The gifting systems and corresponding methods of the present disclosure electronically provide a stored value instrument as a gift in place of a suggested product. The methods include taking a selected product offered for sale on a merchant's eCommerce website, converting that product into a gift suggestion, and delivering a personalized message including the gift suggestion and the stored value instrument to a gift recipient, based on various calculations, rules, and user inputs. The gift recipient can either purchase the suggested gift or any other gift from the eCommerce website's merchant using the stored value instrument. These systems and methods support multiple contributors to the gift and can be used via social or non-social networks. These systems and methods also support the delivery of personalized online messages related to a gift via social networks, email, or SMS. The personalized online messages include eGreeting cards, written messages, video recordings, and/or photos.

A transaction system and process includes providing financial transactions based on a single card. The transaction system and process further including providing prepaid wireless service based on the single card and providing long-distance service based on the single card.

A client selects several merchants with whom the card may be redeemed, the amount redeemable, and a design for the card, which is personalized for the card recipient.

Systems and methods for online billpay using credit products are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for online billpay using a credit product may include: (1) receiving, from a customer, an identification of a merchant for online credit-based bill pay; (2) retrieving accepted payment mechanisms from the merchant; (3) selecting a payment mechanism from the accepted payment mechanisms; (4) receiving an invoice for a customer transaction with the merchant from the merchant; (5) conducting a payment transaction with the selected payment mechanism; and (6) charging the payment transaction to a credit account associated with the customer.

A computer-implemented method for providing a lottery game including providing a lottery ticket for purchase; processing a purchase of the lottery ticket, wherein the lottery ticket was part of a purchase transaction comprising at least one good or service and the lottery ticket; and communicating a result of a lottery game comprising the lottery ticket.

Methods, computer program products, and apparatus for open tab transactions. A customer device, e.g., a smart phone, can generate an order for purchasing one or more goods or services from a merchant. A list of the items can be stored in a data structure designated as a tab. The list is routed to a merchant device, e.g., a tablet computer. The customer device can be carried by a user to the merchant. When the user reaches the merchant, the customer device or merchant device can receive a request to add an additional item to the list. The tab remains open and modifiable until the customer device or merchant device receives an input to close it. Payment for the goods or services listed in the modified tab is processed upon closing of the tab.

The present invention provides a registration system (100) including an acquisition unit (10) that acquires an image including a product from a imaging unit, and an output unit (30) that outputs, when at least a part of a mark including discount information related to the product is included in the image, but the discount information cannot be acquired by an image analysis, guidance information for acquiring the discount information.

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.

The present invention generally relates to systems and methods for executing in-store payments using a third-party mobile wallet. More specifically, the present invention relates to systems and methods for executing in-store mobile payment with voucher redemption automatically and in sequence.

A system for a mobile gift card marketplaces is disclosed. The system may initiate a contactless payment at a merchant via a mobile app. The system may receive an authorization message based on the contactless payment. The system may execute an authorization process in response to receiving the authorization message to determine an authorized transaction. The system may validate the authorized transaction to determine whether the authorized transaction is associated with a customer. The system may execute a merchant validation process to determine if the authorized transaction is associated with a merchant. The system may determine an available gift card account balance of the customer associated with the merchant in response to determining the authorized transaction is associated with both the customer and the merchant. The system may execute a gift card redemption process to redeem the available gift card account balance of the customer associated with the merchant.