Systems, methods, and computer-readable media for dynamically generated gift cards

A method of processing real-time merchant information retrieved from an external search service to dynamically generate a gift card configuration, the method comprising:

• receiving, from a first client device of a first user, a search for one or more merchants;
• responsive to receiving the search, retrieving, from the external search service via an application programming interface associated with the external search service, merchant information for the one or more merchants,
• wherein the merchant information is retrieved, in real time, from the external search service upon receipt of the search from the first client device such that a stock-keeping unit of the gift card configuration associated with the one or more merchants is undefined prior to retrieval of the merchant information;
• analyzing the merchant information to determine a merchant category code;
• causing a restriction of the gift card configuration to the merchant category code associated with the merchant information;
• automatically generating a communication comprising an affordance, wherein the affordance is actuatable to receive an acceptance of the gift card configuration from a second user;
• automatically populating, to a messaging application on the first client device of the first user, the communication,
• wherein the communication is editable by the first user via the messaging application,
• wherein the communication is received by a second client device associated with the second user from a phone number associated with the first client device;
• responsive to an actuation of the affordance via the second client device, initiating a verification that the second user is an intended recipient, the verification including at least one of two-factor authentication or a one-time password;
• and
• responsive to verifying the second user is the intended recipient, transmitting an issuance instruction to a financial institution to issue a gift card corresponding to the gift card configuration such that the gift card contains the restriction to the merchant category code,
• wherein the gift card is prevented from being issued prior to the verification.

A system for processing real-time merchant information retrieved from an external search service to dynamically generate a gift card configuration, the system comprising:

• a graphical user interface for receiving a search from a first user;
• an application programming interface configured to query one or more external search services based on the search;
• and
• one or more non-transitory computer-readable media comprising computer-executable instructions that, when executed by at least one processor, cause the system to carry out actions, comprising:
• receiving, from a first client device of the first user, the search for one or more merchants;
• responsive to receiving the search, retrieving, from the one or more external search services via the application programming interface associated with the one or more external search services, merchant information for the one or more merchants,
• wherein the merchant information is retrieved, in real time, from the external search service upon receipt of the search from the first client device such that a stock-keeping unit of the gift card configuration associated with the one or more merchants is undefined prior to retrieval of the merchant information;
• analyzing the merchant information to determine a merchant category code;
• causing a restriction of the gift card configuration to the merchant category code associated with the merchant information;
• automatically generating a communication comprising an affordance, wherein the affordance is actuatable to receive an acceptance of the gift card configuration from a second user;
• automatically populating, to a messaging application on the first client device of the first user, the communication,
• wherein the communication is editable by the first user via the messaging application,
• wherein the communication is received by a second client device associated with the second user from a phone number associated with the first client device;
• responsive to an actuation of the affordance via the second client device, initiating a verification that the second user is an intended recipient, the verification including at least one of two-factor authentication or a one-time password;
• and
• responsive to verifying the second user is the intended recipient, transmitting an issuance instruction to a financial institution to issue a gift card corresponding to the gift card configuration such that the gift card contains the restriction to the merchant category code,
• wherein the gift card is prevented from being issued prior to the verification.