SYSTEM AND METHOD FOR PROCESSING GIFT TRANSFERS VIA A SOCIAL NETWORK
First Claim
1. A method comprising:
- identifying a social media message from a giver having an associated giver payment account that existed prior to the social media message, wherein data associated with the social media message is used to identify a recipient having an associated recipient payment account that existed prior to the social media message and a policy;
determining a gift amount based on the data; and
monitoring transactions using the recipient payment account according to the policy, wherein when a qualifying transaction occurs, at least a portion of the gift amount is applied to the recipient payment account.
1 Assignment
0 Petitions
Accused Products
Abstract
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.
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Citations
20 Claims
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1. A method comprising:
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identifying a social media message from a giver having an associated giver payment account that existed prior to the social media message, wherein data associated with the social media message is used to identify a recipient having an associated recipient payment account that existed prior to the social media message and a policy; determining a gift amount based on the data; and monitoring transactions using the recipient payment account according to the policy, wherein when a qualifying transaction occurs, at least a portion of the gift amount is applied to the recipient payment account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A system comprising:
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a processor; a memory storing instructions for controlling the processor to perform steps comprising; identifying a social media message from a giver having an associated giver payment account that existed prior to the social media message, wherein data associated with the social media message is used to identify a recipient having an associated recipient payment account that existed prior to the social media message and a policy; determining a gift amount based on the data; and monitoring transactions using the recipient payment account according to the policy, wherein when a qualifying transaction occurs, at least a portion of the gift amount is applied to the recipient payment account. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A non-transitory computer-readable storage medium storing instructions which, when executed by a computing device, cause the computing device to perform steps comprising:
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receiving at a social networking service a request to establish a standard for receiving a gift amount, the request being from a recipient having a recipient payment account registered with the social networking service; if the standard is valid, establishing the standard; and monitoring posts to the social networking service from users other than the recipient, such that when one of the posts matches the standard, a policy is established such that at least a portion of a gift amount is transferred from a giver payment account associated with a giver creating the one of the posts to the recipient payment account when the recipient makes a qualifying purchase using the recipient payment account. - View Dependent Claims (18, 19, 20)
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Specification