System and method for managing gift credits
DCFirst Claim
1. A method comprising:
- receiving, via the Internet, a registration of a recipient payment account at a network-based service provider, the recipient payment account being associated with a recipient;
receiving, from an entity, an identification of the recipient and a spending category, the recipient payment account being registered with the network-based service provider prior to the receiving of the identification;
generating, via the network-based service provider, a policy comprising a gift credit and the spending category, wherein the policy is at least in part defined by the entity and wherein the policy is linked to the recipient payment account;
transmitting, via a processor of a computing device and via a wireless communication channel, an electronic notice to a recipient device, the electronic notice referencing the policy;
monitoring, via a processor of a computing device, purchasing transactions made using the recipient payment account via a payment processing system for a qualified purchase according to the policy; and
based on the qualified purchase, transferring, via a processor of a computing device, the gift credit from an entity payment account to the recipient payment account.
1 Assignment
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Accused Products
Abstract
A system transfers money to a recipient'"'"'s payment card account, without requiring an additional payment card or without acquiring 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 (advertisement or offer) 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 notice can be associated with a network merchant category or network merchant ID for managing a gift credit identified in the notice. The system receives an indication of a purchase associated with the notice and completed using the recipient payment account and applies the gift credit.
233 Citations
20 Claims
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1. A method comprising:
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receiving, via the Internet, a registration of a recipient payment account at a network-based service provider, the recipient payment account being associated with a recipient; receiving, from an entity, an identification of the recipient and a spending category, the recipient payment account being registered with the network-based service provider prior to the receiving of the identification; generating, via the network-based service provider, a policy comprising a gift credit and the spending category, wherein the policy is at least in part defined by the entity and wherein the policy is linked to the recipient payment account; transmitting, via a processor of a computing device and via a wireless communication channel, an electronic notice to a recipient device, the electronic notice referencing the policy; monitoring, via a processor of a computing device, purchasing transactions made using the recipient payment account via a payment processing system for a qualified purchase according to the policy; and based on the qualified purchase, transferring, via a processor of a computing device, the gift credit from an entity payment account to the recipient payment account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A system comprising:
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a processor of a computer device; and a non-transitory computer-readable storage medium storing instructions which, when executed by the processor of the computing device, cause the processor to perform operations comprising; receiving, via the Internet, a registration of a recipient payment account at a network-based service provider, the recipient payment account being associated with a recipient; receiving, from an entity, an identification of the recipient and a spending category, the recipient payment account being registered with the network-based service provider prior to the receiving of the identification; generating, via the network-based service provider, a policy comprising a gift credit and the spending category, wherein the policy is at least in part defined by the entity and wherein the policy is linked to the recipient payment account; transmitting, via a communication channel, an electronic notice to a recipient device, the electronic notice referencing the policy; monitoring purchasing transactions made using the recipient payment account via a payment processing system for a qualified purchase according to the policy; and based on the qualified purchase, transferring the gift credit from an entity payment account to the recipient payment account. - View Dependent Claims (14, 15, 16, 17, 18, 19)
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20. A non-transitory computer-readable storage device storing instructions which, when executed by a processor of a computing device, cause the processor of the computing device to perform operations comprising:
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receiving, via the Internet, a registration of a recipient payment account at a network-based service provider, the recipient payment account being associated with a recipient; receiving, from an entity, an identification of the recipient and a spending category, the recipient payment account being registered with the network-based service provider prior to the receiving of the identification; generating, via the network-based service provider, a policy comprising a gift credit and the spending category, wherein the policy is at least in part defined by the entity and wherein the policy is linked to the recipient payment account; transmitting, via a communication channel, an electronic notice to a recipient device, the electronic notice referencing the policy; monitoring purchasing transactions made using the recipient payment account via a payment processing system for a qualified purchase according to the policy; and based on the qualified purchase, transferring the gift credit from an entity payment account to the recipient payment account.
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Specification