Systems, methods, and devices for selling transaction instruments via web-based tool

A non-transitory, computer-readable storage medium storing program instructions executable by one or more processors to cause a computer system to:

• receive, from a computing device, via a web page, a request to fund an open transaction account in association with purchase of an open transaction instrument by a consumer at a point of sale device associated with the computing device, wherein the request includes a payment amount, wherein the open transaction instrument is associated with the open transaction account;
• receive information identifying the open transaction instrument purchased by the consumer;
• use the information identifying the open transaction instrument to access a database to verify that the open transaction instrument is eligible to be funded;
• store, in the database, physical tracking information for the open transaction instrument, wherein the physical tracking information is accessible in the database using the information identifying the open transaction instrument, and wherein the physical tracking information is usable to determine a physical location of one or more other open transaction instruments;
• process the request, wherein said processing includes determining a funded amount based on the payment amount;
• fund the open transaction account with the funded amount;
• and
• transmit to the computing device an authorization message indicating that the open transaction account was funded with the funded amount and specifying authorization to distribute the open transaction instrument to the consumer.

A system comprising:

• one or more processors;
• and
• memory storing program instructions, wherein the program instructions are executable by the one or more processors to:
• receive, from a computing device, via a web page, a request to fund an open transaction account in association with purchase of an open transaction instrument by a consumer at a point of sale device associated with the computing device, wherein the request includes a payment amount, wherein the open transaction instrument is associated with the open transaction account;
• receive information identifying the open transaction instrument purchased by the consumer;
• use the information identifying the open transaction instrument to access a database to verify that the open transaction instrument is eligible to be funded;
• store, in the database, physical tracking information for the open transaction instrument, wherein the physical tracking information is accessible in the database using the information identifying the open transaction instrument, and wherein the physical tracking information is usable to determine a physical location of one or more other open transaction instruments;
• process the request, wherein said processing includes determining a funded amount based on the payment amount;
• fund the open transaction account with the funded amount;
• and
• transmit to the computing device an authorization message indicating that the open transaction account was funded with the funded amount and specifying authorization to distribute the open transaction instrument to the consumer.