A method for providing a locked electronic item includes receiving a selection of an electronic lock and the electronic item from a first computing device associated with a sender. The electronic lock includes a lock clue and a lock solution. The method includes determining an answer input field configuration that includes a number of input boxes and spaces that may be arranged to correspond to the lock solution. The method includes transmitting the lock clue and the input field configuration to a second computing device associated with a recipient for display by the second computing device and receiving an attempted lock solution from the second computing device. The method further includes transmitting the electronic item to the second computing device for display or use by the second computing device in response to determining that the attempted lock solution matches the lock solution.

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 method for providing a locked electronic item includes receiving a selection of an electronic lock and the electronic item from a first computing device associated with a sender. The electronic lock includes a lock clue and a lock solution. The method includes determining an answer input field configuration that includes a number of input boxes and spaces that may be arranged to correspond to the lock solution. The method includes transmitting the lock clue and the input field configuration to a second computing device associated with a recipient for display by the second computing device and receiving an attempted lock solution from the second computing device. The method further includes transmitting the electronic item to the second computing device for display or use by the second computing device in response to determining that the attempted lock solution matches the lock solution.

A method and apparatus provide on a mobile electronic device access to a number of gift cards. The gift cards are stored in a virtual wallet and can be retrieved by the user, whereupon an indicium such as a barcode, QR code, or other indicium is visually displayed or is otherwise output on the mobile electronic device. The indicium can be detected by another device, such as a barcode scanner or a wireless transceiver of a point-of-sale retail system, in order to enable a transaction to be performed using the funds that are associated with the selected gift card. When the user is within a predetermined proximity of a predetermined location, a notification is communicated to the mobile electronic device advising that a gift card in the virtual wallet is available for use at the predetermined location and/or suggesting the purchase gift card that is usable at the predetermined location.

A transaction card product comprising a transaction card, an account identifier, a security panel, and an activation code. The account identifier uniquely links the transaction card to a remote account having a balance value available for redemption toward one or more of goods or services. The security panel is coupled to the transaction card and substantially entirely covers the account identifier. The security panel is configured to be at least partially removed from a remainder of the transaction card product to permit access to the account identifier. The activation code has data therein to prompt a point-of-sale terminal to begin a transaction card activation process, the activation code having a first portion directly secured to and extending over the security panel, wherein the activation code is characterized by an absence of any data directly identifying the remote account.

Systems and methods for providing and operating a customer loyalty and rewards platform including network-based and merchant-based registration and management, including mobile messaging, remote and local customer registration options, enrollment and automated payment card account association therewith.

A system and method in accordance with example embodiments may provide a user-loadable stored value card. Additionally, a system and method in accordance with example embodiments may allow an institution to receive a user-loadable stored value card activation request from a sender, activate a user-loadable stored value card using the information received in the activation request, and provide card management capabilities to the sender.

A gift card promotion system designed for a locally based community network including businesses, purchasers, and customers, whereby a community network platform is provided that is accessible by the users to encourage local growth in the community. The community network platform allows purchasers such as companies or employers to buy gift cards from local businesses and gift them to consumers while also providing the ability of cross selling gift cards between companies as well as enabling referrals of local businesses, incentives, rating systems, registries, task related rewards, and wish lists.

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 method implemented on an augmented reality (AR) device includes receiving an image of a document on the AR device. The image of the document includes one or more areas of obfuscated text. A marker on the document is identified. The marker is associated with an area of obfuscated text on the document. The marker is scanned using the AR device. When the user of the AR device is authenticated, a non-obfuscated image of the text associated with the marker is displayed on the AR device.