Systems and processes are provided for instantly creating a user account with a payment service provider at a point of sale. The system and processes may include a computerized payment processing system for receiving personally identifiable information from a payment card of a customer provided at a merchant terminal and creating a user account based on the personally identifiable information. A personal identification number (PIN) associated with the user account may be generated and electronically delivered to the customer via an electronic messaging system for verification.

A system for updating a stored value card comprising a transaction device for receiving a request to update the stored value card; a transaction manager arranged in data communication with the transaction device; the transaction manager operable to process the request to update the stored value card; a clearing house arranged to receive processed request from the transaction manager and create a pending transaction status; and a stored value updater network operable to receive the stored value card and thereafter retrieve an identifier of the stored value card; the stored value updater network further operable to retrieve the pending transaction status from the clearing house; wherein upon successful verification of the pending transaction status and the stored value card, the stored value updater network updates the stored value card.

A combination business card and gift card with a coded information portion is provided to be sold and delivered to a recipient as a unit. The business gift card includes contact information along with graphics or logos. The business gift card also preferably includes a scannable encoded portion which, when an account in a remote computer corresponding to the encoded information is activated, enables the holder of the business gift card to obtain goods or services by access to credit corresponding to a gift card or SVC (stored value card) account from a remote database.

A computerized system for activating, issuing and otherwise managing transactions and activities pertaining to stored-value cards over a communications network. A central information database is provided for storing stored-value cardholder and card purchaser information received directly from respective stored-value cardholders and card purchasers PCs through a universal central processor via respective communication gateways. The central processor is coupled for communication realtime to multiple unaffiliated stored-value card processing networks normally operated by respective hosts. Each network includes a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices. The central processor is programmed for managing the activation and issuance of transactions and activities for the stored-value card through the respective unaffiliated networks. The universal central processor is programmed to issue the stored-value cards directly to the cardholder or card purchaser by download over respective communication gateways. The universal central processor is further programmed for reporting the card activations, issuances, transactions and activities to the cardholders and the merchants thereby providing a universal management system.

An account is managed using information read from a dual frequency transponder. Information stored on the dual frequency transponder can be read by a NFC-enabled device and by a UHF RFID reader. The information links, corresponds, or otherwise provides access to account information stored at a remote server. For example, a NFC-enabled device can read the information from the dual frequency transponder and use that information to enable instant and on-the-spot recharging of a toll account. In addition, a UHF RFID toll reader can scan information from the dual frequency transponder and use that information to debit toll charges from the correct toll account. The dual frequency transponder can be embedded in a license plate and read using a reader placed in the road. Additionally, the transponder can be configured to function at the correct frequency only when a valid vehicle registration sticker is applied to the license plate.

A method, system and computer program product for integrating a mobile payment application with other mobile applications while preventing security exposures. A set of application programming interfaces of mobile applications that may possibly be utilized by a pass created by a mobile payment application is generated in response to receiving an indication that the pass was created. A “pass,” as used herein, refers to a form of mobile payment, such as a gift card. A selection of these application programming interfaces may then be received to interact with the created pass. In this manner, the existing mobile applications are seamlessly integrated with the features of passes. Furthermore, a virtual container is created for the created pass and the selected application programming interfaces to interface with the created pass. By creating such a container, the data to be exposed to the application layer can be controlled.

A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.

A method includes receiving a communication identifying a remote database and a first value stored in the remote database that is being transferred to a first entity by a second entity. That first value is capable of being modified by the second entity. Modification of the first value stored in the remote database by the second entity is prevented by identifying an application programming interface allowing operations to be performed on the remote database, and using that API to transfer the first value so as to be associated with one or more other identifiers unknown to the second entity. After modification of the first value stored by the second entity is prevented, a transfer of a second value to a database record associated with the second entity is triggered. Related systems and applications of the method and those systems are also disclosed.

A method and a system convert the value of a gift card for use with a mobile device. The value of the gift card is determined from an issuer of the gift card. The value of the gift card is stored in a digital payment account in a storage device. The digital payment account stores values of gift cards from issuers. A financial transaction corresponding to the issuer of the gift card is performed on the digital payment account. The value of a first gift card from a first issuer of a first digital payment account is exchanged with the value of a second gift card from a second issuer of a second digital payment account.

In embodiments of the disclosure a method is disclosed for exchanging digital tokens from a message-based application is disclosed. The method includes displaying, by a digital wallet GUI, an inventory of tokens that are owned by a user. Each token is linked to a virtual representation of an item and redeemable for an instance of the item. The method also includes receiving an instruction to transfer a digital token from the inventory of tokens to a recipient, receiving a selection of a media content, and embedding a token identifier of the token in an electronic message that is sent to the recipient, such that the recipient can select the selectable media content to accept to the digital token into a respective account of the recipient.