Abstract: A method for initiating a virtual currency exchange includes a merchant computing device a) receiving a message including a user account identifier, payment credential data, and a request for an amount of virtual currency to be delivered; b) transmitting a message delivering the requested amount of virtual currency; and c) receiving a user assignment message that assigns to the merchant an amount of assigned virtual currency from the delivered virtual currency. Steps a, b, and c are performed while the merchant computing device is in a first physical location. The method also includes, subsequent to steps a, b, and c, connecting to a payment network while the merchant computing device is at a second physical location and transmitting, to a virtual currency payment system via the payment network, an assignment completion message including the user account identifier, a merchant account identifier associated with the merchant, and the assigned virtual currency.

Abstract: A method for initiating a virtual currency exchange includes a merchant computing device a) receiving a message including a user account identifier, payment credential data, and a request for an amount of virtual currency to be delivered; b) transmitting a message delivering the requested amount of virtual currency; and c) receiving a user assignment message that assigns to the merchant an amount of assigned virtual currency from the delivered virtual currency. Steps a, b, and c are performed while the merchant computing device is in a first physical location. The method also includes, subsequent to steps a, b, and c, connecting to a payment network while the merchant computing device is at a second physical location and transmitting, to a virtual currency payment system via the payment network, an assignment completion message including the user account identifier, a merchant account identifier associated with the merchant, and the assigned virtual currency.

Abstract: A mobile event payment (MEP) computing system used for exchanging virtual currency between a user and a merchant at a mobile event is provided. The MEP computing system includes a MEP computing device including a processor communicatively coupled to a memory device and in communication with at least a user device. The processor is programmed to store a user profile and a merchant profile for exchanging virtual currency, to receive a virtual currency delivery message, and to transmit a virtual currency delivery message to the user mobile device. The processor is programmed to receive a virtual currency payment message including an account identifier associated with the merchant, to electronically deduct the amount of virtual currency from the updated amount of virtual currency of user account, and to electronically add the paid virtual currency to the virtual currency of the account associated with the merchant profile.

Abstract: A geofence computing device, in communication with a user device and a payment processor, includes a memory and a processor in communication with the memory. The geofence computing device processor is configured to receive, from the user device, geofence data including a first user defined geofence zone having a first geographic area within a first geographic boundary, store the geofence data within the memory, receive, from the payment processor, from authorization request message transaction data representing a payment transaction initiated with a merchant by a cardholder associated with the payment processor, determine a geographic location of the merchant and a residence of the cardholder, compare the merchant geographic location and the cardholder residence geographic location to the first user defined geofence zone, and alert the user of the payment transaction based on the comparison. The transaction data includes at least one of a merchant location and a merchant identifier.

Abstract: In one aspect, a task management computing device is provided, including a processor in communication a memory and a database. The task management computing device is configured to receive a task request including a task description and a virtual point value, and store a task record in the database based on the task request. The task management computing device is further configured to receive a task update indicating the task has been completed, and update a household member profile stored in the database based on the task update including increasing a virtual point balance. The task management computing device is also configured to update the associated task record based on the task update, and store the updated household member profile and the updated task record in the database.

Abstract: In one aspect, a task management computing device is provided, including a processor in communication a memory and a database. The task management computing device is configured to receive a task request including a task description and a virtual point value, and store a task record in the database based on the task request. The task management computing device is further configured to receive a task update indicating the task has been completed, and update a household member profile stored in the database based on the task update including increasing a virtual point balance. The task management computing device is also configured to update the associated task record based on the task update, and store the updated household member profile and the updated task record in the database.

Abstract: A method for providing real-time navigational guidance includes: storing merchant profiles, each including a merchant identifier, geographic location, and wait time; storing product profiles, each including a product identifier and participating merchant identifiers; receiving a product list from a computing device, the list including a plurality of product identifiers; identifying, for each of the plurality of product identifiers, a corresponding product profile that includes the respective product identifier; identifying, for each of the plurality of product identifiers, a participating merchant profile that includes a merchant identifier included in the corresponding product profile; generating a navigational guidance plan for purchase of each product indicated in the product list including stops at merchants related to identified participating merchant profiles based on the geographic location and wait time included in the participating merchant profiles; and transmitting the navigational guidance plan to

Abstract: A system and computer-implemented method for protecting against fraud by authenticating communications and communicative devices in real time and prior to accepting instructions or otherwise substantively engaging via the devices. A software app on the mobile phone of a cardholder creates a token, which is also provided to a card issuer. Historical authentication information is collected about the mobile phone and an associated cardholder. An authentication request, including the token, is received from the card issuer when communication is initiated by the mobile device. Current authentication information is also collected. The historical and current authentication information is analyzed, an authentication result is generated reflecting a likelihood that the mobile phone is being legitimately used by the cardholder associated with it, and the authentication result is communicated to the card issuer.

Abstract: A mobile event payment (MEP) computing system used for exchanging virtual currency between a user and a merchant at a mobile event is provided. The MEP computing system includes a MEP computing device including a processor communicatively coupled to a memory device and in communication with at least a user device. The processor is programmed to store a user profile and a merchant profile for exchanging virtual currency, to receive a virtual currency delivery message, and to transmit a virtual currency delivery message to the user mobile device. The processor is programmed to receive a virtual currency payment message including an account identifier associated with the merchant, to electronically deduct the amount of virtual currency from the updated amount of virtual currency of user account, and to electronically add the paid virtual currency to the virtual currency of the account associated with the merchant profile.