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.

The present invention is an apparatus for the money transactions required in the selling of merchandise or media content on the Internet and uses at least one in-person contact with the buyer. A predefined transaction originating at a real place of business authorizes access to web content or merchandise from a place off the web. Purchasers (end-users) must physically go to a retail location to choose the Internet media or merchandise shopping cart they wish to acquire where age can be verified if necessary and payment can be made with or without a credit card. Content security using a non-audible or invisible code signal sequence(s) can provide traceability as well as absolute anonymity for the purchaser. This apparatus can be used to conduct transactions off the web so that business can be done on the web.

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.

Methods and apparatuses related to linking a monetary value card with a payment card. In some embodiments, a payer uses a gift card to pay for a purchase. The gift card is swiped by a point of sale (POS) system, and a computer system processes a payment. The computer system causes the POS system to display a message prompting the payer to provide an email address for an electronic receipt. The payer provides the email address, which the computer system uses to determine that the payer has a payment card. The computer system sends a message to the payer asking if he would like to link the gift card with the payment card, to which the payer responds affirmatively. The payer later uses the payment card to initiate a payment, and the computer system processes the payment based on the gift card that is linked with the payment card.

In embodiments, a system for tokenizing fungible items is disclosed. The system includes an item management system that generates N fungible tokens that are cryptographically linked to a virtual representation of a fungible item, such that each token provides a digital representation of the item. The system is further configured to write the N fungible tokens to a cryptographic ledger and to initiate transfer of the ownership of one of the fungible digital tokens to an account of an acquirer via the ledger in response to the acquirer transacting for a unit of the fungible item. The system also includes a redemption system that executes a redemption workflow in response to a redeeming owner redeeming a fungible digital token, wherein the redemption workflow includes initiating delivery of an available unit of the available units and burning the fungible digital token on the cryptographic ledger.

In embodiments, a tokenization platform that performs risk management functions is disclosed. In embodiments, the system includes a token generation system that generates digital tokens that are cryptographically linked with a virtual representation of an item being offered for sale by a seller. The system also includes a risk management system that determines a risk score associated with the seller and applies a set of conditions to a set of digital tokens that define one or more conditions that must be met to list the item for sale based on the risk score. The system also includes a marketplace system that provides a marketplace interface that allows a user to purchase the item in response to determining that the set of conditions are met by the seller and initiates an assignment of the digital token to an account of the user in response to the user transacting for the item.

In some examples, an account is provisioned onto an electronic device. In some examples, the device receives a value to fund the account provisioned on the electronic device. In some examples, the electronic device transacts with a contactless transaction terminal using the provisioned account and displays an indication of the transaction. In some examples, the electronic device transmits information corresponding to the provisioned account without checking for authentication. In some examples, the device receives user input initiating a process for moving the account from a first device to a second device. In some examples, the device receives account payment credentials from a second device when a set of payment criteria are met.

A system for integrating real-world items into video games is disclosed. The system is configured to generate a digital token that is cryptographically linked to an item identifier of a real-world item and to write the token to a cryptographic ledger, wherein the token corresponds to an in-game benefit in a video game that is unlocked for an owner of the token. The system includes a video game integration system that receives a request from an instance of the video game, wherein the request is indicative of the user and requests eligible digital tokens owned by the user; accesses the account of the user on the blockchain using a public address of the user to verify that the user is the owner of the digital token; and serves the digital token to the instance of a video game that unlocks the in-game benefit in response to receiving the token.

A method for integrating real-world items into video games is disclosed. The method includes receiving, by a video game instance, a digital token corresponding to a real-world item from a video game integration system, the digital token being linked with the item and corresponding to an in-game benefit that is provided to an owner of the token. The method also includes facilitating, by the video game instance, a transaction by the user for the item the video game, wherein in response to the user transacting for the item, ownership data of the digital token is updated on a cryptographic ledger to assign ownership of the digital token to the user. The method also includes conferring, by the video game instance, the in-game benefit to the user in the video game and revoking the in-game benefit in response to the digital token no longer being assigned to the user.

A system for awarding prizes to users via an electronic game of chance is disclosed. The system is configured to generate digital tokens that are cryptographically linked to respective virtual representations of a set of winnable items. The system further includes a mystery box system that is configured to serve a mystery box game to a client device, wherein the mystery box game includes a mystery box recipe that designates a respective probability of winning each winnable digital token of the set of digital tokens and is configured to randomly select a winning digital token from the set of digital tokens in accordance with the mystery box recipe. The mystery box system is further configured to award the winning digital token to the user, wherein the winning digital token is redeemable for the respective winnable item corresponding to the winning digital token.