A portable consumer device may have money stored therein, which can be calculated using an accumulator record and an exception record. The accumulator record can be incremented by the amount of any initiated transaction using the portable consumer device. The exception record can be incremented by the amount of any completed transaction using the portable consumer device. The portable consumer device may also have a limit amount, to record the amount of money added. The records allow for a later reconstruction of the device history, and can account for any errors or problems during transactions.

A computer-implemented method for providing payment account information in a user account by receiving payment card information by a card reader at a point of sale. An account can be created when the payment card information is read by the card reader. Optionally, a gift card can be scanned prior to the creation of the account, and the gift card information can be combined with the payment card information. The gift card can be an electronic gift card which can be personalized with textual, visual, video, and/or audio portions.

Facilitating conversations among people within physical spaces is described. An interaction tablet can be housed within a physical space and configured to receive profile information from mobile devices of customers. The profile information can indicate conversational topics that customers are interested in within the physical space. Similarities between conversational topics of customers can be determined and those customers can be recommended to engage in a conversation regarding that conversational topic. One customer can also be provided information regarding what another customer prefers to purchase from the physical space and, therefore, use the purchase to facilitate a conversation to create a more engaging environment within the physical space.

A computer-implemented method for enhancing authorization of prepaid payment cards is provided. The method is implemented using an interchange network and an authorization computing device in communication with a memory. The method includes routing communications between a plurality of merchants and a plurality of issuing banks, providing transaction data for transactions by a plurality of prepaid payment cards, storing a plurality of transaction histories associated with the plurality of prepaid payment cards, receiving, over the interchange network, an authorization request for a payment transaction between a cardholder and an originating merchant initiated using a prepaid payment card, determining a likelihood of a second amount for a related payment transaction from the originating merchant, determining a transaction history associated with the prepaid payment card, determining whether there are sufficient funds associated with the prepaid payment card for the first and second amounts, and notifying the originating merchant of the determination.

Systems and methods involving a temporary card as well as features and functionality of an associated server and/or application resident on a computing device are disclosed. In one embodiment, an exemplary system may comprise a temporary card provided to a user to conduct purchase transactions for a period of temporary use as well as a server configured to manage operation of the temporary card and execute instructions causing the server to: communicate with an app resident on a computing device associated with the user, instruct the app to generate one or more graphical user interfaces (GUIs) configured to display first interactive GUI elements with first user-selection(s) and second interactive GUI elements with second user-selection(s), and/or control the temporary card based on the first and second user-selections.

Techniques are described for providing a virtual card payments system that enables commercial customers to make business-to-business (B2B) payments via a virtual credit card number without exposing an originating account to a payment recipient. A commercial customer may submit bill information for one or more invoices to the virtual card payments system. The virtual card payments system sends a request to a credit account number server for generation of a virtual credit card number that is associated with the commercial customer's originating account for each submitted invoice. The virtual credit card number may then be sent to a recipient via a secure channel to perform payment of the invoice without exposing the originating account to the recipient. The virtual card payments system may send the virtual credit card number to the recipient or directly to the recipient's merchant acquirer to process payment of the invoice.

Systems and methods involving a temporary card as well as features and functionality of an associated server and/or application resident on a computing device are disclosed. In one embodiment, an exemplary system may comprise a temporary card provided to a user to conduct purchase transactions for a period of temporary use as well as a server configured to manage operation of the temporary card and execute instructions causing the server to: communicate with an app resident on a computing device associated with the user, instruct the app to generate one or more graphical user interfaces (GUIs) configured to display first interactive GUI elements with first user-selection(s) and second interactive GUI elements with second user-selection(s), and/or control the temporary card based on the first and second user-selections.

Provided is a method for providing a mobile gift card issuance service, and a server apparatus and a system therefor, the method including the steps of: receiving, from a product terminal, product information on a product for which a mobile gift card is to be issued; generating a random number corresponding to the received product information; generating a code by using the generated random number; associating the generated random number and code with the product information and storing the same as mobile gift card information; and transmitting the mobile gift card information to a sales channel server.

Systems and methods of the present disclosure processors and devices for providing disposable account cards using a contactless reader and contactless communication tag. A processor receives, via an antenna module from the contactless reader, radio signal data of a radio signal emitted by a contactless tag, where the radio signal data includes encoded tag data including a tag identifier. The processor determines that the contactless tag is a new contactless tag based on the tag identifier being unlinked to any account, and generates a disposable account card identifier in a user account including a unique disposable account number. The processor generates an account link that links the tag identifier to the disposable account card identifier such that the tag identifier refers to the unique disposable account number for performing contactless electronic requests to the user account in place of a user account card.

Embodiments described herein disclose methods and systems for identifying that a user is accessing a retailer or service provider website and automatically enabling an interactive window that includes personalized user information. The system can detect that the user is accessing a payment webpage associated with the website, and, in response, generate a selectable list of payment instruments associated with the user. When the user selects a payment instrument, the system can create an electronic ghost card linked to the payment instrument and the electronic ghost card information can be input into the payment webpage.