Providing payment account information associated with a digital wallet account to a user at a merchant point of sale device

1. A computer-implemented method to process a transaction via digital wallet payment account information of a user at a point of sale computing device of a merchant computing system, comprising:

receiving, by one or more computing devices and from a point of sale computing device associated with a merchant computing system, user identification information associated with a user and a request for payment account information associated with a digital wallet account of the user;

identifying, by the one or more computing devices, the digital wallet account of the user based on the user identification information;

retrieving, by the one or more computing devices, one or more payment account options associated with the digital wallet account of the user;

transmitting, by the one or more computing devices and to the point of sale computing device, the one or more payment account options for presentation by the point of sale computing device;

receiving, by the one or more computing devices and from the point of sale computing device, an indication of a selection at the point of sale computing device of a particular payment account option from the one or more payment account options;

generating, by the one or more computing devices, a payment token based on payment account information associated with the particular payment account option; and

transmitting, by the one or more computing devices, the payment token to the point of sale computing device for the point of sale computing device to process a payment transaction using the particular payment account option based on an issuer computing system associated with information in the payment token.

2. The method of claim 1 , further comprising:

at a time after identifying the digital wallet account of the user and at a time before transmitting the one or more payment account options, accessing, by the one or more computing devices, first user verification information associated with the digital wallet account;

transmitting, by the one or more computing devices and to the point of sale computing device, a request for user verification information to be displayed on the point of sale computing device;

receiving, by the one or more computing devices and from the point of sale computing device, second user verification information entered at the point of sale computing device; and

determining, by the one or more computing devices, that the second user verification information matches the first user verification information, and wherein transmitting the one or more payment account options is performed in response to determining that the second user verification information matches the first user verification information.

3. The method of claim 2 , wherein the first and second user verification information comprise one or more of biometric information associated with the user, a personal identification number, and a password.

4. The method of claim 1 , wherein the user identification information comprises an account number, a telephone number, an email address, or a hardware identifier associated with a computing device of the user in proximity to the point of sale computing device.

5. The method of claim 1 , wherein the one or more payment account options transmitted to the point of sale computing device comprise payment account information that is abbreviated or occluded.

6. The method of claim 1 , wherein the one or more payment account options comprise one or more of a credit account, a debit account, a bank account, a coupon, a rewards points account, a voucher, and an account associated with the merchant computing system.

7. A computer-implemented method to process a transaction via digital wallet payment account information of a user at a point of sale computing device of a merchant computing system, comprising;

receiving, by a point of sale computing device associated with a merchant computing system, an input of a request to process a transaction using payment information from a digital wallet account of a user;

receiving, by the point of sale computing device, user identification information;

transmitting, by the point of sale computing device and to one or more computing devices associated with the digital wallet account of the user, the user identification information and a request for payment account information associated with the digital wallet account of the user;

receiving, by the point of sale computing device and from the one or more computing devices, one or more payment account options associated with the digital wallet account of the user;

displaying, by the point of sale computing device, the one or more payment account options;

receiving, by the point of sale computing device, an indication of a selection of a particular payment account option from the one or more payment account options displayed via the point of sale computing system;

transmitting, by the point of sale computing device and to the one or more computing devices, the indication of the selection of the particular payment account option;

receiving, by the point of sale computing device and from the one or more computing devices, a payment token associated with the particular payment account option;

communicating, by the point of sale computing device and to an issuer computing system associated with the particular payment account option, a transaction authorization request and the payment token to process a payment transaction;

receiving, by the point of sale computing device and from the issuer computing system, an authorization of the transaction authorization request based on the particular payment account option; and

completing, by the point of sale computing device, the transaction based on the authorization.

8. The method of claim 7 , wherein the one or more payment account options comprise one or more of a credit account, a debit account, a bank account, a coupon, a rewards points account, a voucher, and an account associated with the merchant computing system.

9. The method of claim 7 , further comprising:

at a time before receiving the one or more payment account options, receiving, by the point of sale computing device and from the one or more computing devices, a request for user verification information associated with the digital wallet account of the user;

displaying, by the point of sale computing device, the request for user verification information;

receiving, by the point of sale computing device, user verification information; and

transmitting, by the point of sale computing device and to the one or more computing devices, the user verification information,

wherein the one or more computing devices verify the user verification information transmitted against user verification information stored in association with the digital wallet account of the user, and wherein receiving the one or more payment account options from the one or more computing devices is in response to the one or more computing devices verifying the user verification information.

10. The method of claim 9 , wherein the user verification information comprises biometric information, a password, or a personal identification number.

11. The method of claim 7 , wherein receiving the user identification information comprises:

establishing, by the point of sale computing device and with a user computing device in proximity to the point of sale computing device, a network connection;

transmitting, by the point of sale computing device and to the user computing device, a request for hardware identifier associated with the user computing device; and

receiving, by the point of sale computing device and from the user computing device, a hardware identifier,

wherein the user identification information transmitted to the one or more computing devices comprises at least the hardware identifier.

12. The method of claim 7 , wherein receiving the user identification information comprises:

displaying, by the point of sale computing device, a request for user identification information; and

receiving, by the point of sale computing device, user identification information entered via a user interface associated with the point of sale computing device.

13. A computer program product, comprising:

a non-transitory computer-readable medium having computer-readable program instructions embodied thereon that when executed by a computer cause the computer to provide digital wallet payment account information of a user to a point of sale computing device of a merchant computing system, the computer-readable program instructions comprising:

computer-readable program instructions to receive, from a point of sale computing device associated with a merchant computing system, user identification information associated with a user and a request for payment account information associated with a digital wallet account of the user;

computer-readable program instructions to identify the digital wallet account of the user based on the user identification information;

computer-readable program instructions to retrieve one or more payment account options associated with the digital wallet account of the user;

computer-readable program instructions to transmit, to the point of sale computing device, the one or more payment account options for presentation by point of sale computing device;

computer-readable program instructions to receive, from the point of sale computing device, an indication of a selection at the point of sale computing device of a particular payment account option from the one or more payment account options;

computer-readable program instructions to generate, a payment token based on payment account information associated with the particular payment account option; and

computer-readable program instructions to transmit, to the point of sale computing device, the payment token, wherein the point of sale computing device communicates the payment token to an issuer computing system associated with the payment account information to process a payment transaction using the particular payment account option.

14. The computer program product of claim 13 , further comprising:

computer-readable program instructions to access, at a time after identifying the digital wallet account of the user and at a time before transmitting the one or more payment account options, first user verification information associated with the digital wallet account;

computer-readable program instructions to, to the point of sale computing device, a request for user verification information to be displayed on the point of sale computing device;

computer-readable program instructions to receive, from the point of sale computing device, second user verification information entered at the point of sale computing device; and

computer-readable program instructions to determine that the second user verification information matches the first user verification information, and wherein transmitting the one or more payment account options is performed in response to determining that the second user verification information matches the first user verification information.