System and method for providing third party payments with non-integrated merchants

1. A non-transitory, computer readable medium comprising code for a browser widget that, when executed by a processor, cause the processor to:

monitor interactions between a customer device and a third-party website associated with a merchant system, the customer device being linked to a non-integrated payment account associated with a user of the customer device, the non-integrated payment account comprising one or more non-integrated payment options (i) not offered by the third-party website and (ii) being serviced by an issuer system that is independent from and unassociated with the merchant system;

responsive to detecting a potential purchase of one or more items or services from the third-party website, determine retailer data from the third-party website, the retailer data comprising a transaction amount associated with the one or more items or services to be purchased from the third-party website;

determine, based at least in part on the retailer data and account data associated with the non-integrated payment account, that a purchase by the user is eligible for an applicable non-integrated payment option of the one or more non-integrated payment options;

output instructions for displaying, on a display of the customer device a selectable option associated with paying the transaction amount via the applicable non-integrated payment option; and

responsive to receiving, from the customer device, an indication of selection of the selectable option, transmit, to the issuer system, customer-inputted transaction data comprising information indicative of a purchasing financial account and the applicable non-integrated payment option, such that the issuer system is enabled to process a payment for purchase of the one or more items or services to be purchased from the third-party website by:

providing a temporary adjustment to the purchasing financial account to offset an amount of funds equal to the transaction amount;

transferring, from the purchasing financial account and to the merchant system, the amount of funds equal to the transaction amount; and

subsequent to transferring the amount of funds to the merchant system:

shifting payment of the amount of funds from an account associated with the applicable non-integrated payment option to the purchasing financial account; and

removing the temporary adjustment from the purchasing financial account.

2. The non-transitory, computer readable medium of claim 1 , wherein detecting the potential purchase of one or more items or services from the third-party website comprises at least one of:

selection of an item or service for purchase;

presentation, by the third-party website, of a shopping cart list indicative of one or more items selected for purchase;

presentation, by the third-party website, of a payment information interface;

presentation, by the third-party website, of one or more integrated payment options; and

receipt of a request to determine whether the purchase by the user is eligible for one of the one or more non-integrated payment options, the request received from the customer device and indicative of a manual request by the user.

3. The non-transitory, computer readable medium of claim 1 further comprising:

responsive to receiving, from the customer device, the indication of selection of the selectable option, output instructions for displaying, on the display of the customer device, a message indicative of a sufficient balance of funds for payment with the applicable non-integrated payment option and a potential impact on a status associated with the applicable non-integrated payment option.

4. The non-transitory, computer readable medium of claim 1 , wherein determining that the purchase by the user is eligible for the applicable non-integrated payment option comprises determining, based on the retailer data and the account data, the applicable non-integrated payment option has a sufficient amount of available credit to purchase the one or more items or services to be purchased from the third-party website.

5. The non-transitory, computer readable medium of claim 1 , wherein determining that the purchase by the user is eligible for the applicable non-integrated payment option comprises determining, based on the retailer data and the account data, whether the applicable non-integrated payment option has a sufficient number of rewards points to redeem as payment for the one or more items or services to be purchased from the third-party website.

6. The non-transitory, computer readable medium of claim 1 , wherein determining that the purchase by the user is eligible for the applicable non-integrated payment option comprises determining, based on the retailer data and the account data, whether the applicable non-integrated payment option qualifies for a credit limit increase or an alternate credit line to purchase the one or more items or services to be purchased from the third-party website.

7. The non-transitory, computer readable medium of claim 1 , wherein determining that the purchase by the user is eligible for the applicable non-integrated payment option comprises:

identifying at least one item or service of the one or more items or services to be purchased from the third-party website; and

determining that the at least one item or service is eligible to be purchased via redemption of rewards points associated with the issuer system.

8. The non-transitory, computer readable medium of claim 1 , wherein determining that the purchase by the user is eligible for the applicable non-integrated payment option comprises:

identifying at least one item or service of the one or more items or services to be purchased from the third-party website; and

determining that the at least one item or service is eligible to be purchased via a one-time line of credit.

9. A method comprising:

monitoring interactions between a customer device and a third-party website associated with a merchant system, the customer device being linked to a non-integrated payment account associated with a user of the customer device, the non-integrated payment account comprising one or more non-integrated payment options (i) not offered by the third-party website and (ii) being serviced by an issuer system that is independent from and unassociated with the merchant system;

responsive to detecting a potential purchase of one or more items or services from the third-party website, determining retailer data from the third-party website, the retailer data comprising a transaction amount associated with the one or more items or services to be purchased from the third-party website;

determining, based at least in part on the retailer data and account data associated with the non-integrated payment account, that a purchase by the user is eligible for an applicable non-integrated payment option of the one or more non-integrated payment options;

outputting instructions for displaying, on a display of the customer device a selectable option associated with paying the transaction amount via the applicable non-integrated payment option; and

responsive to receiving, from the customer device, an indication of selection of the selectable option, transmitting, to the issuer system, customer-inputted transaction data comprising information indicative of a purchasing financial account and the applicable non-integrated payment option, such that the issuer system is enabled to process a payment for purchase of the one or more items or services to be purchased from the third-party website by:

providing a temporary adjustment to the purchasing financial account to offset an amount of funds equal to the transaction amount;

transferring, from the purchasing financial account and to the merchant system, the amount of funds equal to the transaction amount; and

subsequent to transferring the amount of funds to the merchant system:

shifting payment of the amount of funds from an account associated with the applicable non-integrated payment option to the purchasing financial account; and

removing the temporary adjustment from the purchasing financial account.

10. The method of claim 9 , wherein detecting the potential purchase of one or more items or services from the third-party website comprises at least one of:

selection of an item or service for purchase;

presentation, by the third-party website, of a shopping cart list indicative of one or more items selected for purchase;

presentation, by the third-party website, of a payment information interface;

presentation, by the third-party website, of one or more integrated payment options; and

receipt of a request to determine whether the purchase by the user is eligible for one of the one or more non-integrated payment options, the request received from the customer device and indicative of a manual request by the user.

11. The method of claim 9 further comprising:

responsive to receiving, from the customer device, the indication of selection of the selectable option, output instructions for displaying, on the display of the customer device, a message indicative of a sufficient balance of funds for payment with the applicable non-integrated payment option and a potential impact on a status associated with the applicable non-integrated payment option.

12. The method of claim 9 , wherein determining that the purchase by the user is eligible for the applicable non-integrated payment option comprises determining, based on the retailer data and the account data, the applicable non-integrated payment option has a sufficient amount of available credit to purchase the one or more items or services to be purchased from the third-party website.

13. The method of claim 9 , wherein determining that the purchase by the user is eligible for the applicable non-integrated payment option comprises determining, based on the retailer data and the account data, whether the applicable non-integrated payment option has a sufficient number of rewards points to redeem as payment for the one or more items or services to be purchased from the third-party website.

14. The method of claim 9 , wherein determining that the purchase by the user is eligible for the applicable non-integrated payment option comprises determining, based on the retailer data and the account data, whether the applicable non-integrated payment option qualifies for a credit limit increase or an alternate credit line to purchase the one or more items or services to be purchased from the third-party website.

15. The method of claim 9 , wherein determining that the purchase by the user is eligible for the applicable non-integrated payment option comprises:

identifying at least one item or service of the one or more items or services to be purchased from the third-party website; and

determining that the at least one item or service is eligible to be purchased via redemption of rewards points associated with the issuer system.

16. The method of claim 9 , wherein determining that the purchase by the user is eligible for the applicable non-integrated payment option comprises:

identifying at least one item or service of the one or more items or services to be purchased from the third-party website; and

determining that the at least one item or service is eligible to be purchased via a one-time line of credit.

17. A non-transitory, computer-readable medium having instructions stored thereon that, when executed by one or more processors, cause a system to:

receive, from a browser widget linked to a non-integrated payment account associated with a customer device, retailer data comprising a transaction amount associated with one or more items or services to be purchased from a third-party website associated with a merchant system and payment information associated with a purchasing financial account;

determine, based at least in part on the retailer data and account data associated with the non-integrated payment account, that a purchase by a user associated with the non-integrated payment account is eligible for an applicable non-integrated payment option of one or more non-integrated payment options associated with the system, the one or more non-integrated payment options not offered by the third-party website and the system being independent from and unassociated with the merchant system;

output instructions for displaying, on a display of the customer device, a selectable option associated with paying the transaction amount via the applicable non-integrated payment option;

responsive to receiving an indication of selection of the selectable option, output instructions for displaying, on a display of the customer device, a message indicative of a sufficient balance of funds for payment with the applicable non-integrated payment option and a potential impact on a status associated with the applicable non-integrated payment option; and

transmit, to the merchant system, payment for purchase of the one or more items or services to be purchased from the third-party web site by:

providing a temporary adjustment to the purchasing financial account to offset an amount of funds equal to the transaction amount; and

transferring, from the purchasing financial account and to the merchant system, the amount of funds equal to the transaction amount; and

subsequent to transferring the amount of funds to the merchant system:

shifting payment of the amount of funds from an account associated with the applicable non-integrated payment option to the purchasing financial account; and

removing the temporary adjustment from the purchasing financial account.

18. The non-transitory, computer-readable medium of claim 17 , wherein determining that the purchase by the user is eligible for the applicable non-integrated payment option comprises determining, based on the retailer data and the account data, whether the applicable non-integrated payment option has a sufficient amount of available credit to purchase the one or more items or services to be purchased from the third-party website.

19. The non-transitory, computer-readable medium of claim 17 , wherein determining that the purchase by the user is eligible for the applicable non-integrated payment option comprises determining, based on the retailer data and the account data, whether the applicable non-integrated payment option has a sufficient number of rewards points to redeem as payment for the one or more items or services to be purchased from the third-party website.

20. The non-transitory, computer-readable medium of claim 17 , wherein determining that the purchase by the user is eligible for the applicable non-integrated payment option comprises determining, based on the retailer data and the account data, whether the applicable non-integrated payment option qualifies for a credit limit increase or an alternate credit line to purchase the one or more items or services to be purchased from the third-party website.