Abstract: A prepaid spending card for the storage of funds, the prepaid spending card comprising a single primary account number. The prepaid spending card further comprises a first purse identified by a first pseudo DDA, the first purse authorized to received funds from any available funding source, and a second purse identified by a second pseudo DDA, the second purse authorized to send and receive funds only from restricted sources. The first pseudo DDA is used to route incoming funds to the first purse and the second pseudo DDA is used to route incoming funds to the second purse. Moreover, the first purse receives funds from any available funding source and the second purse receives from restricted funding sources.

Abstract: A method for managing account savings via authorization holds includes: storing an account profile related to a transaction account including an account identifier and primary account number; receiving a savings request including the account identifier and savings data; identifying a starting amount, goal amount, and period of time based on the savings data; generating a first transaction message including the primary account number starting amount; transmitting the first transaction message to a financial institution associated with the related transaction account; generating a second transaction message including the primary account number and goal amount; and transmitting the second transaction message to the financial institution associated with the related transaction account after at least the period of time following transmission of the first transaction message.

Abstract: An angle of repose valve for controlling the flow of granules and a method of repairing a leak in an angle of repose valve are disclosed herein. The angle of repose valve has a housing with an interior cavity, an inlet, and an outlet. A gas is used to convey granules through the valve and the housing has a thickness such that the gas can have a pressure of at least 70 psi. A saddle is disposed in the interior cavity of the housing and is coupled to a rotatable shaft that passes through an opening in the housing. A chevron seal is disposed between the shaft and a sealing member. A compression member is threadably engaged with the sealing member and is operable to exert force on the chevron seal to expand the chevron seal against the shaft and/or the housing to prevent and/or repair leaks of gas therethrough.