A product release system, method and device that enables product controllers to generate product listings for one or more products as well as one or more customized prepurchase events for each of the products. The product release system, method and device then executes the prepurchase events according to one or more pricing, timing and permission conditions specified for each of the prepurchase events, facilitates the purchasing of the products during the prepurchase events and notifies the product controllers of the results of the prepurchase events.

A method includes receiving a ride request message at a ride share terminal processor, the message including passenger identity information, destination information, pickup localization information, and payment credential information. The ride share delivery system finds an available driver matching the passenger's request, which may include driver gender. The system determines whether the driver has purchased a monthly driver subscription or individual credits to receive the passenger match and transmits the passenger request to the driver. Responsive to receiving a driver acceptance message, the system forwards trip information to a payment processor that includes the passenger identity information and the payment credential information. After passenger drop off, the system receives a trip payment confirmation message indicative that a payment was made from a passenger payment account directly to a driver payment account. The full amount charged to the passenger routed from the passenger's payment account to the driver's payment account.

Various methods, systems, and devices for loading currency into an electronic wallet are provided. In general, a currency acceptance terminal can be configured to accept currency from a user for loading into the user's electronic wallet, which may be used to purchase products from a merchant. The currency acceptance terminal can be unmanned such that the currency can be accepted and loaded into the electronic wallet without a cashier or other employee handling the currency or the currency acceptance terminal.

Methods and systems for processing trip-based insurance policies for vehicles. According to aspects, a trip-based insurance policy of a vehicle specifies an amount of trip units for insured vehicle travel and has an associated policy term. In certain cases, a customer may exhaust trip units before an expiration of the policy term. The methods and systems therefore enable the purchase of additional trip units so that the customer remains insured. In other cases, upon expiration of the policy term, an insurance provider may calculate an amount of unused trip units. The insurance provider may determine one or more types of credit that are based on the amount of unused trip units. The insurance provider may also apply the one or more types of credit to an account of the customer.

Systems and techniques for increasing the efficiency of a process of providing a resource by a resource provider are disclosed. In one example, a method detects a presence of a vehicle at a fuel dispenser, transmits an authorization request message automatically in response to detecting the presence of the vehicle, and automatically allows the fuel dispenser to dispense fuel to the vehicle.

Systems and techniques for increasing the efficiency of a process of providing a resource by a resource provider are disclosed. In one example, a method detects a presence of a vehicle at a fuel dispenser, transmits an authorization request message automatically in response to detecting the presence of the vehicle, and automatically allows the fuel dispenser to dispense fuel to the vehicle.

Systems and methods involving a computer-implemented portal that enables a user to pre-authorize purchase of items not yet available for sale are disclosed. In one embodiment, an exemplary method may comprise: providing an online portal that enables a user to manage a financial account; executing a first routine of the portal including interactive functionality enabling the user to specify and pre-authorize purchase of an item that is not yet available for sale; searching to determine at least one electronic source at which the item can be purchased when it becomes available for purchase; and executing a purchase transaction at the future date/time when the item is released for sale, to purchase the item for the user.

Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.

Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.

Apparatus and associated methods relate to presenting for selection services comprising at least one bundled set of healthcare services to be performed separately by respective providers, determining a bundle price for the at least one bundled set of healthcare services, and in response to receiving payment in an amount of the bundle price, generating a purchase data record selectively redeemable to receive each of the at least one bundled set of healthcare services, and transmitting a unique confirmation number generated for the purchase data record. One or more service of the bundled set may be a dental or veterinary service. The bundle price may be based on a location or time at which at least one service will be performed and may be determined using a user's remaining insurance deductible. Payment may be disbursed to multiple providers of the bundled set of healthcare services. A payment may be virtual funds.