Systems and methods for executing filtered electronic transactions are disclosed. One method includes receiving, by an acquirer system of a filtered transaction processing system, a transaction request including transaction data from a merchant system, the transaction data including enhanced data or non-enhanced data. A status of the merchant system may be determined based on the transaction data, the status of the merchant system indicative of a participating status or a non-participating status. Upon determining the status of the merchant system indicative of the participating status, the transaction request may be transmitted to a first transaction network. The first transaction network may forward the transaction request to a categorization engine of the filtered transaction processing system. The categorization engine may categorize one or more items associated with the transaction request into one or more categories. The transaction request may be executed based on the one or more categories.

A computer-implemented method for allowing purchase of virtual gift cards includes receiving a communication indicating a gift card type and specifying a value amount. Responsive to the communication, a purchase of a virtual gift card of that type and storing that value amount is processed. This processing includes processing a payment for the specified value amount. Further, a gift card merchant application programming interface (API) capable of processing a purchase of a virtual gift card of the indicated gift card type is identified from amongst a set of such APIs. That API is used to initiate purchase of the virtual gift card. After the purchase is processed, an indication of the purchased virtual gift card is sent to a mobile computing device. The mobile computing device uses the indication to configure itself to allow transactions using the purchased virtual gift card to be initiated. Fraud detection may also be performed.

The present disclosure involves systems, software, and computer implemented methods for an improved method and system for providing payment card management and secured remote redemption without disclosure of a full card number. In one example method, a cloud service receives a notification from a merchant associated with a new payment card activation, the notification including a messaging identifier corresponding to an account associated with the payment card and its value. The cloud service can then associate, in an account associated with the messaging identifier, the new payment card and the messaging identifier. The new payment card is then assigned the value of the new payment card, and the cloud service can generate a notification message specific to the account associated with the messaging identifier, and can transmit the notification to a device associated with the messaging identifier of the account.

A computer system for providing reimbursement controls to insurance policies is provided. The computer system may include a processor in communication with a memory device. The processor may be configured to: (i) generate a plurality of predesignated policy levels having a maximum reimbursement amount for a user based at least in part upon user data, (ii) prompt the user to select a predesignated policy level of the plurality of predesignated policy levels that includes an insurance policy covering one or more item categories up to the associated maximum reimbursement amount, (iii) store the selected predesignated policy level, (iv) receive a claim from the user, (v) determine, in response to the claim and based at least in part upon the selected predesignated policy level and the associated maximum reimbursement amount, an actual reimbursement amount for each insured item category of the one or more item categories, and (vi) provide a payment device to the user having reimbursement controls that provide the actual reimbursement amount by insured item category.

The present disclosure describes systems, methods, and computer-readable storage media implementing techniques for providing split control of an execution environment. According to aspects of the disclosure, a first entity may be configured to exert control over presentation related aspects (e.g., the look and feel) of services provided by a second entity, while the second entity may exert control over backend processing and execution of the services. To facilitate the different portions of the split control, one or more servers may be configured to provide a first execution layer, a second execution layer, and a second execution layer control panel. The first execution layer may perform operations for executing the provisioning of the service. The second execution layer may perform operations for presenting the computing/execution environment for providing the service, and the second execution environment control panel may provide the first entity to customize/modify presentation related aspects of the computing/execution environment.

A computer-implemented method for prepaid card funding for a single transaction includes receiving, from a client, a request for funding a single transaction using a payment vehicle, providing funds for the single transaction with the payment vehicle, notifying the client that the funds are available for the single transaction with the payment vehicle, receiving notification from the client that the single transaction with the payment vehicle has been completed, and unloading remaining funds from the payment vehicle, such that no funds remain with the payment vehicle.

A method for registering and activating accounts includes: transmitting a first input from a user regarding opening an account at a financial institution; establishing a communication session based on exchanging encryption keys between the user device and the financial computing system; displaying a graphical user interface (GUI) comprising a request for a user verification; transmitting a received user verification to the financial computing system; updating the GUI to display a request to establish a personal identification number (PIN) for a physical payment card associated with the account; receiving the PIN from the user; transmitting a second input comprising the PIN and a request to provision the account to the user device; receiving a payment token associated with the account before the physical payment card associated with the account of the financial computing system is received by the user; and, storing the payment token for transactions via the user device.

A method of processing a gift card includes: receiving a registration request for registration of a gift card, the registration request including an identifier associated with at least one gift card user; registering a gift card for a gift card amount, the gift card having an expiration date; monitoring redemption of the gift card amount by at least determining whether at least a portion of the gift card amount has not been redeemed by the expiration date; and causing at least a portion of the gift card amount to be transferred to an account in an electronic gift card wallet associated with the at least one gift card user based on the identifier associated with the at least one gift card user. A system and computer program product for processing a gift card are also disclosed.

A radio frequency identification (RFID) switch tag is disclosed. This RFID switch tag includes a base component having an ultra-high frequency (UHF) booster, and a detachable component having at least one UHF RFID module and a high frequency (HF) RFID module. In some embodiments, the detachable component is positioned in close proximity to the base component in a first configuration of the RFID switch tag such that the at least one UHF RFID module is sufficiently coupled to the UHF booster in the base component to form an UHF RFID system having a desired performance. The detachable component can also be separated from the base component to obtain a second configuration of the RFID switch tag, and the HF RFID module remains functional within the detached detachable component so that the detachable component can be used as a standalone HF RFID tag.

A method for selling a cryptocurrency via a consumer-operated kiosk is provided. In some embodiments, the method: displays to a user, via a user interface, one or more options to purchase one or more cryptocurrencies; receives from the user, via the user interface, a selection of one of the cryptocurrencies; obtains a cryptocurrency exchange rate from a cryptocurrency exchange; presents the exchange rate to the user via the user interface; receives from the user payment for the selected cryptocurrency via a bill acceptor; purchases the selected cryptocurrency from the cryptocurrency exchange in an amount based on a value of the received payment and the exchange rate; and displays to the user, via the user interface, a receipt having a redemption code and a personal identification number (PIN), wherein both the redemption code and the PIN are necessary to obtain the selected cryptocurrency.