A system for facilitating transactions for real-world items in video games using digital tokens is disclosed. The system is configured to generate a digital token and cryptographically link the digital token to on a blockchain to facilitate transactions for the item using the blockchain. The system includes a video game integration system that serves an electronic advertisement corresponding to the real-world item to a video game that includes a visual indicum of the token; receives a notification indicating that a user has transacted for the real-world item via the video game; and initiates an assignment of the digital token to an account of the user on the blockchain, such that ownership data of the digital token is updated to reflect that the user is an owner of the digital token, such that the user may redeem the token to take possession of the item.

In embodiments, a method for facilitating token-based transactions for real-world items in video games using digital tokens is disclosed. The method includes receiving, by the video game instance, an in-game advertisement from a video game integration system, wherein the in-game advertisement is an advertisement to transact for an advertised real-world item represented by an advertised digital token generated by the tokenization platform and includes a visual indicum corresponding to the digital token. The method also includes presenting, by the video game, the electronic in-game advertisement to the user via a display device of the user device and facilitating a transaction by the user for the advertised real-world item. The method also includes transmitting, via the video game, a request to the video game integration system requesting updating of ownership data of the advertised digital token to reflect that the user is the respective owner of the advertised digital token.

In embodiments, a system for tokenizing incompatible currencies is disclosed. The system includes a currency bridge that receives a request to tokenize an amount of currency for a user, verifies verify that the user has the defined amount of currency and that the currency has been locked in an account such that the user is unable to transfer the defined amount of currency from the account, and in response to verifying that the defined amount of currency has been locked, request generation of an NFT in accordance with a tokenization protocol that represents the locked currency. The system includes a token generation system that generates the NFT and a ledger management system that associates the NFT with an account of the user on a cryptographic ledger that stores NFTs that are defined in accordance with the protocol, thereby allowing the user to transact using the NFT.

A lottery data transfer method for processing lottery ticket data piggybacks on a merchant's existing transaction card interchange system, such as a debit or credit card interchange system. A routing code is assigned to lottery tickets that is unique in the merchant's transaction card exchange, the routing code associated with a lottery data blob also provided on the lottery ticket. The routing code and data blob are entered into the merchant's existing transaction card activation protocol to initiate transfer of the lottery data to a central lottery site via the interchange. At an issuing processor within the exchange, the routing code is recognized and initiates special routing to and further processing of the lottery data blob at the lottery central site.

In general, the present invention is directed to an apparatus for locally processing stored value card transactions, the apparatus proximate to a retailer point-of-sale (POS) or host, the apparatus in communication with the POS or host and a stored value card processor and configured to: receive a transaction request; determine if the transaction request should be passed through to the stored value card processor or decided upon locally; if the transaction request should be passed through; communicate such request to the stored value card processor, upon receiving a certain response from stored value card processor, or from the attempted communication with the stored value card processor, locally overriding the response of the stored value card processor or deciding upon the transaction request locally; if the transaction request should not be passed through; locally deciding the transaction request; and communicating a transaction request response back to the POS or host.

Systems, methods, and computer-readable media for chopping up a gift card/code into smaller multiple gift card/codes. The system receives a request from a user to convert a closed-loop card/code having a value amount into two different closed-loop cards/codes and divides (or chops up) the closed-loop card/code into a first closed-loop card/code having a first value amount and a second closed-loop card/code having a second value amount, wherein the first value amount and the second value amount add up to no more than the value amount. The system offers the first closed-loop card/code and the second closed-loop card/code to one of the user and a third party.

A credit card Emergency Fund system, comprising the steps of a credit card provider opening one or two accounts with two different card numbers, with a first main credit card and a second credit card for a spare. Alternatively, one credit card is provided with one or two accounts. Upon the customer's request, when the credit limit of the main credit card is fully expended, the spare credit card, with the Emergency credit line, or the Emergency credit line with a single card, is activated for a limited time period.

Systems and methods are provided for providing a personalized prepaid card by receiving a user selection for designing a user-customized product and generating a first image of a personalized prepaid card having an image of the user-customized product, whereby the personalized prepaid card image is delivered to the user with an offer to receive the card in exchange for satisfying one or more conditions associated with the offer and providing the user with a unique identifier code associated with the offer to present the code to a retail establishment selling the user-customized product for activating the personalized prepaid card.

Embodiments of the invention are directed to systems, methods and computer program products for associating gift cards with accounts. An exemplary apparatus is configured to: receive information associated with a gift card; associate the gift card with the account; receive information associated with a transaction; determine the transaction qualifies for the gift card; and apply funds associated with the gift card to the transaction.