Abstract: Systems and methods for creating accounts at a plurality of payment processors include a method that receives a first request to create a new account, and identifies a payment processor of the plurality of payment processors to handle the first request. The method determines whether a proxy for the new account exists in a local storage and sends a second request to the identified payment processor to create the new account, where the second request includes the proxy when the proxy for the new account exists.

Abstract: Systems and methods for creating accounts at a plurality of payment processors include a method that receives a first request to create a new account, and identifies a payment processor of the plurality of payment processors to handle the first request. The method determines whether a proxy for the new account exists in a local storage and sends a second request to the identified payment processor to create the new account, where the second request includes the proxy when the proxy for the new account exists.

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.

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 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.