Pre-paid transaction card systems and methods are described. A transaction system can include a transaction database to store transaction objects that represent characteristics of a pre-paid transaction card. A deal engine communicatively coupled with the transaction database can receive an image of a marker-less portion of the transaction card and derive a set of image descriptors from the marker-less portion. The deal engine can also identify transaction characteristics associated with the card from the transaction database using the image descriptors. In addition, the deal engine can construct a deal recommendation based on the transaction characteristics previously identified. The deal recommendation can be transmitted to a user, and in some cases, displayed to the user as an augmented reality image.

Disclosed herein are systems and methods for converting barcodes to facilitate fast and convenient payments. In one embodiment, the systems and methods are for imaging a first barcode having a first barcode format; determining a second barcode format used at a point-of-service; converting the first barcode to a second barcode in the second format; and generating an image of the second barcode. In another embodiment, a service provider barcode-conversion system receives with a communications interface an image of a first barcode having a first barcode format from a customer; determines with a processor a second barcode format used at a point-of-service; generates with the processor an image of a second barcode in the second barcode format; generates with the processor a link between the first barcode and the second barcode; stores in memory the first barcode, the second barcode, and the link between the first barcode and second barcode; and transmits with the communications interface the image of the second barcode to the customer.

A computer-implemented method, a system and a computer program product for processing third party online coupons. According to one embodiment, a third-party online coupon is received. Text is parsed to determine a merchant's website. The third-party online coupon description is parsed to determine a product term. The product term is searched for. The third-party online coupon is tested with a product associated with the product term. The third-party online coupon is determined if valid with the product.

Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for creating digital wallets for users. In some embodiments, digital wallets are created, at least in part, on information obtained from payment transactions conducted by users.

A system and method of performing in-context of automated delivery of benefit-conveying (BC) code of an e-commerce website is provided. The system comprises means for identifying a BC code input field in a BC context of the e-commerce website, means for storing a plurality of BC code collections for supported e-commerce websites, and means for acquiring information about relevance-checked BC codes of the e-commerce web site. The system comprises means for displaying an UI panel in an vicinity of the identified BC code input field, with the UI panel configured to list information about the acquired relevance-checked BC codes in such a manner that an individual BC code from among the acquired BC codes can be selected through selecting a UI entry listing information about the individual BC code. The system comprises means for inputting the selected individual BC code into the identified BC code input field.

Systems and methods including one or more processing modules and one or more non-transitory storage modules storing computing instructions configured to run on the one or more processing modules and perform acts of determining a prospective product for a user to add to an cart, identifying a prospective cart merchant group that includes prospective merchants that offer the prospective product, determining a prospectively-unlocked product group that includes a plurality of products offered by the prospective merchants that are discounted if the prospective product is added to the electronic cart, determining a savings score for the prospectively-unlocked product group, and coordinating displaying to the user on the website of the online retailer (1) the prospective product and (2) the savings score of the prospectively-unlocked product group.

Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for creating digital wallets for users. In some embodiments, digital wallets are created, at least in part, on information obtained from payment transactions conducted by users.

An event servicing (ES) computing device for targeting ancillary merchants based on wallet events is provided. The ES computing device receives primary purchase data for a primary purchase made by a user with a primary merchant, and determines and displays to the user one or more secondary merchants based at least in part on the primary purchase data. The ES computing device further receives secondary purchase data for at least one secondary purchase made by the user from the one or more secondary merchants and determines whether the user has requested to cancel the primary purchase. When the user has requested to cancel the primary purchase, the ES computing device automatically cancels the at least one secondary purchase. When the user has not requested to cancel the primary purchase, the ES computing device processes payment transactions for the primary purchase and the at least one secondary purchase.

The presently disclosed technology provides a system, method, and computer program product for retailers to give product options to shopping consumers on a social media platform that consumers can use to make selections based on feedback from their social network. The network is an informal feedback loop that gives the consumer insight in their purchase decision before their purchase.

There are provided systems and methods for intelligent selection of transaction processing technology available at a merchant location. A user may visit a merchant location and desire to purchase items from the merchant at the merchant location. The user may have options for one or more payment instruments to use at the merchant location, including payment applications with a mobile communication device. A payment provider may detect the location of the user and determine that the user's location matches the merchant's location through a geo-fenced area for the merchant. The payment provider may then configure a payment process for the user to utilize at the merchant location using payment mechanisms accepted at the merchant location. Where multiple merchants are located nearby, the payment provider may utilize additional known information for the user to select the most likely merchant for the user.