Technologies for unwrappable virtual egifts enabling recipients to redeem gift credits using payment accounts. In some examples, a system identifies a merchant associated with a giver, the giver being associated with a giver payment account and a recipient being associated with a recipient payment account. The system associates a policy with the gift credit and generates an image underlay identifying the gift credit and an image overlay hiding the image underlay and gift credit, the image overlay including a separable flap having a portion that appears unadhered to the image underlay, the separable flap being configured to trigger, in response to an input, an animated unwrapping effect that removes the image overlay to reveal the image underlay and gift credit. The system presents the image overlay and, in response to receiving the input, generates the animated unwrapping effect to remove the image overlay and reveal the image underlay.

Disclosed herein are systems, methods, and non-transitory computer-readable storage media for processing gift transactions, related to enabling a recipient to choose a mode of redeeming the gift credit. A method can include receiving an identification, from a giver of a credit, of a recipient and a spending category associated with a notice, transmitting the notice to a device associated with the recipient, receiving a selection from the recipient regarding a payment mode to be used to redeem the credit from the giver by making a purchase according to the spending category, linking the payment mode to a policy associated with redeeming the credit, monitoring purchases using the payment mode of the recipient for a qualified purchase according to the spending category, receiving an indication that the qualified purchase was made using the payment mode and, based on the indication of the qualified purchase, applying the credit to the recipient.

A system and method is provided for generating a sensory indication on a transaction card, whereby a user is rewarded with a visual, audial, haptic, or olfactory experience. The method comprises executing a purchase transaction on the card, the transaction relating to an event, charging a power source on the card, receiving an input signal by the card, the signal indicating an output indication relevant to the event, and generating an output signal using power from the power source, based on the input signal. The card comprises a security component enabling a purchase relating to an event, a power source receiving charging energy at the time of the purchase, an input component receiving an input signal comprising information specifying a desired indication relevant to the event, an output component for generating the desired indication, one or more memories storing instructions and one or more processors executing the instructions to perform the method.

A portable apparatus includes one or more biometric sensors, one or more memories, and one or more processors operative to execute program instructions from the one or more memories. A public key infrastructure (PKI) certificate, which is stored in the one or more memories, includes a first code derived from encoding a first biometric digital signature of a person who has been registered and authorized to use the portable apparatus. The one or more processors cause the portable apparatus to acquire, by the one or more biometric sensors, biometric pattern of a person who attempts to access the portable apparatus; determine whether the biometric pattern is matched with the first biometric digital signature and the first code; and in response to determining that the biometric pattern is matched with the first biometric digital signature and the first code, transmit authentication information to a remote server over a network.

Systems and methods for facilitating e-commerce transactions by providing systems and methods for executing transactions in both an open loop and closed loop networks.

Systems and methods are disclosed for associating a player identifier with a stored value account. The stored value account can holds funds that are accessible through the player's use of a stored value payment vehicle. The stored value payment vehicle can be a reloadable stored value payment vehicle or a non-reloadable stored value payment vehicle. Information associated with transactions using the stored value payment vehicle can be used for player relationship purposes.

Programmable cards, computer-readable media, and systems are disclosed for token payment. For example, a programmable card for token payment, according to some embodiments, may include an antenna and a contact interface. The card may be configured to store, in the rewritable memory, a token transmitted from a user device via a first near field communication (NFC) signal received by the antenna, and provide the stored token to a point of sales terminal via a second NFC signal transmitted by the antenna or via the contact interface.

A computer-implemented method is disclosed. The method includes: receiving, via a client device, a request to process an order for value storage tokens, the request indicating at least one token provider and order parameters defining at least one denomination and a quantity of value storage tokens to be associated with the at least one denomination; establishing a communication connection with a server system associated with the at least one token provider through an application programming interface (API) for the at least one token provider; generating one or more API calls for requesting to obtain digital representations of the value storage tokens associated with the order; and receiving the digital representations of the value storage tokens associated with the order.

A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal including digital wallet pass data; store the digital wallet pass data in association with an account; monitor location data and data associated with a value card account to identify a notification event; responsive to identifying the notification event, generate a notification based on the digital wallet pass data; and send, via the communication module and to the computing device, a signal causing the computing device to display the notification.

The present invention relates to a system and a method for authenticating an electronic money using a smart card and a communication terminal. The present invention provides a system and a method for authenticating an electronic money, wherein the system comprises a smart card and a communication terminal. The smart card takes biometric signature from a user as an input, transmits recognition completion information to the communication terminal when the biometric signature inputted by the user matches the stored biometric signature, receives an update command from the communication terminal, updates the amount of stored balance data, and transmits an update completion message to the communication terminal. The communication terminal is connected to the smart card in a wired or wireless manner, and transmits the update command to the smart card upon receipt of the recognition completion information.