Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

Systems, mechanisms and processes are provided to allow law-enforcement officials, when encountering the potential use of prepaid payment cards in the furtherance of a crime or in relation to criminal activities, to (1) attempt to check the balances on such prepaid payment cards, including the ability to perform aggregate balance checks on a group of such prepaid cards, (2) attempt to freeze the funds on such prepaid payment cards, and/or (3) attempt to seize the funds on such prepaid payment cards.

An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.

A stored-value card agent includes a database and a card processor. The card processor is configured to receive from a wallet client a deposit request identifying a deposit amount, effect an electronic funds transfer of the deposit amount to a first account maintained by a computer server, and in the database configure a ledger with the deposit amount. The ledger is uniquely associated with the wallet client in the database. The card processor is configured to receive from the wallet client a withdrawal request identifying a withdrawal amount, confirm that the current balance value in the ledger is at least equal to the withdrawal amount, reduce the current balance value by the withdrawal amount, and initiate an electronic funds transfer of the withdrawal amount from the first account to a second account associated with the wallet client by transmitting to the computer server a transfer request identifying the withdrawal amount.

Embodiments of the invention are directed to a system, method, or computer program product for generating and using a block chain distributed network for facilitating the conversion of an instrument into a verified secured instrument. The block chain database comprises a distributed ledger that is updated with resource availability based on database node communication. The resource availability is compared to a distribution amount associated with an instrument presented to a receiver for resource distribution. Prior to resource distribution the block chain distributed network confirms the resource availability and marks the resources as unavailable. As such, the invention converts instrument into a verified secure instrument based on an identification of sufficient resources available in association with the instrument.

Systems and methods are for executing an electronic transaction by a parallel transaction system. One method includes receiving, by a parallel transaction system, an electronic transaction request of a payment vehicle. The parallel transaction system may determine a type of the payment vehicle. The type of the payment vehicle is at least one of an open loop type, a closed loop type, or a parallel type. The parallel transaction system may execute an open-loop transaction, a closed-loop transaction, and/or a parallel transaction, based on the determined type of the payment vehicle. The parallel transaction system may complete the electronic transaction request.

Systems, mechanisms and processes are provided to allow law-enforcement officials, when encountering the potential use of prepaid payment cards in the furtherance of a crime or in relation to criminal activities, to (1) attempt to check the balances on such prepaid payment cards, including the ability to perform aggregate balance checks on a group of such prepaid cards, (2) attempt to freeze the funds on such prepaid payment cards, and/or (3) attempt to seize the funds on such prepaid payment cards.

A method includes providing a first payment account that is issued by a first financial institution and enables an accountholder thereof to make payments at merchants via a closed-loop payments network corresponding to the first financial institution and mobile person-to-person payments using the payment account. The method includes enabling a second payment account that is issued by a second financial institution to be electronically linked to the first payment account and used as a source of funds. The method includes providing a mobile operating system and enabling a plurality of merchant-specific payment accounts to be associated with a mobile communications device having the operating system. The method includes determining whether a merchant-specific payment account that is accepted only by a particular merchant is available to the accountholder via the mobile communications device and receiving a fee when the first payment account is used for a purchase.