Abstract: A system and method to enable an account owner, such as a user of a pre-paid card, to invite another person to become a user of a pre-paid card. The account owner may find a person to “invite” based on the owner's email, contact list, social network contacts, or another suitable source of data. If the person receiving the invitation to apply for and open a pre-paid account opens such an account, then the person sending the invitation may receive an award or reward. In some cases, the person receiving the invitation may also receive an award or reward. The amount of the award or reward may depend on one or more factors, including the number of times the new account owner loads their pre-paid card, the number of transactions that the new account owner conducts using the pre-paid card, etc.

Abstract: The SCHEDULED FUNDS TRANSFER PLATFORM APPARATUSES, METHODS AND SYSTEMS (hereinafter “SFT PLATFORM”) transforms user account information, fund transfer configuration inputs via SFT PLATFORM components into fund transfer transaction record and fund transfer to a transfer-to account. In one embodiment, a method is disclosed, comprising: receiving a fund transfer scheduling request and fund transfer configuration parameters from a user, said fund transfer configuration parameters including a fund transfer trigger condition, a fund transferor's account and a fund transferee's account; verifying eligibility of the fund transfer scheduling request based on the fund transfer configuration parameters; determining the fund transfer trigger condition occurs; initiating a fund transfer transaction from the fund transferor's account to the fund transferee's account; and generating a fund transfer transaction record based on the initiated fund transfer transaction.