Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.

A method for execution by a marketplace server includes detecting fraudulent acquisition of an exchange item by a first computing device, where the exchange item has a static identifier (ID) and a dynamic ID that is generated based on exchange item security parameters associated with the exchange item. The method further includes deactivating the dynamic ID and the exchange item security parameters in response to the detecting fraudulent acquisition, where the static ID of the exchange item remains active and valid. The method further includes generating second exchange item security parameters for the exchange item. The method further includes generating a second dynamic ID based on the second exchange item security parameters, where the second dynamic ID establishes the exchange item for utilization in an exchange item marketplace network. The method further includes updating a record in a marketplace database to include the second dynamic ID.

One embodiment may include a machine for providing beverages. The machine may include a reader configured to read data representative of an available balance for a user to obtain beverages from the machine from a machine-readable medium and electronics. The electronics may be configured to receive the data from the machine-readable medium in response to the user positioning the machine-readable medium within reading distance of the reader, enable the user to dispense a beverage into a vessel, and update the available balance of the machine-readable medium so as to reduce or prevent the user from dispensing unlimited beverages.

A method includes receiving, by a marketplace server, a sharing request regarding an exchange item from a first computing device, where the sharing request indicates a sharing approach for sharing the exchange item with one or more other computing devices and includes dynamic exchange item information generated by the first computing device. The method further includes verifying, by the marketplace server, the dynamic exchange item information received from the first computing device. When the verification is favorable, the method includes generating shared exchange item security parameters for the one or more other computing devices, generating shared exchange item information in accordance with the sharing approach, and sending the shared exchange item security parameters and the shared exchange item information to the one or more other computing devices for facilitating utilization of the exchange item by the one or more other computing devices in accordance with the shared approach.

In some embodiments, systems, apparatuses and methods are provided herein useful to provide charge allocation for split tender transactions. In some embodiments, a system includes a payment rules database, a product database, a customer database, a network interface, and a control circuit. In some embodiments, the control circuit: retrieves payment instruments associated with a customer account; retrieves eligibility rules associated with the payment instruments; receives a list of products for purchase; determines an allocation order for the payment instruments; determines a charge allocation between the payment instruments; causes the charge allocation to be displayed via a user payment user interface on a user device; and processes a transaction using two or more of the payment instruments based on the charge allocation.

Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

A method and system for the purchase and activation of services on a wireless device are provided. The method and system include the use of an airtime card with a near field communication tag with a unique identifier code used to improve a user's experience and ease of activation/provisioning of services for the wireless device. In some aspects, the unique identifier may be generated during the activation and purchase of the wireless service and it is not required that the unique identifier code be recorded in a backend system of the wireless provider prior to activation. The services to be purchased and activated may include at least one of the following: out of the box activation, device upgrades, device reactivations, wireless number changes, wireless number porting, and the addition or purchasing of services including airtime, data, and/or SMS enrollments or data content.

A prepaid electronic funds transferring system, components, and method is provided for users that do not have checking or savings accounts. A user has a digital currency store such as, for example, in a non-checking non-savings prepaid account associated with a secure unified prepaid banking card and/or smartphone app. Interest may be provided by an issuer on funds in the digital currency store. Debit and credit transactions may be processed. NFC and UWB geo-locating can be used to find lost cards and/or the mobile device on which the app is loaded. Electronic transactions may be received and performed without requiring a recipient to download an app. Secure semiconductors may facilitate wireless and non-wireless communications with ATMs and POS machines. QR codes may identify accounts, constitute private/public encryption keys, or other relevant info. A cold storage or hot storage system may be implemented for the digital currency store.

The invention relates to a card, in particular a chip card, including a computing unit for managing electronic coin data records, the electronic coin data records being issued by a central entity, and a card body with visible data and at least one visible feature. The central entity is at the same time the issuer or administrator of a series of banknotes and the at least one visible feature identifies the card as part of the series of banknotes to an observer. In addition, a method for producing such a card is also proposed.

The invention is directed to systems and methods of conducting transactions associated with a transit card. A method of conducting transactions may be conducted between a processor and a transit processor. Steps may include receiving a redemption request and determining if it is a pre-authorization request or a redemption; if the redemption request is a pre-authorization request, determining if the account is authorized for a particular transit type. If the account is authorized, communicating approval to the transit processor. If the account is not authorized communicating denial. If the redemption request is a redemption: determining if account value is sufficient to pay the redemption amount; if not, denying and if so approving the transaction and deducting the amount, and determining if the account value is below a pre-determined threshold for a particular transit types, and if so, updating the status of the account at a data store.