Systems and Methods for Managing Pre-Paid Transactions

A method for managing pre-paid transactions, the method comprising:

• receiving one or more offers from a plurality of vendors, each of the offers associated with a minimum deposit amount and a respective bonus, the one or more offers comprising a first offer from a first vendor in the plurality of vendors, the first offer associated with a first bonus;
• receiving a consumer selection of the first offer from the first vendor in the plurality of vendors;
• receiving a deposit of funds for the first vendor from a consumer;
• determining whether the deposit of funds meets or exceeds the minimum deposit amount for the first offer from the first vendor;
• and
• in response to determining that the deposit of funds meets or exceeds the minimum deposit amount for the first offer from the first vendor, crediting a vendor account balance, associated with the first vendor, in a consumer account with at least one of the deposit of funds or the first bonus, the deposit of funds and the first bonus spendable at the first vendor.

A pre-paid transaction manager comprising:

• a vendor module comprising a plurality of vendor accounts for a plurality of vendors, each of the plurality of vendors having at least one of the plurality of vendor accounts, the vendor module to receive a plurality of offers from the plurality of vendors, each of the plurality of offers associated with respective offer settings;
• a consumer module comprising a plurality of consumer accounts for a plurality of consumers, the consumer module to present one or more offers from a first vendor in the plurality of vendors to a consumer when the consumer selects the first vendor;
• and
• an offer qualification engine to determine whether a deposit of funds received from the consumer qualifies consumer for an offer from the first vendor using the respective offer settings of the offer, the pre-paid transaction manager to credit a consumer account for the consumer with the deposit of funds and a bonus associated with the offer if the offer qualification engine determines that the deposit of funds received from the consumer qualifies the consumer for the offer from the first vendor.