A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal including digital wallet pass data; store the digital wallet pass data in association with an account; monitor location data and data associated with a value card account to identify a notification event; responsive to identifying the notification event, generate a notification based on the digital wallet pass data; and send, via the communication module and to the computing device, a signal causing the computing device to display the notification.

There are provided systems and methods for a browser tool and application for providing an exact amount transaction funding source or gift card. A digital gift card may be generated for an exact amount by detecting a checkout total is finalized on a merchant website having a checkout process. This may be done using a computing script that parses a DOM tree for the website and identifies webpage elements to monitor. By monitoring the webpage elements, a checkout total may be detected. This may occur by detecting when input and elements are finalized and present within one or more webpage fields, such as by monitoring HTML or XML code snippets A gift card network may be used to offer an exact amount gift card to a user to be used for full payment of the transaction.

A system and method for gift card use notification is disclosed. The method receives at a gift card use notification system, an indication that a specific gift card was used for a purchase. The information from the notice is used to identify the customer that had given the specific gift card. Contact information for the customer that had given the specific gift card is determined. The gift card use notification system provides to the customer, via the contact information, a use notification indicating that the specific gift card had been used.

In some implementations, a device may detect that the web page is associated with an exchange associated with an entity. The device may transmit, to a server, web page information that identifies at least one of the entity associated with the web page, or an amount of the exchange associated with the entity. The device may receive, from the server, presentation information that identifies card information for one or more cards that are associated with the entity. Card information may identify information associated with resources associated with the card. The device may modify the document used to generate the web page based on the presentation information to cause the card information for the one or more cards to be provided for display via the web page. The device may display the web page based on modifying the document used to generate the web page.

A transaction card system pulls past transaction data from a financial institution. A user profile model is applied to the past transaction data and customer data features and transforms the data into a user feature profile that summarizes the identity data, financial health and payment capacity of the customer. An overdraft request has current declined transaction details relating to a customer transaction using the transaction card. The computing network pulls from cache the most recent customer transaction banking data and most recent user feature profile and applies a machine learning approval model to the current declined transaction details, the most recent customer transaction data, and the most recent user feature profile, and determines whether to approve or decline the overdraft amount.

Disclosed herein are systems, methods, and non-transitory computer-readable storage media for processing gift transactions, related to retaining a social and gratitude-based experience surrounding giving and receiving gifts, monitoring gift recipients on-premises at merchants and providing gift-related notifications, and managing funds in a gift that the recipient does not redeem. A system configured to practice a first method receives an object associated with a gift, receives a tag associated with the object, and transmits the object to the giver. A system configured to practice a second example method uses face identification at the merchant to identify a recipient of a gift. The system can transmit a reminder to the recipient regarding the gift. In a third example method, the system creates a gift and notifies the recipient of the gift. If the recipient never redeems the gift, then the giver is not charged for the gift and no transaction occurs.

In embodiments of the present invention, methods are provided for 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 associated with an account of an owner of the item on the cryptographic ledger.

The invention contemplates a method of transfer, involving opening one or more trust accounts associated with a plurality of accounts with at least one financial institution, creating a plurality of money account cards with each of the plurality of money account cards associated with a live account associated with the entire amount in the trust account opened and maintained by company with at least one financial institutions, distributing the money account cards to retailers, retailing the money account cards to customers for distribution of the cards to cardholders, receiving money from the customers, applying the money to predetermined accounts of the plurality of accounts, receiving requests from cardholders to access the money in the predetermined accounts, and dispersing funds from the predetermined accounts in response to the requests from cardholders.

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 method includes generating, by a marketplace server of an exchange item marketplace network, exchange item security parameters for an exchange item. The method further includes sending the exchange item security parameters to a first computing device. The method further includes receiving a redistribution request regarding the exchange item from the first computing device, where the request indicates redistributing at least a portion of the exchange item to a second computing device, where the redistribution request includes dynamic exchange item information generated by the first computing device. The method further includes verifying the dynamic exchange item information received from the first computing device. When the verification is favorable, the method further includes generating second exchange item security parameters for the second computing device regarding the at least the portion of the exchange item. The method further includes sending the second exchange item security parameters to the second computing device.