US Patent 11803833 Computing system implementing a network transaction service

A computing system can receive a transaction data set from a computing device of a merchant, which can indicate a transaction between the merchant and a user of a network transaction service. The system verifies the user's location at a merchant location associated with the merchant, and then funds the transaction from a shared funding source of the network transaction service. Subsequently, the computing system can access a customer account of the user to reimburse the shared funding account for an amount corresponding to the transaction.