A system and method for tiered pricing for any scarce commodity, such as petroleum products or food stuffs, may be used to ration the scarce commodity. The system and method may use a dual currency transaction system to manage the rationing. In the use case for gas or oil as the scarce commodity, the dual currency system and method and the tiered pricing may also reduce carbon emissions into the atmosphere by charging both a monetary price and a carbon price for a product or service wherein the carbon price for each purchasable item (good or service) may correspond to a number of Kg of Co2 emitted by the manufacture/sale/use of the purchasable item.

A stored-value card system includes a POS terminal, a communications device, and a stored-value card agent. The stored-value card agent is configured to receive, from the communications device, a message that identifies a payment amount; transmit, to a stored-value card network, a request message that includes the payment amount; receive a confirmation of the stored-value card network associating the payment amount with a stored-value card account that is maintained by the stored-value card network; and transmit a token to the communications device. The POS terminal is configured to transmit to the stored-value card network a completion message that includes the token and excludes the payment amount, and receive from the stored-value card network an authorization code that confirms authorization of a funds transfer in the payment amount.

A method performed by a server executing an algorithm to render access to funds in real time from one or more deposits, which the funds may be withdrawn from user's opened account. The method including the steps of evaluating user's banking relationship for eligibility in a financial institution, performing a real time fraud review on the real time deposit by directly querying a fraud database to clear a likelihood of fraudulent transaction for insufficient funds and verifying payer's legitimacy, determining an approved amount (or a percentage) of the deposits available for real time access based on decisioning criteria and user's deposit balance in the opened account. Once cleared, the user may access funds in real time from the deposit up to the daily approved limit, without being levied a service charge or interests on the withdrawn amount.

A request for payment message is received. The message includes transaction data. A transaction identifier is generated. The transaction data is stored in association with the transaction identifier. The transaction identifier is transmitted to an acquirer bank. A request to retrieve data is received from a payer's bank. The request to retrieve data includes the transaction identifier. At least some of the transaction data is transmitted to the payer's bank. A confirmation is received from the payer's bank. The confirmation indicates that a real-time payment has been made in accordance with the request for payment message.

A method includes receiving, by a first computer from a second computer, a stateless API request message comprising update value data, a consensus token, and a user identifier. The first computer determines whether or not the consensus token matches a previously stored consensus token. If the consensus token matches the previously stored consensus token, the first computer retrieves stored value data from a value data database based on the user identifier. The first computer then updates the stored value data with the update value data. The first computer generates an API response message comprising an indication of the update. The first computer transmits, to the second computer, the API response message.

A computing system can receive a primary authorization request corresponding to use of a prepaid payment means of a user of a transaction service for a transaction with a merchant. Based on receiving the primary authorization request, that system can determine that an account balance corresponding to the prepaid payment means comprises inadequate funds to fulfill the transaction. In response, the system can automatically transmit a secondary authorization request to a financial entity associated with an account of the user, and subsequently receive an approval of the secondary authorization request, which enables the system to utilize the account of the user to make up for the inadequate funds of the account balance of the prepaid payment means.

An integration layer for securely completing transactions. The integration layer may receive, from an issuing server, transaction data for a pending purchase by a user, the transaction data including purchase data and payment card data. The transaction data may have been transmitted through an acquiring server, a payment card network (PCN), and an issuing server. Based on the transaction data, the integration layer may enroll the payment card in CLOs and provide BNPL options while the transaction is processing.

Aspects of the present disclosure relate to a vehicle reservation platform (VRP). In examples, one or more inventory partners make vehicles available for reservation via the VRP. Accordingly, a customer of the vehicle reservation platform is able to schedule a reservation of an available vehicle. The VRP may offer different subscription tiers, where each subscription tier is associated with a predetermined number of credits for a given time period, potentially on a recurring basis. Accordingly, rather than directly purchasing a vehicle reservation, the customer may exchange credits associated with his or her user account for a vehicle reservation via the VRP. If the user account has an insufficient credit balance, the customer may purchase additional credits in order to address the deficiency. In examples, a credit cost of a vehicle reservation is static or may be determined dynamically based on a variety of factors.

The present disclosure provides systems and methods for providing a transaction service when a service provider is providing a travel service to a service requester according to a travel service order through an online to offline service platform. The method may include receiving, through the online to offline service platform, a first request for the transaction service from a first terminal associated with the service requester, when a service provider is providing the travel service to the service requester. The method may include determining whether a condition for the transaction service is satisfied. In response to determining that the condition is satisfied, the method may also include generating a transaction service order for the transaction service. The method may further include providing the transaction service according to the transaction service order by using an account of the service provider.

Systems and methods for providing a rewards payment form linked directly to a rewards account are described. The rewards points may be spent directly by the customer through the use of the payment form linked to the rewards account. The payment form may be a payment card (e.g., a physical card having an account number accessible via a magstripe, an EMV chip, etc.) or a virtual payment card loaded into a mobile wallet accessible by the customer. The rewards payment form allows the customer to spend the rewards points stored in the rewards account without first going through the extra step of converting the rewards points into currency.