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 digital engage with the financial institution.

The present disclosure relates generally to vendor loyalty and reward programs. The programs generally comprise purchasing a qualified item from a participating vendor, obtaining a loyalty card comprising a code, entering the code to obtain a value that may be redeemed for a reward. More specifically, the disclosure relates to vendor loyalty and reward programs targeting younger customers in the context of food purchases.

A system and method uses a cloud computing based mobile wallet application for deconstructing various elements of magnetic stripe data corresponding to a pre-paid gift card, storing such data elements in disparate secure storage devices on different networks to enhance security and reassembling the various elements to reconstruct the magnetic stripe data on demand at the time of processing a financial transaction.

Methods and systems for generating on-demand payment instruments are described. A user with a user payment account may perform a transaction with a user device and request an on-demand payment instrument. The request may be communicated to a transaction device. The transaction device may authenticate the request and associate an on-demand payment instrument to the user payment account. Information associated with the on-demand payment instrument information may then be tokenized and communicated to the user device, the merchant, or another party and the information may be entered and/or processed for the transaction.

A portable, application-specific USB autorun device, following connection to a computer terminal, automatically initialises or presents itself as a known type of device and then automatically sends to the terminal a sequence of data complying with a standard protocol, that sequence of data automatically causing content to be accessed or a task to be initiated. The device (i) includes a standardised USB module that includes a USB microcontroller, the standardised module being designed to be attached to or embedded in multiple types of different, application specific packages but (ii) excludes mass memory storage for applications or end-user data.

An improved control system for a fuel dispenser is disclosed that enables fuel dispensers to process prepaid gas cards based upon a discounted wholesale cost or a non-discounted price that is locked in at the time of the purchase without taking delivery. The control system has access to a snap shot of the regional wholesale gasoline costs across an entire region, such as the US, at the time of purchase of the prepaid gas card. This enables the prepaid gas card to provide a discount on the wholesale cost component of a gallon of gas at any location across the entire region. Since the discount only applies to one component of the retail gas price per gallon; namely, the wholesale gas cost per gallon, the control system automatically calculates a discounted retail gas price at the time and location of delivery based upon the discounted or locked in wholesale cost at the time of purchase of the prepaid gas card. The prepaid gas discount card is received in a magnetic card reader at the fuel dispenser in the same manner as conventional credit cards and provides a wholesaler the ability to create an elastic demand for the gas and regain customer loyalty for gas credit cards.

A portable, application-specific USB autorun device, following connection to a computer terminal, automatically initialises or presents itself as a known type of device and then automatically sends to the terminal a sequence of data complying with a standard protocol, that sequence of data automatically causing content to be accessed or a task to be initiated. The device (i) includes a standardised USB module that includes a USB microcontroller, the standardised module being designed to be attached to or embedded in multiple types of different, application specific packages but (ii) excludes mass memory storage for applications or end-user data.

Systems and methods for facilitating real-time item-specific application of a gift card balance to a purchase within a collaborative gift card network are described. Such methods permit restriction of gift cards and gift card balances to purchase of specific items. Collaborative systems are used to implement such methods, such as computer systems and networked computer system. Methods for facilitating item-specific application of a gift card balance may be performed using computer systems managed by a single entity as well as in distributed computing environments wherein aspects of the methods are implemented by disparate parties. Unique bank card number are associated with a promotional offer as well as item-specific information relating to authorized uses of the offer. When an offer is attempted to be redeemed, a secondary item-specific authorization check is performed in addition to a check of the validity of the overall promotional offer.

Systems and methods for facilitating real-time item-specific application of a promotional bank card balance to a purchase within a collaborative network are described. Such methods permit restriction of bank cards and bank card balances to purchase of specific items and specific merchants. Collaborative systems are used to implement such methods, such as computer systems and networked computer system. Methods for facilitating item-specific application of a card balance may be performed using computer systems managed by a single entity as well as in distributed computing environments wherein aspects of the methods are implemented by disparate parties. Unique bank card number are associated with a promotional offer as well as item-specific information relating to authorized uses of the offer. When an offer is attempted to be redeemed, a secondary item-specific authorization check is performed in addition to a check of the validity of the overall promotional offer.

An account is managed using information read from a dual frequency transponder. Information stored on the dual frequency transponder can be read by a NFC-enabled device and by a UHF RFID reader. The information links, corresponds, or otherwise provides access to account information stored at a remote server. For example, a NFC-enabled device can read the information from the dual frequency transponder and use that information to enable instant and on-the-spot recharging of a toll account. In addition, a UHF RFID toll reader can scan information from the dual frequency transponder and use that information to debit toll charges from the correct toll account. The dual frequency transponder can be embedded in a license plate and read using a reader placed in the road. Additionally, the transponder can be configured to function at the correct frequency only when a valid vehicle registration sticker is applied to the license plate.