , further comprising:

determining a transaction rule that is associated with the user;

selecting at least one of the payment instruments using the transaction rule; and

conducting the transaction using the at least one of the plurality of payment instruments.

14. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

receiving a mobile payment indication and transaction information associated with a transaction;

transmitting a checkout token to a point of sale associated with the transaction;

associating checkout token information of the checkout token with the transaction;

establishing, for the transaction in response to a communication with a user device, a user session associated with a user account;

receiving user device information from the user device;

authenticating the user device based on the user device information;

receiving, from the user device, the checkout token that was captured by the user device;

determining that the checkout token received from the user device corresponds to the checkout token information associated with the transaction;

receiving, from the point of sale, a transaction amount;

updating the transaction information with the transaction amount;

determining, via the updated transaction information, one or more payment instruments for use with the transaction from a plurality of payment instruments associated with the user; and

transmitting, to the user device, information identifying the one or more payment instruments for use with the transaction for display on a user interface of the user device.

15. The non-transitory machine-readable medium of claim 14 , wherein the operations further comprise:

determining, in response to the authenticating the user device, an offer; and

transmitting, to the user device, the offer for display on the user interface.

16. The non-transitory machine-readable medium of claim 15 , wherein the point of sale is a point of sale device, wherein the transaction information comprises merchant location information of the point of sale device, and wherein the offer is determined based on the merchant location information.

17. The non-transitory machine-readable medium of claim 15 , wherein the operations further comprise:

receiving a login request from the user device; and

authenticating the user of the user device, or both via the login request.

18. The non-transitory machine-readable medium of claim 17 , wherein the login request is received after a mobile payment application is launched on the user device and wherein the operations further comprise:

determining a user profile of a user of the user device; and

determining a merchant profile for a merchant associated with the point of sale, wherein the offer is determined based on one or both of the user profile or the merchant profile.

19. The non-transitory machine-readable medium of claim 15 , wherein the transaction information comprises a transaction time or a transaction item, and wherein the offer is determined based on the transaction time or the transaction item.

20. The non-transitory machine-readable medium of claim 14 , wherein the operations further comprise:

determining a transaction rule that is associated with the user;

selecting at least one of the payment instruments using the transaction rule; and

conducting the transaction using the at least one of the plurality of payment instruments.