Abstract: A method is disclosed and includes receiving a push transfer message with a first transaction amount, and a digital tag, a credential or a token from an application server computer, in a transaction. In the transaction, a first user using a first user device interacts with a second user using the digital tag. The digital tag associated with the credential or the token, and the first user device has a transfer application that receives the digital tag and is in communication with the application server computer. The push transfer message is transmitted to an authorizing entity computer where a second amount is credited to the second user's account.

Abstract: A method is disclosed and includes receiving a push transfer message with a first transaction amount, and a digital tag, a credential or a token from an application server computer, in a transaction. In the transaction, a first user using a first user device interacts with a second user using the digital tag. The digital tag associated with the credential or the token, and the first user device has a transfer application that receives the digital tag and is in communication with the application server computer. The push transfer message is transmitted to an authorizing entity computer where a second amount is credited to the second user's account.

Abstract: A method is disclosed and includes receiving a push transfer message with a first transaction amount, and a digital tag, a credential or a token from an application server computer, in a transaction. In the transaction, a first user using a first user device interacts with a second user using the digital tag. The digital tag associated with the credential or the token, and the first user device has a transfer application that receives the digital tag and is in communication with the application server computer. The push transfer message is transmitted to an authorizing entity computer where a second amount is credited to the second user's account.

Abstract: 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.

Abstract: A computer-implemented method for combining a plurality of separate orders into a single transaction includes: receiving a request from a first user device identifying a plurality of users; in response to receiving the request, generating a unique identifier for each user of the plurality of users; receiving a plurality of order requests within a time period from a plurality of computing devices associated with at least a subset of users of the plurality of users, each order request of the plurality of order requests identifying the unique identifier for a respective user; determining that the time period has expired; and in response to determining that the time period has expired, generating an authorization request for a total transaction value of the plurality of order requests. A system and computer program product for combining a plurality of separate orders into a single transaction is also disclosed.

Abstract: A computer-implemented method or a system including a processor and a memory may include instructions for receiving instructions from a sender computing system to facilitate sending a payment to a receiver computing system. The instructions may include a value and identifying information for both the sender computer system and the receiver computer system. The sender computer system may be indicated in financial institution system account data at a financial institution system and the receiver computer system may not be indicated in the financial institution system account data at the financial institution system. Further, no peer-to-peer payment system may include both the sender computer system and the receiver computer system. The memory may also include instructions for provisioning a virtual debit card including identifying information for the receiver computer system, adding the value to the virtual debit card, and sending the virtual debit card to the receiver computer system.

Abstract: A computer-implemented method for processing a fund disbursement transaction includes: receiving a fund disbursement request identifying a disbursement amount; determining the merchant account and the consumer account; generating a first authorization request based on the disbursement amount and the merchant account, the first authorization request configured to cause an acquirer system corresponding to the merchant account to determine whether the merchant account includes the disbursement amount; communicating the first authorization request; receiving a first authorization response; and generating a second authorization request configured to initiate a push payment of the disbursement amount to the consumer account.