Abstract: The invention is directed to systems and methods of conducting transactions associated with a transit card. A method of conducting transactions may be conducted between a processor and a transit processor. Steps may include receiving a redemption request and determining if it is a pre-authorization request or a redemption; if the redemption request is a pre-authorization request, determining if the account is authorized for a particular transit type. If the account is authorized, communicating approval to the transit processor. If the account is not authorized communicating denial. If the redemption request is a redemption: determining if account value is sufficient to pay the redemption amount; if not, denying and if so approving the transaction and deducting the amount, and determining if the account value is below a pre-determined threshold for a particular transit types, and if so, updating the status of the account at a data store.

Abstract: The invention is directed to systems and methods of conducting transactions associated with a transit card. A method of conducting transactions may be conducted between a processor and a transit processor. Steps may include receiving a redemption request and determining if it is a pre-authorization request or a redemption; if the redemption request is a pre-authorization request, determining if the account is authorized for a particular transit type. If the account is authorized, communicating approval to the transit processor. If the account is not authorized communicating denial. If the redemption request is a redemption: determining if account value is sufficient to pay the redemption amount; if not, denying and if so approving the transaction and deducting the amount, and determining if the account value is below a pre-determined threshold for a particular transit types, and if so, updating the status of the account at a data store.

Abstract: A method of adding a value to a customer account is provided. A request to add a value to a customer account of a customer is received from a point of sale terminal. The request may comprise value identification data associated with the value and account identification data associated with the customer account. The customer account identification data may be entered at the point of sale. The request may be associated with a purchase of the value. The value may be caused to be added to the customer account. During subsequent value purchase transactions, additional value may be added to the account.

Abstract: A method of adding a value to a customer account is provided. A request to add a value to a customer account of a customer is received from a point of sale terminal. The request may comprise value identification data associated with the value and account identification data associated with the customer account. The customer account identification data may be entered at the point of sale. The request may be associated with a purchase of the value. The value may be caused to be added to the customer account. During subsequent value purchase transactions, additional value may be added to the account.

Abstract: The present invention is directed to systems and methods of activating an electronic device at a point-of-sale (POS). The device may be identified by an indicia and activation may occur following purchase of the device. The method may include the steps of receiving at a central processor from the POS the indicia identifying the device purchased at the POS; enabling by the central processor a feature or functionality of the device or use of the device; and conveying to the device information material to the feature, functionality, or use. The system may include a central processor that activates the device. The central processor may include various interfaces with the POS, provider, and device, as well as a database with records related to the device and an activation processor for determining if activation is appropriate, activating the device, and sending information material to the feature, functionality, or use to the device.

Abstract: A method of adding a value to a customer account is provided. A request to add a value to a customer account of a customer is received from a point of sale terminal. The request may comprise value identification data associated with the value and account identification data associated with the customer account. The customer account identification data may be entered at the point of sale. The request may be associated with a purchase of the value. The value may be caused to be added to the customer account. During subsequent value purchase transactions, additional value may be added to the account.

Abstract: The present invention is directed to systems and methods of activating an electronic device at a point-of-sale (POS). The device may be identified by an indicia and activation may occur following purchase of the device. The method may include the steps of receiving at a central processor from the PUS the indicia identifying the device purchased at the POS; enabling by the central processor a feature or functionality of the device or use of the device; and conveying to the device information material to the feature, functionality, or use. The system may include a central processor that activates the device. The central processor may include various interfaces with the POS, provider, and device, as well as a database with records related to the device and an activation processor for determining if activation is appropriate, activating the device, and sending information material to the feature, functionality, or use to the device.

Abstract: A method of adding a value to a customer account is provided. A request to add a value to a customer account of a customer is received from a point of sale terminal. The request may comprise value identification data associated with the value and account identification data associated with the customer account. The customer account identification data may be entered at the point of sale. The request may be associated with a purchase of the value. The value may be caused to be added to the customer account. During subsequent value purchase transactions, additional value may be added to the account.

Abstract: The present invention is directed to systems and methods of activating an electronic device at a point-of-sale (POS). The device may be identified by an indicia and activation may occur following purchase of the device. The method may include the steps of receiving at a central processor from the POS the indicia identifying the device purchased at the POS; enabling by the central processor a feature or functionality of the device or use of the device; and conveying to the device information material to the feature, functionality, or use. The system may include a central processor that activates the device. The central processor may include various interfaces with the POS, provider, and device, as well as a database with records related to the device and an activation processor for determining if activation is appropriate, activating the device, and sending information material to the feature, functionality, or use to the device.

Abstract: The present invention is generally directed to methods of manufacturing data card assemblies. These methods generally comprise manufacturing or purchasing a data card comprising a special number, wherein the special number is associated with a particular data card account; packaging the data cards in a package such that the special number is visible; generating activation information; reading the special number on the data card; recording the activation information on the package; and associating the special number with the particular activation information recorded on the package. Some embodiments of the present invention may further comprise conveying the association between the activation information and the special number to an intermediary managing the data card accounts. Some embodiments of the present invention may further comprise generating a special number associated with a particular data card account; and generating activation information associated with a particular special number.

Abstract: The invention is directed to systems and methods for using a virtual gift card having an associated value, operable on a mobile device having a processor and memory, the mobile device linked to a virtual gift card manager, the method including: identifying a geographic identifier for the mobile device; matching the geographic identifier with at least one virtual gift card stored on the mobile device; determining an amount of value associated with the at least one virtual gift card; identifying any offers or promotions redeemable with the amount of value; displaying the at least one virtual gift card, the amount of value, and any offers or promotions on the mobile device; and selectively enabling a transaction utilizing the virtual gift card, the transaction based at least in part on the any offers or promotions, the transaction including a manipulation of value associated with the at least one virtual gift card.

Abstract: Aspects of the invention may include methods and systems for conducting a transaction utilizing an indicia associated with goods or services, the indicia initially provided to an originating party by an originating merchant, but wherein the indicia may be used in a transaction at a providing merchant by an obtaining party, the transaction conducted amongst a central processor, one or more merchants that may include the originating merchant and the providing merchant, and one or more parties that may include the originating party and the obtaining party. The method may include steps such as: receiving the indicia from the providing merchant; determining whether the indicia is valid, the goods or services associated with the indicia, whether the providing merchant is the originating merchant, whether the obtaining party is the originating party, and determining a transaction price for the indicia.

Abstract: The present invention is directed to systems and methods providing payment into a pre-existing customer account with a provider of goods or services, the method facilitated between a customer, a provider of goods or services, and a processor. The method including steps such as receiving from the customer value, identifying information of the customer, and information sufficient to identify the provider and pre-existing account of the customer; accessing a payment platform of the provider; determining information required by the provider in order to provide payment into the customer account; communicating information required by the provider in order to provide payment into the customer account; and providing a value into the customer account.

Abstract: The present invention is directed to systems and methods of activating an electronic device at a point-of-sale (POS). The device may be identified by an indicia and activation may occur following purchase of the device. The method may include the steps of receiving at a central processor from the POS the indicia identifying the device purchased at the POS; enabling by the central processor a feature or functionality of the device or use of the device; and conveying to the device information material to the feature, functionality, or use. The system may include a central processor that activates the device. The central processor may include various interfaces with the POS, provider, and device, as well as a database with records related to the device and an activation processor for determining if activation is appropriate, activating the device, and sending information material to the feature, functionality, or use to the device.

Abstract: The present invention is directed to systems and methods of activating an electronic device at a point-of-sale (POS). The device may be identified by an indicia and activation may occur following purchase of the device. The method may include the steps of receiving at a central processor from the POS the indicia identifying the device purchased at the POS; enabling by the central processor a feature or functionality of the device or use of the device; and conveying to the device information material to the feature, functionality, or use. The system may include a central processor that activates the device. The central processor may include various interfaces with the POS, provider, and device, as well as a database with records related to the device and an activation processor for determining if activation is appropriate, activating the device, and sending information material to the feature, functionality, or use to the device.

Abstract: The invention is directed to systems and methods of conducting transactions associated with a transit card. A method of conducting transactions may be conducted between a processor and a transit processor. Steps may include receiving a redemption request and determining if it is a pre-authorization request or a redemption; if the redemption request is a pre-authorization request, determining if the account is authorized for a particular transit type. If the account is authorized, communicating approval to the transit processor. If the account is not authorized communicating denial. If the redemption request is a redemption: determining if account value is sufficient to pay the redemption amount; if not, denying and if so approving the transaction and deducting the amount, and determining if the account value is below a pre-determined threshold for a particular transit types, and if so, updating the status of the account at a data store.

Abstract: The present invention is directed to systems and methods providing payment into a pre-existing customer account with a provider of goods or services, the method facilitated between a customer, a provider of goods or services, and a processor. The method including steps such as receiving from the customer value, identifying information of the customer, and information sufficient to identify the provider and pre-existing account of the customer; accessing a payment platform of the provider; determining information required by the provider in order to provide payment into the customer account; communicating information required by the provider in order to provide payment into the customer account; and providing a value into the customer account.

Abstract: Aspects of the invention may include methods and systems for determining commission amounts in a multiple party transaction for the purchase of goods or services by an obtaining user, the goods or services associated with an indicia, the multiple party transaction being amongst at least an originating merchant and a providing merchant, the providing merchant in selective communication with a central processor, the method including: receiving the indicia associated with the goods or services for purchase and a purchase price; determining the goods or services associated with the indicia; determining factors associated with the multiple party transaction comprising: the purchase price; the identity of the providing merchant and providing merchant characteristics; the identity of the originating merchant and originating merchant characteristics; calculating, based at least in part on the factors: a commission, if any, for the providing merchant; and a commission, if any, for the originating merchant.

Abstract: Methods and systems for using a Radio Frequency Identification (RFID) payment card are disclosed herein. The method generally comprises receiving an indicia identifying an RFID card, receiving a request to activate the RFID card, activating the RFID card by associating an initial value with a database record associated with the RFID card; receiving a PIN associated with the RFID card; receiving profile information; and associating the profile information with the database record. Systems for using RFID cards generally comprise an RFID card, an RFID account associated with the RFID card, a merchant communication module that receives indicia identifying the RFID card and sends a request to activate the RFID card, and a central processor or intermediary that receives a PIN associated with the RFID card and a request to activate the RFID card from the merchant communication module.

Abstract: A method and system for using a rebate card are disclosed. The method may comprise initiating a purchase transaction for one or more products at a point of sale, determining whether the purchase transaction qualifies for a rebate, determining a rebate value based on the purchase transaction and the rebate, activating a rebate value in a rebate card account associated with a rebate card based on the determining action, and delivering the rebate card to a customer of the one or more products during the purchase transaction.