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.

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.

A method for displaying wireless service usage information and account information using an account management application operating on a wireless device includes receiving, at the account management application operating on the wireless device and from a tracking module, wireless service usage information for a wireless subscriber associated with the wireless device, the wireless service usage information including one or more units of wireless services that the wireless subscriber has used, receiving, at the account management application operating on the wireless device and from a service provider over a wireless network, account information associated with the wireless subscriber associated with the wireless device, the service provider being different from the wireless device and the wireless network, and enabling presentation, on a display of the wireless device, of the account management application including the wireless service usage information and the account information for the wireless subscriber associated with the wireless device.

Cannabis gifts can be transmitted from a first mobile computing device to a second mobile computing device that run an application program. The mobile computing devices communicate with a server and data for the system users is stored on a database. When cannabis products are gifted, a unique token generated by the server and a gift message is transmitted to the second mobile computing device. The user can go to a cannabis provider and redeem the gift credit by showing the user interface to a staff member of the cannabis provider. The server can record the unique token for the cannabis gift as being used and records the value of the cannabis gift with the food or beverage provider. The server forwards payment for the value of the cannabis gift to the cannabis provider.

A transaction processing platform capable of facilitating the distribution to consumers of various types of prepaid products is disclosed. The transaction processing platform is configured to interface with one or more providers of such prepaid products in order to facilitate the procurement or activation of the products. The platform includes a conduit interface through which service request messages are received and respectively utilized to generate transaction requests for corresponding types of prepaid services. A supply interface arrangement, operatively coupled to the conduit interface, is configured to route a first of the transaction requests through a first supply interface associated with a first type of prepaid service. The supply interface arrangement also routes a second transaction request through a second supply interface associated with a second type of prepaid service. The platform is also configured to provide supplier response information received through the supply interfaces to the conduit interface.

A credit card shaped element with a dynamic stripe which may be activated or deactivated, where the stripe is formed by a plurality of coils provided along the curve thereof, where the plurality of coils are activated in a sequential manner, where a plurality of proximity sensing coils are provided in series along the curve thereof, where the plurality of coils are formed by one coil contacted at multiple positions along its length by contact pads and where the signals fed to the coils cause an output of a reader coil to output a signals with a minimum slope or where one signal fed to one track has no peaks when the other signal is close to zero.

Embodiments provide methods, server systems and devices for redeeming a gift card at a merchant terminal. The method includes receiving, by a server system associated with a payment network, a payment transaction request from the merchant terminal. The payment transaction request includes a first information associated with a merchant, a second information associated with a payment card of a customer and a transaction amount to be paid to a merchant account. The method also includes detecting if at least one gift card with a gift balance amount associated with the merchant is already linked with the payment card. The method further includes sending an approval request to redeem at least a part of the gift balance amount for the transaction amount to the customer. The method includes processing payment of the transaction amount using at least the part of the gift balance amount upon receiving an approval from the customer.

Providing electronic access to one or more elements of a request for goods and or services includes receiving at a server the request from a user, creating at least one Voucher including a unique identification corresponding to the request, storing, and transmitting the Voucher to a recipient, subsequently receiving at the server a request including the unique identification from a Mobile Computing Device (MCD) for a First Ticket, and in response transmitting the First Ticket including the identification value (or something based thereon) corresponding to the Voucher and the request to the MCD, transmitting a Second Ticket corresponding to the Voucher and the request to the MCD, the Second Ticket replacing the First Ticket and including a second identification value which may be the unique identification (or something based thereon), receiving at the reader site the Second Ticket, and, if verified, providing one or more elements of the request.

A system for loading a prepaid card using a mobile device, the mobile device comprising a unique identifier stored in a data memory device of the mobile device, a card reader coupled to the mobile device, the card reader configured to read data from a data memory device of the prepaid card, a remote card loading system operating on the mobile device and configured to receive the prepaid card data from the card reader and to transmit the unique identifier, prepaid card value data and prepaid card activation data to a prepaid card management system and a loader authorization system operating on a processor and configured to receive the mobile device identification data, the prepaid card value data and the prepaid card activation data and to activate the prepaid card for use with a financial transaction processing system.

A token management server includes a memory and a data processor. The memory stores a token database and a subledger database. The processor is configured to save a token in the token database in a record in association with a ledger identifier and a subledger identifier. The processor receives from a point-of-sale station a token authorization request that includes the token and an authorization value, locates in the token database the record that includes the token, extracts the ledger identifier and the subledger identifier from the record, locates in the subledger database a subledger that is associated with the subledger identifier, and confirms that a balance value associated with the located subledger is at least equal to the authorization value. The processor then initiates a transfer from a pooling ledger that is associated with the ledger identifier of a transfer amount that is equal to the authorization value.