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.

Systems, mechanisms and processes are provided to allow law-enforcement officials, when encountering the potential use of prepaid payment cards in the furtherance of a crime or in relation to criminal activities, to (1) attempt to check the balances on such prepaid payment cards, including the ability to perform aggregate balance checks on a group of such prepaid cards, (2) attempt to freeze the funds on such prepaid payment cards, and/or (3) attempt to seize the funds on such prepaid payment cards.

A public transit payment device includes a processor, and a memory configured to store instructions executable by the processor. The processor is configured to: perform a public transit payment operation based on a credit line of a public transit credit card, where the public transit credit card is associated with more than one virtual public transit cards that share the credit line of the public transit credit card, receive a public transit credit bill sent from a server, where the public transit credit bill includes consumption bills of the more than one virtual public transit, and create a repayment reminder, where the repayment reminder is used to remind to remit money to a bank account to pay off the public transit credit bill.

A public transit payment method and device are provided. The method includes: when it is detected that a balance of a first virtual public transit card associated with a prepaid public transit card is smaller than a first preset balance threshold, a first charging request containing an identifier of the first virtual public transit card is sent to a server, where the prepaid public transit card is associated with at least one virtual public transit card; a charging response for the first virtual public transit card is received; and a public transit payment operation is performed by using the first virtual public transit card.

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.

A store server for managing customer information received by a terminal in a store, includes a network interface connectable to the terminal and a first server that stores information about a customer, the information associating identification information of the customer with a state of a medium issued to the customer and that is usable for payment, and a processor configured to: acquire identification information of a customer from the terminal, control the interface to transmit the identification information to the first server, acquire from the first server the state of the medium issued to the customer, and determine whether the medium is in an unusable state, upon determining that the medium is not in a usable state, cause the terminal to accept the medium for payment, and upon determining that the medium is in the unusable state, cause the terminal to display a message indicating that the medium is unusable.

The present disclosure is directed to systems and methods that enable scanning of any type of card regardless of the shape and design of a given card and/or a font, a shape and a format with which characters such as numbers, letters and symbols are printed on the cards including cards with non-embossed characters printed thereon. In one example, a method includes scanning a card, the card including at least an account number associated with a user of the card and an identifier of the user; detecting, by applying a machine learning model to the card after scanning the card, at least the account number printed on the card; and completing a task using the account number.

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 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.

In embodiments of the present invention, methods are provided for maintaining a plurality of public addresses and a plurality of virtual representations and digital tokens of a plurality of items where each digital token is cryptographically linked to a respective instance of the item represented by the virtual representation. A request may be received to participate in a transaction for an item represented by a specific virtual representation and a transfer request received to transfer the specific digital token to a different user, where the transfer request includes a digital-token identifier that identifies the specific digital token and a public address of the different user, and a token validation and redemption process is completed.