Abstract: Example embodiments of systems, methods, and computer-accessible mediums for identity verification and transaction authentication are provided. An exemplary system can comprise an application, a user device, and a server. The application can prompt a removal of a card chip, prompt an insertion of the card chip into the user device, determine an orientation of the card chip after the insertion of the card chip into the user device, and transmit, to the card chip, a first message. The card chip can encrypt the first message via one or more authentication protocols to generate an encrypted first message, transmit, to the server, the encrypted first message. The server can decrypt the encrypted first message, verify the decrypted first message, and transmit a second message to the application, wherein the application is configured to display a verification notification in response to the second message.

Abstract: Systems and methods of executing a real-time electronic transaction by a real-time transaction system are disclosed. One method includes receiving, by an application programing interface (API) system, an electronic transaction request from a user. The API system may transmit the electronic transaction request to a choreographer system. The choreographer system may transmit a validation API call based on the electronic transaction request to an account system. The account system may determine whether an account associated with the electronic transaction request exists in the real-time transaction system. The choreographer system may transmit an authorization API call based on the electronic transaction request to an authorization system. The choreographer system may receive an authorization response from the authorization system.

Abstract: Payment authentication using OS-based (operating system-based) and issuer-based authenticator applications is provided. The described authenticator applications perform processes including managing a resource with information about registered users; receiving user identifiable information; authenticating a user using the user identifiable information and the information stored in the resource; upon authenticating the user using the user identifiable information and the information stored in the resource, generating a key tied to existing biometric authentication of the user and mapped to the user identifiable information; and communicating with a support server to provide the key and a notification of a potential transaction.

Abstract: A message tracking computing device for identifying anomalous activity in real-time is provided. The message tracking computing device is programmed to receive real-time transaction data including a plurality of transaction records. Each transaction record associated with a payment transaction. The message tracking computing device is also programmed to sort the plurality of transaction records into a plurality of channels. The message tracking computing device is further programmed to compute, for each channel, a normalized velocity score by computing a streaming mean, computing a streaming standard deviation, and computing the normalized velocity score based on the streaming mean, the streaming standard deviation, and a transaction ratio.

Abstract: Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to perform a plurality of operations. The operations may include receiving data relating to an activity of a user. The operations may also include identifying a merchant based at least on the received data. The operations may also include accessing historical fraud or disputes data associated with at least one of the user and the merchant. The operations may also include determining whether the received data triggers an alert. The operations may further include sending an alert message to a user device associated with the user when the processor determines that the received data triggers the alert.

Abstract: A computer system includes a processor programmed to process a first web page to identify a hyperlink contained thereon. The hyperlink includes a link to a second web page. The processor performs natural language processing on the first web page to determine one or more context word tokens and on the second web page to determine a context of the second web page. The processor also applies a context relevant tag to the hyperlink to generate a tagged hyperlink. The processor maps at least one of the context word tokens to the context relevant tag applied to the hyperlink and generates a transaction score for the tagged hyperlink.

Abstract: Transformation of inputs including beacon inputs, Global Positioning System (GPS) inputs, captured panorama inputs, user-penned descriptive inputs, and payment-amount-specifying inputs, via components, into outputs including user device POS configuration setting outputs and/or payment-gateway-directed authorization request outputs. Further, transformation of inputs including POS scanner inputs, POS keyboard inputs, and/or POS printer-directed inputs, via components, into outputs including compliance check outputs, tagged omnibus record outputs, SKU-UPC mapping outputs, and/or convergence/correlation outputs. Additionally, transformation of inputs including older limited-capability POS software image inputs and/or newer limited-capability POS software image inputs, via components, into outputs including update directive outputs.

Abstract: Some embodiments comprise integrating information from a social network into a multi-tenant database system. A plurality of information from the social network is retrieved, using a processor and a network interface of a server computer in the multi-tenant database system, wherein the plurality of information is associated with a message transmitted using the social network. Metadata related to the transmitted message is generated, using the processor. A conversation object is generated, using the processor, based on the plurality of information associated with the transmitted message and the metadata related to the transmitted message. The conversation object is then stored in an entity in the multi-tenant database system, using the processor of the server computer.

Abstract: Systems and methods for customizing business applications based upon user intent scores is described. A machine learning model trained to specifically predict when a user is likely to engage in a specific activity while interacting with the business application may be trained using data regarding prior interactions between a business application and a plurality of users. The machine learning model may thereafter provide a probability score for a particular user, the probability score indicating the likelihood that the user will engage in the specific activity for which the model has been trained to predict. The probability may be combined with a business value factor to produce a user intent score indicating the relative value of the user engaging in the specific activity.

Abstract: Contact center agents commonly have dissimilar levels of skill for a particular topic or ability. Often an expert is available to help lesser-skilled agents, but such experts may not always be available. Automated systems and methods are provided that allow for an agent-customer interaction to be monitored and, when a question is present, identify a best-matching knowledge unit to address the question. With the knowledge unit identified, a prior communication portion associated with the knowledge unit is then presented to the agent, such as via pop-up message, whisper voice message, etc., to allow the agent to have the benefit of the knowledge of the expert to answer the question without engaging the expert.

Abstract: A method may include receiving data from the plurality of databases for an applicant to be placed on one or more waiting lists with one or more requirements. A user profile associated with the waiting list may be created based on the received data, and may be received from the applicant. An applicant ranking on the one or more waiting lists may be determined based on a match between the user profile and the one or more requirements. At least one of a need or a desire of the applicant may be monitored based on periodic activity of the applicant on the one or more waiting lists. Periodic changes to the one or more requirements may be monitored. The applicant ranking may be updated on the one or more waiting lists, and the updated one or more waiting lists may be synchronized with the plurality of databases.

Abstract: A probe interface component for a probe that measures an environmental condition. The probe interface component may comprise a first interface configured to removably receive a probe, and a second interface configured to removably connect to an input interface of a mobile computer. The probe interface component may be configured to obtain a value from the probe based on the measurement of the environmental condition, and generate a signal representative of the value in a format compatible with the input interface of the mobile computer. The first interface, the second interface, and/or the input interface may comprise a wireless interface. The environmental condition may comprise a temperature, a humidity, a pressure, a water quality, a gas indication, a radiation level, an indication of contamination, and/or an appearance.

Abstract: Compliance with retail display regulations that retailers are subject to within a plurality of jurisdictions is managed. Retail display regulations may differ from jurisdiction to jurisdiction. To facilitate compliance, retail display regulations for a plurality of jurisdictions are centrally maintained. The regulations may then be used to dynamically generate retail display materials for locations across a plurality of jurisdictions with different regulatory schemes. The central storage and/or maintenance of the retail display regulations may facilitate compliance with disparate regulatory schemes that retailers are subject to based in part of retail location. Central storage of the retail display regulations may facilitate certification of compliance by regulating entities associated with the jurisdictions.

Abstract: Various systems and methods that may relate to referral and/or delivery services are described. Some embodiments may include incentivizing groups to meet goals. Various other embodiments are described.

Abstract: Techniques are disclosed relating to assessing technology activity using image-based machine learning algorithms. A computer system may access a data set that includes a plurality of parameters (e.g., technologies) for an item (e.g., a web-based interface). The plurality of parameters may correspond to a plurality of time intervals. The computer system may generate a two-dimensional graphical representation of the data set. A first dimension of the graphical representation may be indicative of values of the plurality of parameters at different time intervals and a second dimension of the graphical representation may be indicative of a time period that includes the plurality of time intervals. At least one characteristic of the data set may be determined by inputting the graphical representation of the data set to a trained machine learning module. The trained machine learning module may implement an image-based learning algorithm.

Abstract: Systems and techniques may be used for providing information related to an underperforming product. An example technique may include determining, for products in a particular zone of a website, an underperforming product based on pageviews or interaction metrics of users visiting the website. The technique may include identifying a product type of the underperforming product, and outputting a recommendation for display. The recommendation may include at least one replacement product of the product type, other than the underperforming product, to replace the underperforming product in the particular zone.

Abstract: Disclosed are systems, methods, and non-transitory computer-readable media for a geographic recommendation platform. The geographic recommendation platform receives data identifying a geographic region specified by a user and gathers data relating to the geographic region. The geographic recommendation platform determines, based on the data relating to the geographic region, an anticipated demand for an item within geographic region. The anticipated demand indicates how likely the item is to be purchased by a user that is located within the geographic region. The geographic recommendation platform generates a recommendation for the item based on the anticipated demand. The recommendation indicates the anticipated demand for the item within the geographic region. The geographic recommendation platform transmits the recommendation to the user.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for training and applying a machine learning model. One of the methods includes the actions of obtaining a plurality of data points associated with a parcel of real property; using a machine learning model to generate a prediction from the obtained plurality of data points, the prediction indicating a likelihood that the real property will satisfy a particular parameter, wherein the machine learning model is trained using a training set comprising a collection of data points associated with a labeled set of real property parcels distinct from the specified parcel of real property, the label indicating the particular parameter and corresponding value for each real property parcel of the training set; and based on the prediction, classifying the specified parcel of real property according to a determination of whether the predicted value of the parameter satisfies a threshold.

Abstract: A computer system for performing automated market research using an electronic survey is provided herein. The computer system includes a communications subsystem for receiving survey content data. The communications subsystem also receives survey response data from at least one respondent device. The computer system includes a memory for storing the survey content data and the survey response data. The computer system includes a processor configured to execute a survey programming application. The survey programming application includes a survey design application for creating a survey program from the survey content data. The survey program provisions the electronic survey to respondents via the at least one respondent device and collects the survey response data from the respondents. The survey programming application also includes at least one survey program quality assurance tool.

Abstract: Video features encourage and ensure that survey videos are viewed in full. The survey answer block and video rewind, forward fast and mute are disabled during the video presentation. With the user's permission, telephone calls, text messaging and browsing may also be disabled during the video. Interactive responses may be required at various points in the video to ensure that the viewer is paying attention. The viewer's image may be recorded or eye gaze may be tracked while viewing the video. Candidates may be qualified for viewing videos and selected in a priority order by meeting certain demographic conditions, having certain topics of interest identified in their social media profiles, agreeing to post-video direct contact, and having participated in prior video surveys. Potential candidates may be qualified by answering qualifying questions, viewing a teaser video, or responding to a prompt asking them to opt-in to the video survey.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for testing a plurality of variants among a plurality of users. One of the methods includes: determining a spatial granularity to divide an area into a plurality of grid cells; randomly splitting the plurality of grid cells into a plurality of testing groups, wherein a quantity of the plurality of testing groups is determined based on a quantity of the multiple versions of the feature to be tested; determining a temporal granularity to divide a testing period into a plurality of testing intervals; during each of the plurality of testing intervals, respectively assigning the multiple versions of the feature to the plurality of testing groups; and obtaining a treatment effect for each of the multiple versions of the feature and determining an optimal version of the feature.

Abstract: Systems and methods are provided for identifying and communicating with a user through the user's mobile device. One example method includes receiving, from the mobile device, a user identifier associated with the user and an entity identifier associated with an entity location, the entity identifier being obtained by the mobile device from a wireless transmitter located adjacent to an entrance of the entity location; retrieving user profile data associated with the user identifier from a user database, the user profile data including a user qualifier; providing the user profile data to a display device at the entity location, the display device configured to display the user profile data, including the user qualifier; and sending at least one notification to the mobile device for display thereon, the at least one notification comprising at least one of information related to the entity location and a portion of the user profile data.

Abstract: Systems, methods, and apparatuses for encouraging engagement with a rewards system are described herein. A customer associated with a customer device holds a rewards account with a provider associated with a provider computing system. The provider computing system receives rewards and payment card activity of the customer, analyzes the rewards and payment card activity, and generates a rewards engagement rating, which the provider uses to generate and transmit tailored rewards engagement messages to the customer device. The messages provide rewards earn and burn opportunities in which the customer can select to participate.

Abstract: Systems and methods are provided to process payments for subscribership within a membership platform. Exemplary implementations may: obtain benefit information for content creators of a membership platform; obtain payment processor information characterizing payment processing entities; obtain transaction information characterizing requested transactions between the content creators and the subscribers; determine which of the payment processing entities should process the requested transactions; execute the requested transactions using the payment processing entities; and/or perform other operations.

Abstract: A method and digital signage player for managing display of a distributed digital signage content. The digital signage player stores the distributed digital signage content, and a local placement target for the distributed digital signage content. The digital signage player displays the distributed digital signage content in accordance with the local placement target. The digital signage player exchanges messages with a neighbor digital signage player, for increasing the local placement target of the distributed digital signage content at the request of the neighbor digital signage player. The neighbor digital signage player also displays the distributed digital signage content in accordance with its own placement target, which needs to be decreased. The digital signage player ultimately increases the local placement target of the distributed digital signage content based on the messages exchanged with the neighbor digital signage player.

Abstract: Automated methods are provided for identifying when a first advertisement (ad) is a likely match of either a second ad, or one or more variants of the second ad. The first ad, the second ad, and the one or more variants of the second ad each include a plurality of sequential segments of a predefined time length, wherein the second ad and the one or more variants of the second ad are each reference ads, and the first ad is a sample ad. Vectors of segment hits are created for the various ads and are compared to each other to identify matches that represent such variants.

Abstract: Technologies for attributing purchases to a targeted marketing campaign include associating a captured payment card number and a captured cardholder identifier with a globally unique identifier. Additional payment card numbers related to the captured payment card number are associated with the globally unique identifier. A cardholder-specific marketing message associated with a targeted marketing campaign is transmitted to the captured cardholder identifier based on the globally unique identifier. The targeted marketing campaign is for an advertised product, which corresponds to a product identifier. A purchase transaction is attributed to the targeted marketing campaign in response to determining that a payment card number associated with the purchase transaction matches any of the payment card numbers associated with the globally unique identifier and determining that a product identifier corresponding to a purchased product of the purchase transaction is associated with the targeted marketing campaign.

Abstract: A computer-implemented method is provided for identifying potential individuals to contact in a campaign of interest. The method includes receiving campaign data including description about the campaign of interest and information about the potential individuals to contact for the campaign of interest and selecting a plurality of trained machine learning models from a library of trained machine learning models based on the campaign data. The library of trained machine learning models is created from data of historical campaigns administered, and each of the selected plurality of trained models corresponds to a historical campaign that is within a similarity threshold from the campaign of interest. The method also includes scoring a pool of existing customers using the select plurality of trained machine learning models and identifying the potential individuals to contact in the campaign of interest by ranking the existing customers by their corresponding propensity scores.

Abstract: Methods are disclosed for providing an ad-supported mobile data plan, where ad display may be tied to data usage levels and user input. A method includes receiving, using at least one processor, user interaction with advertisement content displayed on a device; retrieving, using the at least one processor, a data usage limit associated with the device; and causing a change in the data usage limit based on the user interaction with the advertisement content displayed on the device.

Abstract: A system and method of advertising based on the automatic determination of an advertising recipient's location and inferences of preferences derived from usage behaviors is disclosed. The advertising recipient's location that is considered in delivering a specific advertisement may be the current location or one or more historical locations. Proximity considerations with regard to other people, locations, or physical objects may influence the advertisement that is to be delivered. The advertisement may be delivered to a mobile device that has location-aware capabilities such as a Global Positioning System-based system.

Abstract: Systems, apparatuses, and methods are provided for determining a bid value for placing an advertisement onto advertising space available through an electronic marketplace. A method is used for calculating the option value of maintaining the advertisement in the advertising space during one or more periods of time. The option value may be based on expected profits and the estimated future value of maintaining the advertisement. The option value may then be used to calculate the bid price for placing the advertisement.

Abstract: A content compliance system uses machine learning to generate objective verification that content complies with brand criteria. The content compliance system may force the company to select specific brand criteria listed on a user interface. The selected brand criteria are then readily displayed to the creative agency. The content compliance system then compares the selected brand criteria with content generated by the creative agency. The content compliance system uses machine learning algorithms to generate a compliance score that provides a real-time objective indication of the compliance of the creative content with the selected brand criteria. The creative agency can then modify the creative content and receive a real-time updated compliance score.

Abstract: A first processor-accessible memory device system and a second processor-accessible memory device system of a self-regulating transaction system may each store a respective local copy of one or more transaction ledgers that record transactions. A first data processing device system may be configured to generate a transaction information block associated with a particular market channel, store it in the local copy of a transaction ledger associated with the particular market channel stored in the first processor-accessible memory device system, and transmit it to a second data processing device system over a communications network for storage in the local copy of the transaction ledger associated with the particular market channel stored in the second processor-accessible memory device system.

Abstract: A method for controlling a charge transfer of an electric vehicle using an electric vehicle charging station, a mobile device, and a cloud server is disclosed. The method includes: receiving, at a mobile device, a message for an electric vehicle of a user from the electric vehicle charging station, wherein a user of the mobile device is associated with the electric vehicle to be charged; sending, from the mobile device, the message for the electric vehicle of the user to the cloud server, wherein the charge transfer request relayed from the mobile device includes identification information; in response to a charging control signal being authorized using identification information received from the mobile device, receiving the charging control signal from the cloud server at the mobile device to be forwarded to the electric vehicle charging station, wherein the charging control signal is configured to adjust a charging parameter at the electric vehicle charging station.

Abstract: A method is disclosed for controlling a charge transfer of an electric vehicle using an electric vehicle charging station, a mobile device, and a cloud server. The method includes receiving, at a mobile device, a message for an electric vehicle of a user from the electric vehicle charging station, wherein a user of the mobile device is associated with the electric vehicle to be charged. The method also includes receiving the charging control signal from the cloud server via the mobile device at the electric vehicle charging station in response to authorizing a charging control signal using identification information and credit account information received from the mobile device, wherein the charging control signal is configured to adjust a parameter used to draw electric power from the electric vehicle charging station.

Abstract: A method is disclosed for controlling a charge transfer of an electric vehicle using an electric vehicle charging station, a mobile device, and a cloud server. The method includes receiving, at a mobile device, a message for an electric vehicle of a user directly from the electric vehicle charging station, wherein a user of the mobile device is associated with the electric vehicle to be charged. The method also includes receiving the charging control signal from the cloud server via the mobile device at the electric vehicle charging station in response to authorizing a charging control signal using identification information and credit account information received from the mobile device, wherein the charging control signal is configured to adjust a parameter used to draw electric power from the electric vehicle charging station.

Abstract: A method for determining an availability of an electric vehicle charging station is disclosed. The method includes: obtaining a distance between a mobile device and the electric vehicle charging station using a first geolocation information and a second geolocation information; based on the determined distance, determining an availability of the electric vehicle charging station; and sending a message to a user regarding the determined availability of the electric vehicle charging station.

Abstract: A computer-implemented method and system for streamlining interactions between a customer and a customer service representative of a company. An interaction is commenced between the customer and the customer service representative during which historical data is accessed related to the customer stored in a company controlled computer system responsive to the interaction. The historical data preferably relates to at least one product or service provided by the company to the customer. At least a part of the historical information is displayed to the customer service representative. On the display, a first tab is generated related to the historical data as is a second tab relating to a quote for a new product or service for offering to the customer. The customer service representative is thereafter enabled to switch between displaying the historical data and the quote by selecting the first or second tab, respectively, without having to save the quote.

Abstract: Methods, devices, systems and computer readable media can be configured to facilitate receipt of a unique product identifier. The unique product identifier can correspond to a customized product. In one embodiment, an account identifier is received. The account identifier may correspond to an online account of a consumer purchasing the customized product. In an embodiment, an object associated with the online account is determined. The object may represent a portion of a building. In an embodiment, the object is associated with the customized product.

Abstract: The embodiments disclose an apparatus including a system and method for displaying wheel styles and artwork on vehicles to allow customers to make an informed purchasing decision at the dealer location regarding different wheel styles or paint colors and paint pattern artwork choices to purchase for their vehicle. This system and method enables a sales person to show a customer a variety of wheel styles, tires, paint colors, paint patterns and various decorations, such as pinstriping, will look on the customers actual vehicle by holograph or conventional projection of the products displayed on the vehicle. Purchasers can also use a smartphone mobile application to superimpose products onto a photo of their vehicle on a smartphone display screen or view images in combination with a smartphone projector or virtual reality headset 3D viewer and their smartphone to get a complete 3D view of the product choices that the user can make for their vehicle.

Abstract: A method and apparatus for selling and servicing cars using a network of existing owners of the car and a network of existing independent car service centers and a distributed linked computer communication system.

Abstract: A prediction model in a database system may be configured to predict, for a given object instance, a respective probability of acceptance for each of a plurality of recommendations. A determination may be made as to whether the prediction model is associated with sufficient training data to produce predictions at a designated accuracy rate. When it is determined that the prediction model is not associated with sufficient training data, for each of a first set of object instances a respective first message may be sent that includes a respective first one of the recommendations determined based on a static ranking rule applying one or more criteria to one or more object fields associated with the respective object instance. The prediction model may be updated to include additional training data based on a plurality of responses corresponding to a respective first one of the recommendations.

Abstract: Transaction items for a transaction are received during a transaction. Any non-barcoded items are identified and processed within a retailer-specific vector space to identify a most-similar barcoded item offered by a corresponding retailer to the non-barcoded item. The transaction items are revised to include the most-similar barcoded item as a replacement for the non-barcoded item. The revised transaction item list is used to identify a recommended item based on a segment-specific vector space associated with a segment assigned to the transaction. The recommended item is provided in real time to a transaction service that processes the transaction for delivery to a customer associated with the transaction.

Abstract: In some examples, a service computing device receives an indication that a buyer associated with a buyer profile has selected a first item to purchase from a first merchant site. The service computing device associates information related to the first item with a persistent virtual cart associated with the buyer profile. The service computing device receives an indication that the buyer has selected a second item to purchase from the second merchant site. The service computing device associates information related to the second item with the buyer profile. The service computing device receives, from a buyer device, an indication of intention to purchase the items in the persistent virtual cart. Consequently, the service computing device may send an order for the first item to a computing device associated with the first merchant and an order for the second item to a computing device associated with the second merchant.

Abstract: Systems, methods, and processor-readable storage media for processing merchandise shipping are provided to ensure that a supplier fulfills a purchase order in a manner that will keep a supply chain filled with the product based on a demand. For example, when a purchase order is generated, a timer can be activated. Within a predetermined period, the supplier can confirm fulfilment of purchase order through an online platform. Based on this confirmation and historical data collected for the supplier, a shipping location and other shipping parameters can be predicted by the online platform. If the timer is expired and no supplier's confirmation is received or if the supplier denies confirming the fulfilment of purchase order, a default operation is initiated. The default operation may cause canceling of purchase order or communicating to the supplier to resolve any issues.

Abstract: A method for automatically populating an ecommerce cart is disclosed. The method includes receiving a request to add a product item to a shopping cart of an ecommerce shopping environment. The method includes adding the product item to the shopping cart. The method includes updating, responsive to adding the product item, a shopping cart status. The method includes determining a failure of the shopping cart status to satisfy a purchasing criteria associated with the ecommerce shopping environment. The method includes selecting, responsive to determining the failure, an additional product item based on information associated with an user account. The method includes adding the additional product item to the shopping cart.

Abstract: A method includes conveying a cryptocurrency transaction to a peer-to-peer network, wherein said cryptocurrency transaction having encoded therein an email address and to convey goods or services embodied in an electronic form to the email address in response to receipt of said cryptocurrency transaction on said peer-to-peer network. The conveying of goods or services includes transmitting over the Internet in conformance with an email protocol. The goods or services includes event admission tickets, music recordings, video, text, game content, live event broadcast, software, encryption keys or passwords.

Abstract: A system is provided for use in managing waste services performed by a service vehicle. The system may include a sensor configured to capture during completion of a waste service activity an image of waste set out for retrieval by the service vehicle, a portal, and a processor in communication with the sensor and the portal. The processor may be configured to execute instructions stored in memory to receive from a consumer via the portal at least one of a picture and a description of a desired item, to recognize an object in the image captured by the sensor, to make a determination regarding matching of the object with the desired item, and to selectively cause a notification to be displayed on the portal based on the determination.

Abstract: Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform: training a visual similarity model; determining one or more nearest neighbors for an item using the visual similarity model, as trained; ranking the one or more nearest neighbors using results of the visual similarity model, as trained; re-ranking the one or more nearest neighbors using a learning-to-rank algorithm; and facilitating altering a graphical user interface (GUI) displaying the item based upon the one or more nearest neighbors, as re-ranked. Other embodiments are disclosed herein.

Abstract: Systems, methods, and computer-readable storage media for creating an open loop prepaid gift account. The system identifies a request to purchase an open loop prepaid gift account which can be used to make a purchase at a merchant, presents a menu from which a customer can select the merchant, and receives a selection. Based on the selection, the system presents an option to load funds onto the open loop prepaid gift account and, upon receipt of payment, creates the open loop prepaid gift account and loads the open loop prepaid gift account with money, wherein information associated with the open loop prepaid gift account is encoded onto a physical card, and wherein merchant information is printed on the physical card according to an authorization from the merchant, the merchant information including at least one of a legal name, a trade name, a logotype, and a marketing tagline of the merchant.