A computer-based casino gaming system includes a ticket server and a marker server. The ticket server controls generation and redemption of gaming vouchers used for play at gaming machine/tables. The marker server controls granting of non-cashable markers having non-cashable value to casino patrons. When the marker server determines to grant a non-cashable marker requested by a patron, the ticket server generates a first gaming voucher representing a first monetary value corresponding to the non-cashable value. When the patron uses the first gaming voucher for play at a gaming machine/table, the ticket server redeems the first gaming voucher and transmits a message identifying playing credit corresponding to the first monetary value represented by the first gaming voucher and the patron is enabled to play at the gaming machine/table using the identified playing credit. The system ensures that the non-cashable marker is paid back before redeeming any cashable value to the patron.

An automated system and method for BUYING AND SELLING STOCKS, FRACTIONAL SHARES, SHARES, COMMODITIES, OR ANY OTHER PRODUCT LISTED ON ANY US OR GLOBAL STOCK EXCHANGES through a kiosk of debit card, credit card, or gift card. The kiosk having a housing to house electrical, network, and communication components; a user interface in communication with the kiosk, the user interface to receive user commands; the kiosk being managed and operated by an investment entity, the investment entity having the ability to buy or sell the one or more investments; and a gift card; the one or more investments include one or more stocks, fractional shares, shares, commodities, or any other product listed on any US or global stock exchanges; and the one or more user commands allow the user to purchase or sell the one or more investments via the kiosk.

A kiosk system including: multiple kiosks forming a network, each of said multiple kiosks comprising: a housing; a processor configured to control operation of the kiosk; a user interface; a gaming voucher and note input and output; a bill validator configured to identify and validate gaming vouchers and notes, the bill validator further configured to accept one or more gaming vouchers and notes simultaneously; a recycler cassette configured to store notes and gaming vouchers; and a note ejector configured to dispense at least notes commensurate with a value of one or more validated gaming vouchers; and a remote server communicatively linked to the multiple kiosks and a casino management system. Using a bill validator and recycler to accept both notes and gaming vouchers provides a more efficient redemption process for both the players and casinos.

A dual-pin payment instrument is provided. The payment instrument may provide a user access to funds made donated to the user. The payment instrument may include a first set of credentials that provide access to funds/credit owned by the user. The payment instrument may include a second set of credentials that provide access to funds/credit donated to the user. To an onlooker, use of the payment instrument may not appear any different than typical payment instrument use. However an ability to access donated funds/credit may provide the user access to the donated funds/credit in a respectful manner.

A system and method for providing a gratuity is disclosed. The system includes a mobile computing device including one or more processors and memory holding computer program instructions executable by the one or more processors. The computer-implemented program instructions reads a machine-readable code in a hotel room and transmits the machine-readable code and an indication of a gratuity amount including a gratuity sender source of funds account to a service provider.

In some embodiments, apparatuses and methods are provided herein useful to providing guest access to a payment method. In some embodiments, a system for providing guest access to a payment method comprises a user device configured to receive a request from a user to create access to a payment method for a guest and present information to the user, a database configured to store payment method information, unique identifiers, and access numbers, and a control circuit configured to receive the request to create access, transmit verification information, receive a response to the verification information, verify an identity of the user, receive an indication of the guest, generate a unique identifier associated with the payment method, generate an access number transmit the unique identifier, transmit the access number, receive the unique identifier, the access number, and transaction information, determine the payment method, and transmit an indication of the payment method.

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.

Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

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.

A computer system can implement a network transaction service by receiving a transaction request from a computing device of a requesting user that has a customer account linked to the network transaction service. Based on the transaction request, the computer system can determine a merchant account of the registered merchant that is linked to the network transaction service. The computer system can then execute a remote transaction operation to transfer funds from a shared account of the network transaction service to the merchant account to fulfill the transaction request, where the shared account is different from the customer account of the requesting user.