A device, a method, and a computer program for providing a game service. The game service providing device for changing a level of a target card by using a source card that includes a communicator configured to receive target card readout information of the target card and source card readout information of the source card, an account manager configured to change the level of the target card based on the target card readout information and the source card readout information, and a database configured to store information about the target card.

A system for purchasing and delivering a specific gift, in which, at the time of the purchase, the buyer, instead of being provided with the gift, is provided with a gift proxy or special package which includes a gift token which includes an authentication device. The gift proxy can also include a highly portable replica (e.g., a picture or miniature) of the specific gift. The buyer delivers or sends the gift proxy to the recipient. At a future time and place, not necessarily pre-determined, the recipient provides the gift proxy to the seller, the seller authenticates the gift proxy, and the recipient receives the gift from the seller. A centralized and networked order management system monitors the gift tokens which allows for inventory and accounting efficiencies. The system can be online and/or store oriented and can be used to transact in goods and/or services other than gifts.

Systems and methods are provided for creating and using versions of a shared virtual card. In one example, a system for sharing stored value is provided. The system may include a virtual card manager configured to manage one or more shared virtual cards and a first computing device including a virtual card engine executable by a processor to manage the shared virtual card. The first computing device may be communicatively coupled to the virtual card manager via a network. In the example, stored value of the shared virtual card may be split between a first version and a second version. The first version may receive a first portion of the stored value and the second version may receive a second portion of the stored value; the first version available for use on the first computing device and the second version available for use on a second computing device.

A system for purchasing and delivering a specific gift, in which, at the time of the purchase, the buyer, instead of being provided with the gift, is provided with a gift proxy or special package which includes a gift token which includes an authentication device. The gift proxy can also include a picture of the specific gift. The buyer delivers the gift proxy to the recipient. At a future time and place, not necessarily pre-determined, the recipient provides the gift proxy to the seller, the seller authenticates the gift proxy, and the recipient receives the gift from the seller. A centralized and networked order management system monitors the gift tokens. The system can be online and/or store oriented, and can be used to transact in goods and/or services other than gifts.

A ticket for managing cryptocurrency. The ticket incorporates a redeeming code in combination with a loading code for activating the redeeming code. At the same time, however, the loading code also prohibits access to the underlying redeeming code, thereby preventing use. Therefore, in order to access the redeeming code and redeem the ticket of cryptocurrency, the loading code is inherently destroyed by removal. Thus, the ticket is no longer practically able to be re-loaded and is thus, single-use, thereby aiding in user understanding and management of cryptocurrency.

A gift card system and method for purchasing both physical and digital gift cards at a kiosk, both physical and virtual, is disclosed. The system/method includes a gift card distribution kiosk located at a retail establishment or online that provides a user with access to a multitude of different forms of gift cards that may be purchased and printed onto a customizable card with a personalized message. The kiosk includes a kiosk processor interface, a gift card dispenser, a card reader and gift card management server connected to a network. The gift card management server, through the kiosk processor interface, provides vendor options to users to select and pay via the card reader. The kiosk may be used to redeem unused user gift cards for a reduced value user selected gift card, reduced cash value, full value store card, rewards points, bank debit, and/or electronic code user towards online purchases.

Systems and methods for processing transactions using a digital payment platform.

A computer-implemented method for enhancing authorization of prepaid payment cards is provided. The method is implemented using an authorization computing device in communication with a memory. The method includes storing a plurality of transaction histories associated with a plurality of prepaid payment cards, receiving an authorization request for a payment transaction between a cardholder and an originating merchant initiated using a prepaid payment card, determining a transaction history associated with the prepaid payment card based on the plurality of transaction histories, calculating a prepaid risk score for the payment transaction based on the authorization request and the determined transaction history, and transmitting the prepaid risk score to the originating merchant.

A system for providing immediate liquidity from check-based transactions is disclosed. The system includes an electronic database configured to store account information associated with a plurality of users; a transaction processing module configured to receive check transaction data, verify the authenticity of the check, and approve the transaction for immediate credit to a user's account; a debit card issuance module configured to issue a specialized debit card linked to the user's account, wherein the debit card is usable for transactions at merchants; and an interchange fee processing module configured to charge an interchange fee to merchants for transactions conducted with the specialized debit card and allocate a portion of the interchange fee to offset the risks associated with the immediate credit of check transactions and to support operational costs.

A gift card management system may include a plurality of software modules configured to facilitate the efficient, secure purchase and resale of gift cards, as well as provide comprehensive tracking of gift card status throughout the process. In some examples, the gift card management system may include risk level analysis, e.g., based on historical data. This risk level analysis may facilitate risk-related actions (e.g., automatic transaction prevention) and dynamic risk level indication in a user interface for alerting users.