Abstract: Turning now to the drawings, systems and methods for transferring funds in accordance with embodiments of the invention are illustrated. In one embodiment, a method for conducting peer-to-peer transfers includes obtaining a cash-out request data using a fund transfer server system, wherein the cash-out request data includes target account data and fund data, the target account data includes metadata identifying a consumer account and specifies an account to which funds will be provided, and the fund data describes the funds to be provided in response to redeeming the cash-out request, generating a cash-out code based on cash-out request data using the fund transfer server system, providing the cash-out code using the fund transfer server system, obtaining cash-out code redemption data using the fund transfer server system, wherein the cash-out code redemption data identifies the provided cash-out code, and transmitting a request to provide the funds described by the fund data.

Abstract: Turning now to the drawings, systems and methods for transferring funds in accordance with embodiments of the invention are illustrated. In one embodiment, a method for conducting peer-to-peer transfers includes obtaining a cash-out request data using a fund transfer server system, wherein the cash-out request data includes target account data and fund data, the target account data includes metadata identifying a consumer account and specifies an account to which funds will be provided, and the fund data describes the funds to be provided in response to redeeming the cash-out request, generating a cash-out code based on cash-out request data using the fund transfer server system, providing the cash-out code using the fund transfer server system, obtaining cash-out code redemption data using the fund transfer server system, wherein the cash-out code redemption data identifies the provided cash-out code, and transmitting a request to provide the funds described by the fund data.

Abstract: Turning now to the drawings, systems and methods for transferring funds in accordance with embodiments of the invention are illustrated. In one embodiment, a method for conducting peer-to-peer transfers includes obtaining a cash-out request data using a fund transfer server system, wherein the cash-out request data includes target account data and fund data, the target account data includes metadata identifying a consumer account and specifies an account to which funds will be provided, and the fund data describes the funds to be provided in response to redeeming the cash-out request, generating a cash-out code based on cash-out request data using the fund transfer server system, providing the cash-out code using the fund transfer server system, obtaining cash-out code redemption data using the fund transfer server system, wherein the cash-out code redemption data identifies the provided cash-out code, and transmitting a request to provide the funds described by the fund data.

Abstract: Turning now to the drawings, systems and methods for transferring funds in accordance with embodiments of the invention are illustrated. In one embodiment, a method for conducting peer-to-peer transfers includes obtaining a cash-out request data using a fund transfer server system, wherein the cash-out request data includes target account data and fund data, the target account data includes metadata identifying a consumer account and specifies an account to which funds will be provided, and the fund data describes the funds to be provided in response to redeeming the cash-out request, generating a cash-out code based on cash-out request data using the fund transfer server system, providing the cash-out code using the fund transfer server system, obtaining cash-out code redemption data using the fund transfer server system, wherein the cash-out code redemption data identifies the provided cash-out code, and transmitting a request to provide the funds described by the fund data.

Abstract: Systems and methods for distributed request routing in accordance with embodiments of the invention are disclosed.

Abstract: Systems and methods for privacy preservation in accordance with embodiments of the invention are disclosed. In one embodiment, a method for storing data includes obtaining data using an account servicing server system, where the account servicing server system includes a processor, memory connected to the processor, a sensitive data database, and a query engine database, identifying sensitive data in the obtained data using the account servicing server system, where the sensitive data includes personally identifiable information, identifying non-sensitive data in the obtained data using the account servicing server system, storing the sensitive data in the sensitive data database using the account servicing server system, and storing the non-sensitive data in the query engine database using the account servicing server system.

Abstract: Systems and methods for transaction routing in accordance with embodiments of the invention are disclosed. In one embodiment, a method for routing transactions includes obtaining transaction data using an account servicing server system, where the transaction data includes metadata identifying a consumer account and the account servicing server system includes a processor and a memory connected to the processor, identifying routing rule data based on the transaction data using the account servicing server system, generating transaction request data based on the routing rule data and the transaction data using the account servicing server system, where the transaction request data includes at least one routing number and one account number identifying a financial account, and providing the transaction request data to at least one financial institution system using the account servicing server system, where the at least one financial institution system services the identified financial account.

Abstract: Turning now to the drawings, systems and methods for transferring funds in accordance with embodiments of the invention are illustrated. In one embodiment, a method for conducting peer-to-peer transfers includes obtaining a cash-out request data using a fund transfer server system, wherein the cash-out request data includes target account data and fund data, the target account data includes metadata identifying a consumer account and specifies an account to which funds will be provided, and the fund data describes the funds to be provided in response to redeeming the cash-out request, generating a cash-out code based on cash-out request data using the fund transfer server system, providing the cash-out code using the fund transfer server system, obtaining cash-out code redemption data using the fund transfer server system, wherein the cash-out code redemption data identifies the provided cash-out code, and transmitting a request to provide the funds described by the fund data.

Abstract: Systems and methods for dynamic account routing in accordance with embodiments of the invention are disclosed. In one embodiment, a method for dynamic account routing includes obtaining requested transaction data using an account servicing server system where the requested transaction data identifies a consumer account and includes transaction amount data, identifying a set of routing rules based on the identified consumer account using the account servicing server system, requesting funds from at least one funding source system based on the set of routing rules using the account servicing system, where the requested funds are based on the transaction amount data, obtaining authorization data for the requested funds from the at least one funding source system using the account servicing server system, generating transaction authorization data based on the obtained authorization data and the requested transaction data using the account servicing server system, and providing the transaction authorization data.

Abstract: Systems and methods for banking platform isolation in accordance with embodiments of the invention are disclosed. In one embodiment, a method for providing banking platform isolation includes obtaining account data using an account servicing server system, where the account data describes consumer accounts, obtaining event feed data using the account servicing server system, where the event feed data includes a set of transaction data for at least one consumer account described in the account data, generating an account transaction database for each consumer account based on the event feed data using the account servicing server system, obtaining request data using the account servicing server system, where the request data includes a request for a service for a consumer account, generating response data based on the request data and the account transaction database using the account servicing server system, and transmitting the response data using the account servicing server system.

Abstract: Systems and methods for targeting advertising based on indicated future purchases n accordance with embodiments of the invention are disclosed. In one embodiment, a method for targeting advertising includes obtaining target product data using an account servicing server system, wherein the target product data includes a set of attribute/value pair data describing a target product, obtaining target product account data using the account servicing server system, wherein the target product account data includes target product account balance data describing the funds available to spend on the target product using a prepaid card, generating targeting data based on the target product data and the target product account data using the account servicing server system, obtaining advertising data based on the targeting data using the account servicing server system, and providing the advertising data using the account servicing server system.

Abstract: Systems and methods for targeting advertising in accordance with embodiments of the invention are disclosed. In one embodiment, a method for targeting advertising includes obtaining financial transaction data using an account servicing server system, wherein the financial transaction data comprises location data, retailer identification data, and metadata describing reload activity for a prepaid card and the reload activity comprises metadata describing the amount of money deposited in an account associated with the prepaid card, generating targeting data based on the location data, retailer identification data, and the reload activity using the account servicing server system, obtaining advertising data based on the generated targeting data using the account servicing server system, wherein the advertising data comprises at least one offer for a product provided by the retailer identified by the retailer identification data, and providing the advertising data using the account servicing server system.

Abstract: Systems and methods for targeting advertising based on historical transaction data in accordance with embodiments of the invention are disclosed.

Abstract: Systems and methods for loan underwriting for prepaid accounts in accordance with embodiments of the invention are disclosed. In one embodiment, a method for processing transactions includes obtaining transaction data using an account servicing server system, wherein the transaction data includes price data and metadata identifying a consumer account, obtaining product account data based on the metadata using the account servicing server system, wherein the product account data includes account balance data describing the funds available, calculating loan risk data based on the transaction data and the product account data using the account servicing server system, determining loan eligibility data based on the calculated loan risk data using the account servicing server system, generating transaction approval data based on the loan eligibility data and the transaction data using the account servicing server system, and providing the transaction approval data using the account servicing server system.