Giftcodes.com, LLC

Giftya LLC

Blackhawk Network, Inc.

Giftcards.com, LLC

Other

Jason Wolfe

Thomas M Isaacson

Ryan Connell Durham

Patrick Ledbetter

Adam Ludwig

Mary Jane Kelly

Mark Romanelli

Sanjay Akut

Mike Kelly

Shawn D Allen

Lewis C Amicone, Iii

A system transfers money to a recipient's payment card account, without requiring an additional payment card or a recipient's payment card or account information. A recipient registers a payment account with a service provider. A system receives an identification, generated from an entity such as a business or a person, of the recipient and information associated with an electronic notice to be transmitted to a device associated with the recipient. The system transmits the notice to the device, the notice being associated with the recipient payment account and being transmitted prior to the recipient buying product or service associated with the notice using the recipient payment account. The system receives an indication of a purchase associated with the notice and completed using the recipient payment account and applies the gift credit.

System and method for managing gift credits for corporate benefits and offers

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.

System and method for localized prepaid gift account program utilizing open loop network systems with local merchant approval and branding

Disclosed are systems and methods for processing gift transactions. An example method includes receiving an identification of a first merchant from a giver at a first time, wherein a gift from the giver to a recipient is redeemable at the first merchant. The method can include generating a policy comprising the first merchant. The policy can be at least in part giver-defined and linked to the recipient payment account. The method can then include transmitting an electronic notice to a recipient device, receiving a selection from the recipient of a second merchant at which to redeem the gift from the giver, updating the policy to apply to the second merchant selected by the recipient to yield an updated policy and, upon receiving an indication of a triggering event caused by use of the recipient payment account as defined by the updated policy, applying an amount of money to the gift.

System and method for managing gifts

Technologies for unwrappable virtual egifts enabling recipients to redeem gift credits using payment accounts. In some examples, a system identifies a merchant associated with a giver, the giver being associated with a giver payment account and a recipient being associated with a recipient payment account. The system associates a policy with the gift credit and generates an image underlay identifying the gift credit and an image overlay hiding the image underlay and gift credit, the image overlay including a separable flap having a portion that appears unadhered to the image underlay, the separable flap being configured to trigger, in response to an input, an animated unwrapping effect that removes the image overlay to reveal the image underlay and gift credit. The system presents the image overlay and, in response to receiving the input, generates the animated unwrapping effect to remove the image overlay and reveal the image underlay.

Technologies for generating and displaying virtual and interactive egifts

Disclosed herein are systems, methods, and non-transitory computer-readable storage media for processing gift transactions, related to enabling a recipient to choose a mode of redeeming the gift credit. A method can include receiving an identification, from a giver of a credit, of a recipient and a spending category associated with a notice, transmitting the notice to a device associated with the recipient, receiving a selection from the recipient regarding a payment mode to be used to redeem the credit from the giver by making a purchase according to the spending category, linking the payment mode to a policy associated with redeeming the credit, monitoring purchases using the payment mode of the recipient for a qualified purchase according to the spending category, receiving an indication that the qualified purchase was made using the payment mode and, based on the indication of the qualified purchase, applying the credit to the recipient.

System and method for enabling a user to choose how to redeem a gift credit

Disclosed herein are systems, methods, and non-transitory computer-readable storage media for processing a gift involving separate transactions. A system configured to practice the method first associates a policy with a giver having a giver account and a recipient having a recipient account, wherein the giver account is independent of the recipient account, and wherein the policy requires at least two transactions prior to applying a gift amount. Then the system monitors transactions using the recipient account to identify at least two separate qualifying transactions according to the policy. Upon identifying the at least two separate qualifying transactions, the system applies the gift amount to the recipient account according to the policy.

System and method for processing a gift involving separate transactions

Disclosed herein are systems, methods, and non-transitory computer-readable storage media for processing gift transactions, related to retaining a social and gratitude-based experience surrounding giving and receiving gifts, monitoring gift recipients on-premises at merchants and providing gift-related notifications, and managing funds in a gift that the recipient does not redeem. A system configured to practice a first method receives an object associated with a gift, receives a tag associated with the object, and transmits the object to the giver. A system configured to practice a second example method uses face identification at the merchant to identify a recipient of a gift. The system can transmit a reminder to the recipient regarding the gift. In a third example method, the system creates a gift and notifies the recipient of the gift. If the recipient never redeems the gift, then the giver is not charged for the gift and no transaction occurs.

Disclosed herein is a method for enabling gift card recipients to redeem gift card amounts using existing payment accounts. A system identifies a giver and recipient of a gift card amount and associated accounts. A policy is established which governs how the gift card is redeemed, such as a specific merchant or item. When a purchase is made using an existing credit/debit card according to the policy, the system intercepts the purchase and causes the gift card amount to be applied from an account other than the recipient account. No special codes, separate physical gift cards, or printable coupons are necessary for redemption. The recipient makes purchases using their normal purchasing credit/debit card via a qualifying purchase according to the policy, and the gift card is applied automatically. The recipient credit/debit card becomes a combination of an open-looped card and a closed-loop card. Thus, no money is wasted or lost.

System and method for processing gift cards by intercepting a purchasing transaction

Disclosed herein are systems, methods, and non-transitory computer-readable storage media for enabling gift interactions via social media. For example, a user can post to a social networking site in a particular way to establish a gift transfer to a recipient based on a policy, such that when the recipient makes a purchase using their pre-existing payment account, the gift (an amount of money) is transferred or applied to the recipient payment account. A particular structure or feature of a social network post can trigger the creation of the policy, with metadata or information parsed from the social network post providing additional details of the policy. In this way, a user can set up a gift transfer without interacting with a gift portal, application, or website. The recipient does not need to use any special code, separate physical gift cards, or printable coupons to redeem or use the gift.

System and method for processing gift transfers via a social network

Disclosed herein are systems, methods, and non-transitory computer-readable storage media for creating a gift in one medium of exchange from stored value in another medium of exchange. The system accesses a first account representing stored value in a first medium of exchange, and chooses an amount of the stored value from the first medium of exchange. Then the system converts the amount of the stored value to a second medium of exchange to yield a converted amount, and gives the converted amount in the second medium of exchange to a recipient as a gift, wherein the gift is associated with a recipient account for the second medium of exchange, and wherein the gift is associated with a policy monitoring transactions made using the recipient account such that the converted amount is applied to a transaction satisfying conditions of the policy.

System and method for processing gifts between different exchange medium

Disclosed herein are systems, methods, and non-transitory computer-readable storage media for enabling gift card recipients to redeem gift card amounts using existing accounts such as a credit/debit card. A system practicing the method sends to a set of givers a set of respective invitations to contribute to a group gift, wherein the group gift is associated with a policy, a person, and a payment account associated with the person that existed prior to sending the set of respective invitations. The system identifies a contribution to the group gift from one of the set of givers, wherein when the person makes a qualifying transaction using the payment account according to the policy, a gift amount associated with the group gift is applied from various giver accounts. Then the system updates at least one of the set of respective invitations sent to the set of givers based on the contribution.

System and method for processing group gift cards using a temporary, limited scope social networking entity

Disclosed herein are systems, methods, and non-transitory computer-readable storage media for splitting a transaction among multiple participants. A system configured to practice the method first identifies a group of individuals associated with a shared transaction. Then the system identifies a primary individual from the group of individuals and a non-primary group of individuals from the group of individuals, wherein the primary individual is associated with a primary account that existed prior to the shared transaction, and wherein each individual of the non-primary group of individuals is associated with a respective non-primary account that existed prior to the shared transaction. The system establishes a policy for monitoring the primary account for completion of the shared transaction. Then, upon detection of the completion of the shared transaction, the system determines a transaction amount and applies a respective portion of the transaction amount from each non-primary account to the primary account.

System and method for splitting a transaction

Systems, methods, and computer-readable storage media for creating an open loop prepaid gift account for a merchant without the merchant's consent. The system identifies a request from a customer to purchase the open loop prepaid gift account which can be used to make purchases at the merchant, presents a menu from which the customer can select the merchant, receives a selection of the merchant and, based on the selection, presents an option to load funds onto the open loop prepaid gift account. Upon receipt of payment, the system creates the open loop prepaid gift account and loads the open loop prepaid gift account with an amount of money, wherein information associated with the open loop prepaid gift account is encoded onto a physical card. The system also prints on the physical card a statement suggesting that the customer can use the physical card to make purchases at the merchant.

Growing community of inventors

Pittsburg, PA, United States of America

Jason Wolfe