Technologies for unwrappable virtual egifts enabling recipients to redeem gift credits using payment accounts. In some examples, a system identifies a merchant associated with a giver, the giver being associated with a giver payment account and a recipient being associated with a recipient payment account. The system associates a policy with the gift credit and generates an image underlay identifying the gift credit and an image overlay hiding the image underlay and gift credit, the image overlay including a separable flap having a portion that appears unadhered to the image underlay, the separable flap being configured to trigger, in response to an input, an animated unwrapping effect that removes the image overlay to reveal the image underlay and gift credit. The system presents the image overlay and, in response to receiving the input, generates the animated unwrapping effect to remove the image overlay and reveal the image underlay.

Disclosed herein are systems, methods, and non-transitory computer-readable storage media for processing a gift involving separate transactions. A system configured to practice the method first associates a policy with a giver having a giver account and a recipient having a recipient account, wherein the giver account is independent of the recipient account, and wherein the policy requires at least two transactions prior to applying a gift amount. Then the system monitors transactions using the recipient account to identify at least two separate qualifying transactions according to the policy. Upon identifying the at least two separate qualifying transactions, the system applies the gift amount to the recipient account according to the policy.

The present disclosure includes methods for authenticating items in part of a tokenization workflow. In embodiments, the method includes receiving a photograph of, and information relating to, an item, and generating a virtual representation of the item. The item may be authenticated by making an authentication request via a portal to subject-matter authentication experts, wherein the portal displays the virtual representation of the item in the portal. An authentication report may be received from the experts, and a non-fungible digital token having a unique token identifier may be generated. The non-fungible token may be cryptographically linked to the virtual representation of the item on a cryptographic ledger and ownership data of the non-fungible token is updated to associate an account of an owner of the item with the digital token on the cryptographic ledger.

Disclosed herein are systems, methods, and non-transitory computer-readable storage media for processing gift transactions, related to enabling a recipient to choose a mode of redeeming the gift credit. A method can include receiving an identification, from a giver of a credit, of a recipient and a spending category associated with a notice, transmitting the notice to a device associated with the recipient, receiving a selection from the recipient regarding a payment mode to be used to redeem the credit from the giver by making a purchase according to the spending category, linking the payment mode to a policy associated with redeeming the credit, monitoring purchases using the payment mode of the recipient for a qualified purchase according to the spending category, receiving an indication that the qualified purchase was made using the payment mode and, based on the indication of the qualified purchase, applying the credit to the recipient.

Methods and systems disclosed herein may communicate information, such as alerts and notifications, to a cardholder via a color-changing transaction card. In particular, the cardholder may configure one or more thresholds that establish when a transaction card may change colors. For instance, a transaction card may change colors at, or while approaching, a first threshold. The transaction card may change colors at, or while approaching, a second threshold. When the cardholder's balance goes below the thresholds, the transaction card may revert back to the lower threshold color or the original color of the transaction card. Using the techniques described herein a financial institution may convey information to a cardholder in a way that does not require the cardholder to digitally engage with the financial institution.

Novel tools and techniques are provided for implementing stored-value instrument purchase functionality for online shopping systems. In various embodiments, a computing system might assess content and/or information presented in a checkout page of a retailer website, the checkout page listing items selected by a user for purchase and a total purchase amount. The computing system might autonomously modify the checkout page by generating a user-selectable option therewithin, the user-selectable option comprising an option to purchase the items using a gift card available for purchase from a service provider. In response to selection of the user-selectable option, the computing system might provide a purchase interface that presents the user with a process to purchase a gift card having a gift card value. After completing purchase of the gift card, the computing system might apply the gift card value toward the total purchase amount within the checkout page.

Various embodiments are directed to a method and system for provisioning a merchant-specific payment apparatus, such as a temporary payment card, via a computing device, such as an automated teller machine (ATM). A user, such as a customer, may specify a merchant. A record of known payment acceptance types at that merchant may be returned, which may be used to determine what type of temporary payment card gets issued to the user.

A method includes accessing a swap service operating on a consumer device and authenticating a user of the consumer device based on biometric information linked to a unique user identification code that is further associated with contact information regarding the user. The method further includes retrieving, from storage, the contact information regarding the user. The method further includes automatically populating first fields of the swap service with the contact information. The method further includes generating, for utilization during a transaction by the swap service, a request for inputting first account information. The method further includes receiving a selection for the inputting and when selection is the scanning: displaying a scanner for obtaining, from a gift card, a digital representation of the first account information, encoding the first account information into a digital equivalent of the gift card, and storing the digital equivalent of the gift card in memory.

Systems and processes are provided for instantly creating a user account based on a physical user card. The system and processes may include a computerized system for receiving personally identifiable information from a physical card of a user provided at a terminal and creating a user account based on the personally identifiable information. An authentication credential such as a personal identification number (PIN) associated with the user account may be generated and electronically delivered to the user via an electronic messaging system for verification.

Various embodiments are related to a payment to a user based on a percentage of earned pay. Payment of the percentage of earned pay can be based on many factors. For example, the percentage of earned pay can be based on payroll history, sales, or earning's of the user during a shift. Further, the user can designate to receive payment the same day as a request for payment.