Abstract: An apparatus and method for exchanging one form of stored value for another form of value. In one embodiment, a method for exchanging stored value for an alternative form of value comprises sending stored value account information relating to the stored value to at least a first value provider, receiving a first offer to exchange the stored value for an alternative form of value, the first offer originating from the first value provider. A supplemental offer is received in addition to the first offer, the supplemental offer adding a second form of value to the alternative from of value, the supplemental offer originating from a second value provider. A user may then accept the first offer and the supplemental offer and exchange the stored value for the first and second forms of value.

Abstract: An apparatus and method for exchanging one form of stored value for another form of value. In one embodiment, a method for exchanging stored value for an alternative form of value comprises receiving stored value account information relating to the stored value from a remote user device and sending a request to a first value provider to provide an offer to exchange the store value for the alternative form of value. The method further comprises receiving the offer, the offer comprising a first offer to exchange the stored value for an alternative form of value and a supplemental offer comprising a supplemental value. The method further comprises sending the first offer and the supplemental offer to the remote user device for acceptance.

Abstract: An apparatus and method for exchanging one form of stored value for another form of value. In one embodiment, a method for exchanging stored value for an alternative form of value comprises receiving stored value account information relating to the stored value from a remote user device and generating a first offer to exchange the stored value for an alternative form of value. A request is sent to a first value provider to provide a supplemental offer to the first offer. The supplemental offer is then received from the first value provider, and the first offer and the supplemental offer are sent to the remote user device for acceptance.

Abstract: An apparatus and method for exchanging one form of stored value for another form of value. In one embodiment, a method for exchanging stored value for an alternative form of value comprises receiving stored value account information relating to the stored value from a remote user device, and determining a market value of the stored value. The method further comprises generating an offer to exchange the stored value for an alternative form of value and sending the offer to the remote user device. An indication of acceptance of the offer from the remote user device is then received and the alternative form of value is exchanged for the stored value. Finally, the stored value is exchanged for another form of value equal to the market value.

Abstract: An apparatus and method for exchanging one form of stored value for another form of value. In one embodiment, a method for exchanging stored value for an alternative form of value comprises receiving stored value account information relating to the stored value from a remote user device, sending at least a portion the stored value account information to a first value provider and receiving a first offer to exchange the stored value for an alternative form of value. A request is then sent to a second value provider requesting that the second value provider provide a supplemental offer, the supplemental offer adding a second form of value to the alternative from of value. The supplemental offer is received, and then both the first and supplemental offers are provided to the remote user device for acceptance.