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.

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 system and method for payment of services, especially health care services, at fixed prices allows a user to purchase a service card that is accepted by a service provider for full payment of a service. A card manager holds funds from the sale of the card and releases the funds to a service provider when documentation that the service has been provided is received.

In one embodiment, a method includes identifying an equity reward offer to be provided to a user, wherein the equity reward offer corresponds to an amount of equity associated a merchant, and redemption of the equity reward offer causes the corresponding amount of equity to be added to an equity account of the user, updating a redemption status of the equity reward offer based on activity of the specified user on the payment service and a pre-condition of the equity reward offer, such as a purchase associated with the merchant, and upon determining that the pre-condition has been satisfied, sending, to the client device associated with the specified user, instructions to display a notification message indicating that the equity reward offer can be redeemed using the payment account of the user to cause the associated amount of equity to be added to the equity account of the user.

A carrier comprising: (a) a first panel; (b) an opposing second panel secured to the first panel by an adhesive disposed between the first panel and the second panel near a periphery of the carrier to form a pocket between the first panel and the second panel; and (c) scoring along the first panel, the second panel, or both that aligns with the adhesive so that, if the first panel and the second panel are separated, the scoring disassembles and visually indicates the carrier has been tampered with.

Embodiments of the present invention provide systems, program products, and methods of loading a loan on a pre-paid card. A bank receives authorization from a lender to credit loan proceeds from the lender to an approved borrower on an existing pre-paid card associated with the pre-paid card processor. Next, the bank credits the loan proceeds to the pre-paid card processor for the existing pre-paid card so that the loan proceeds are released to the approved borrower and are immediately available.

A method for execution by a computing device includes acquiring ownership of an exchange item associated with exchange item information. The method further includes receiving, from a marketplace server, exchange item security parameters associated with the exchange item. The method further includes determining to redeem at least a portion of the exchange item and generating dynamic exchange item information based on the exchange item security parameters. The method further includes determining a security code for the redeeming the exchange item based on the dynamic exchange item information. The method further includes sending a redemption request to the marketplace server and receiving a redemption response regarding the redeeming the exchange item that includes an indication of a verification process result performed by the marketplace server to verify the security code. When the redemption response is favorable, the method includes utilizing the exchange item in accordance with the redemption response.

Exemplary embodiments may provide keys for unlocking access to a location, like a user room, a secure location, a door at an employee location, a trunk, a closet or other locked location or item, on a payment card. Examples of a payment card include but are not limited to a credit card, a debit card, a smart card, an employee identification card, etc. A secure token that acts as digital key may be uploaded to the payment card. The payment card may then be put in close proximity of a wireless reader at the lock. The wireless reader obtains the secure token and extracts the contents. If the contents are proper, the lock is unlocked. Otherwise, the lock remains locked.

A method for execution by a marketplace server includes receiving merchant use information from a merchant server, where the merchant use information indicates a request to utilize an exchange item for a transaction, the exchange item is affiliated with a first computing device, a set of exchange item rules, and a first brand, and the merchant server is affiliated with a second brand. The method further includes validating the merchant use information utilizing a security feature associated with transactions of the exchange item. When the merchant use information is validated, the method further includes determining whether a rule of the set of exchange item rules is valid, where the rule is regarding use of the exchange item with another brand that is not the first brand. When the rule is valid, the method further includes facilitating execution of the transaction utilizing the exchange item.

Systems and methods for tokenizing real-world items for use in digital commerce are disclosed. In some embodiments, a recognized activity in a workflow of a food delivery system triggers a workflow for a set of digital tokens associated with the recognized activity in a digital token transaction system.