Systems for providing and processing pre-authorized customizable gift tokens

A method for providing an electronically-conveyed financial gift, comprising:

• receiving, by a gift application server and from a first computing device, a gift token creation request comprising data representative of:
• a selection of a gift recipient;
• and
• gift limitations comprising a maximum gift amount and one or more redemption merchants;
• generating, by the gift application server and based on the gift token creation request, a tokenized primary account number (PAN) associated with a gift account, the gift account being a financial account associated with a user of the first computing device;
• receiving, by the gift application server and from the first computing device, a lock request to generate an electronic lock;
• generating, by the gift application server and based on the lock request, the electronic lock and a lock solution, wherein the electronic lock comprises an electronic lock prompt, wherein the electronic lock prompt comprises a clue and an electronic lock interface, wherein the electronic lock interface comprises one or more fields that are configured to receive user input;
• transmitting, by a web server and to the second computing device associated with the gift recipient, the tokenized PAN, data representative of the gift limitations, and the electronic lock;
• detecting, by a transaction server and based on monitoring of transaction authorization data originating from a plurality of merchant POS devices, a transaction authorization request that is representative of an attempted transaction at a merchant POS device, the transaction authorization request comprising data representative of:
• an attempted tokenized PAN;
• an attempted transaction amount;
• and
• a merchant code;
• determining, by the transaction server, that the attempted tokenized PAN matches the tokenized PAN associated with the gift account;
• receiving, by the gift application server and from the second computing device via the electronic lock interface, an attempted lock solution;
• determining whether the attempted lock solution matches the lock solution;
• and
• responsive to determining that the attempted lock solution matches the lock solution and determining that the transaction authorization request satisfies the gift limitations, transmitting, by the transaction server, an authorization message to the merchant POS device, wherein the authorization message represents an authorization of the attempted purchase;
• responsive to determining that the attempted lock solution does not match the lock solution, transmit, via the gift application server, a failed attempt notification to the first computing device, wherein the failed attempt notification comprises the attempted lock solution;
• and
• receiving, by the gift application server and from the first computing device, a remote unlock instruction allowing the transmission of the authorization message to the merchant POS device despite a failed unlock attempt.