Abstract: A financial account system includes a stored-value card, a first financial account directly accessible via the stored-value card and a second financial account associated with the first financial account. Funds may be transferred between the first and the second financial account. The transfers between the first and the second financial account may be automatic, recurring, or one-time events and wherein the automatic, recurring, or one-time events may be transacted regardless of a current balance of the first financial account and/or the second financial account. The balances associated with the first and/or the second financial accounts may be used to collateralize loans.

Abstract: A package for display and sale of a card product including a first portion including a first panel connected to a second panel via a first fold line and a third panel connected to the second panel via a second fold line, the first panel including a first opening, the third panel including a second opening, which, in a folded state where the first panel has been folded to overlap the second panel via the first fold line and the second panel has been folded to overlap the third panel via a second fold line and the fourth panel has been folded to overlap the third panel via the third fold line, the first opening at least partially overlaps the second opening, a second portion foldably connected to the first portion, wherein the second portion displays information about the card product, a first fastener, and a second fastener releasably attached to the first fastener when the first portion and the second portion are in a closed position, wherein the first fastener and the second fastener re-attachably separate f

Abstract: A transaction card package assembly comprising at least one transaction card, at least one sample product, and a card holder, and methods and system for processing the same.

Abstract: A transaction card processing and activation system comprising the identification of a unique identifier corresponding to an aggregate of transaction cards of affiliated or non-affiliated card issuers and the activation of each transaction card corresponding to the unique identifier of the aggregate irrespective of the number, types, or card issuers of the transaction cards. Additionally, the present invention allows a point of sale entity to initiate the activation of each of the multiple, disparate transaction cards in the aggregate by merely processing the unique identifier associated with the aggregate.

Abstract: A computerized system for activating, issuing and otherwise managing transactions and activities pertaining to stored-value cards over a communications network. A central information database is provided for storing stored-value cardholder and card purchaser information received directly from respective stored-value cardholders and card purchasers PCs through a universal central processor via respective communication gateways. The central processor is coupled for communication realtime to multiple unaffiliated stored-value card processing networks normally operated by respective hosts. Each network includes a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices. The central processor is programmed for managing the activation and issuance of transactions and activities for the stored-value card through the respective unaffiliated networks.

Abstract: A client selects several merchants with whom the card may be redeemed, the amount redeemable, and a design for the card, which is personalized for the card recipient.

Abstract: A package is configured to hold an information carrying card. The package includes a first panel connected to a second panel via a first fold line. The first panel includes a first opening. A third panel is connected to the second panel via a second fold line, the third panel includes a second opening. In a state where the first panel has been folded to overlap the second panel via the first fold line and the second panel has been folded to overlap the third panel via the second fold line, the first opening at least partially overlaps the second opening. The package may include a card on which data is stored. The data is exposed through the first and second opening to an environment outside the package.

Abstract: A package is configured to hold an information carrying card. The package includes a first panel connected to a second panel via a first fold line. The first panel includes a first opening. A third panel is connected to the second panel via a second fold line, the third panel includes a second opening. In a state where the first panel has been folded to overlap the second panel via the first fold line and the second panel has been folded to overlap the third panel via the second fold line, the first opening at least partially overlaps the second opening. The package may include a card on which data is stored. The data is exposed through the first and second opening to an environment outside the package.

Abstract: A transaction card processing and activation system comprising the identification of a unique identifier corresponding to an aggregate of transaction cards of affiliated or non-affiliated card issuers and the activation of each transaction card corresponding to the unique identifier of the aggregate irrespective of the number, types, or card issuers of the transaction cards Additionally, the present invention allows a point of sale entity to initiate the activation of each of the multiple, disparate transaction cards in the aggregate by merely processing the unique identifier associated with the aggregate.

Abstract: A device comprises: a receiver configured to receive a client certificate; a processor coupled to the receiver and configured to: authenticate the client certificate, extract, in response to the authentication, attributes from the client certificate, and create, in response to the extraction, a message comprising reformatted attributes based on the attributes, wherein the reformatted attributes can be trusted; and a transmitter coupled to the processor and configured to transmit the message. A device comprises: a processor configured to: process a client certificate comprising a certificate identifier (ID) attribute, a tenant ID attribute, and a role ID attribute, and package the client certificate in a request for a shared service; and a transmitter coupled to the processor and configured to transmit the request.

Abstract: 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.

Abstract: A method for crediting a customer account maintained by a vendor of services in response to payment received from a customer is disclosed herein. The method includes issuing, to the customer, a membership account number associated with at least the customer account. A membership account number and a payment corresponding to a requested amount of a service offered by the vendor are received from the customer at a point-of-sale. The method further includes generating, at the point-of-sale, an authorization message including at least the membership account number and embedded transaction information identifying the service offered by the vendor and the requested amount. The embedded transaction information is then communicated from the point-of-sale to a database server. The customer account is credited, in response to the embedded transaction information, based upon an amount of the payment.

Abstract: A computer implemented method for adding value to a stored value card in excess of the purchase price for the stored value card is provided. In one embodiment a stored value card transaction processor receives an activation or redemption request for a stored value card from a point of sale terminal. The activation or redemption request comprises at least one of a card identification, a point of sale terminal identification, a merchant identification, and a time of activation which is compared to data stored in a stored value card datastore to determine if the stored value card to be activated is eligible for a value added award. The processor then determines the value added award and modifies the request to include the value added award. The processor then transmits the modified request to the card issuer authorization system and receives a response which is forwarded to the point of sale terminal.

Abstract: A method of generating and executing offers and rewards to cardholders and/or program participants where an Offer Platform receives a request to create an offer to associate a value token with a financial institution, determines a list of available offers for qualifying cardholders, and tracks when offers are received and executed by the cardholders. The Offer Platform may work in conjunction with financial institutions and vendors to provide these services, and the determination of available offers and qualifying cardholders may be made based upon information provided by these entities regarding consumer products and goods/services.

Abstract: Systems and methods for associating a proxy card with an electronic wallet are disclosed. A computer implemented method may include receiving an authentication information of a proxy card, and associating the proxy card with an electronic wallet, wherein associating the proxy card with the electronic wallet allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A system may include a proxy card comprising authentication information, and an electronic wallet associated with the proxy card, wherein the association of the electronic wallet with the proxy card allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A wallet redemption card may comprise a rewriteable magnetic stripe, a smart chip, a wireless communicator operably connected to the smart chip, and an interface operably connected between the rewriteable magnetic stripe and the smart chip.

Abstract: A computerized system for activating, issuing and otherwise managing transactions and activities pertaining to stored-value cards over a communications network. A central information database is provided for storing stored-value cardholder and card purchaser information received directly from respective stored-value cardholders and card purchasers PCs through a universal central processor via respective communication gateways. The central processor is coupled for communication realtime to multiple unaffiliated stored-value card processing networks normally operated by respective hosts. Each network includes a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices. The central processor is programmed for managing the activation and issuance of transactions and activities for the stored-value card through the respective unaffiliated networks.

Abstract: Systems and methods for providing a security code of an electronic stored value card are disclosed. A computer implemented method may include receiving a request for a security code of an electronic stored-value card, calculating the security code by a security code provider, providing a calculated security code of the electronic-stored value card in response to the request for a security code, and eliminating the calculated security code from all databases of the security code provider. A system may include a computer device of a provider of a security code of an electronic stored-value card, the computer device to receive a request for a security code of the electronic stored-value card, to calculate the security code, to provide the calculated security code in response to the request for a security code, and to eliminate the calculated security code from the computer device.

Abstract: A package for display and sale of a card product comprising a first portion including a first panel connected to a second panel via a first fold line and a third panel connected to the second panel via a second fold line, the first panel including a first opening, the third panel including a second opening, which, in a folded state where the first panel has been folded to overlap the second panel via the first fold line and the second panel has been folded to overlap the third panel via a second fold line and the fourth panel has been folded to overlap the third panel via the third fold line, the first opening at least partially overlaps the second opening, a second portion foldably connected to the first portion, wherein the second portion displays information about the card product, a first fastener, and a second fastener releasably attached to the first fastener when the first portion and the second portion are in a closed position, wherein the first fastener and the second fastener re-attachably separate

Abstract: A transaction processing platform capable of facilitating the distribution to consumers of various types of prepaid products is disclosed. The transaction processing platform is configured to interface with one or more providers of such prepaid products in order to facilitate the procurement or activation of the products. The platform includes a conduit interface through which service request messages are received and respectively utilized to generate transaction requests for corresponding types of prepaid services. A supply interface arrangement, operatively coupled to the conduit interface, is configured to route a first of the transaction requests through a first supply interface associated with a first type of prepaid service. The supply interface arrangement also routes a second transaction request through a second supply interface associated with a second type of prepaid service.

Abstract: A transaction card package assembly comprising a transaction card connected to a first panel via a releasable interface, wherein the first panel is affixed to a second panel such that upon releasing the interface, the first panel remains affixed to the second panel and the transaction card is released from the package assembly.