The described device allows a user to set preference and receive the preferences by simply allowing a payment device to communicate with a preference reader.

A method for automatically re-processing a transaction in an electronic payment processing network independent of a merchant system or a user includes: receiving a first transaction message associated with a payment transaction; generating a first authorization request; communicating the first authorization request to an issuer system; in response to determining that the first authorization request failed, automatically determining a second payment device associated with the user based on profile data; automatically generating a second authorization request associated with the transaction; communicating the second authorization request to a second issuer system; and in response to determining that the second authorization request was approved by the second issuer, processing the transaction based on the transaction data and the second account data.

Disclosed are a personal card management system and method by reverse automatic synchronization. The personal card management system by reverse automatic synchronization comprises: a public interest corporation terminal which designates a beneficiary for facilitating the benefits of donations and provides a card company system with deposits; a card management server which registers the card of the beneficiary designated by the public interest corporation terminal and manages the transaction history of the registered card; and a beneficiary terminal which requests the registration of the card for receiving the benefits to the card management server and synchronizes the relevant transaction history with the card management server.

The present disclosure involves systems, software, and computer implemented methods for an improved method and system for providing payment card management and secured remote redemption without disclosure of a full card number. In one example method, a cloud service receives a notification from a merchant associated with a new payment card activation, the notification including a messaging identifier corresponding to an account associated with the payment card and its value. The cloud service can then associate, in an account associated with the messaging identifier, the new payment card and the messaging identifier. The new payment card is then assigned the value of the new payment card, and the cloud service can generate a notification message specific to the account associated with the messaging identifier, and can transmit the notification to a device associated with the messaging identifier of the account.

A computer-implemented method includes the operations of receiving pre-registration data from a cardholder and receiving cardholder transaction data from an interchange network. Transaction details are extracted from the received cardholder transaction data. The extracted transaction details are compared to the received pre-registration data, and based on the comparison, a transaction confidence score for the transaction is determined.

A computer-implemented method for prepaid card funding for a single transaction includes receiving, from a client, a request for funding a single transaction using a payment vehicle, providing funds for the single transaction with the payment vehicle, notifying the client that the funds are available for the single transaction with the payment vehicle, receiving notification from the client that the single transaction with the payment vehicle has been completed, and unloading remaining funds from the payment vehicle, such that no funds remain with the payment vehicle.

Various implementations described herein are directed to a method for providing access control via an access server. In one implementation, a card or token onboarding request is received from a merchant server. Onboarding is initiated based on the received card or token onboarding request. An access initiation request is received from an access terminal. The access initiation request includes at least a card or token of a consumer. A mapping is created based on the access initiation request. Access is provided via the access terminal, in response to an access request, based on the mapping.

The present invention relates to a system and method for integrating player tracking and cash access in a casino or other gaming environment. One aspect of the invention relates to integrating player tracking and cash access transactions by allowing a player to utilize a player tracking card for each financial transaction conducted in a gaming environment, wherein financial account information for the player, such as bank or credit card information, is linked to their player tracking account and card.

The disclosure describes techniques to protect personal information stored on an electronic card with which an owner of the electronic card may be authorized to perform a transaction. For example, a point-of-sale (POS) device may receive protected data generated by an electronic card where the protected data may be used by a personal information server to identify the owner of the electronic card. The POS devices sends the protected data and transaction information to an authorization server that sends the protected data to a personal information server. The owner's personal information can be obtained or derived from the protected data by the personal information server and the personal information is sent to the authorization server. The authorization server can determine whether a transaction is authorized or unauthorized based on the transaction information obtained from the POS device and the personal information obtained from the personal information server.

A method of processing a gift card includes: receiving a registration request for registration of a gift card, the registration request including an identifier associated with at least one gift card user; registering a gift card for a gift card amount, the gift card having an expiration date; monitoring redemption of the gift card amount by at least determining whether at least a portion of the gift card amount has not been redeemed by the expiration date; and causing at least a portion of the gift card amount to be transferred to an account in an electronic gift card wallet associated with the at least one gift card user based on the identifier associated with the at least one gift card user. A system and computer program product for processing a gift card are also disclosed.