GIFT TOKEN
First Claim
Patent Images
1. A system comprising:
- a memory of a payment provider storing account information of a user in a user account, the account information including a name of a recipient of a token and a money amount for the token, wherein the token was given by the user to the recipient and wherein the recipient does not have an account with the payment provider;
one or more processors of the payment provider operable to;
receive a communication including a request that the token be used by a person to make a purchase for a specified money amount;
access the user account;
determine from the user account if person is the recipient and if the specified money amount is less than or equal to the money amount of the token; and
authorize the purchase if the person is the recipient and if the specified money amount is less than or equal to the money amount of the token.
2 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods are disclosed for giving gifts in the form of secure tokens. A gift can be given from a user of a payment provider to a gift recipient. The recipient can be a member of the user'"'"'s family, a friend, or any other person or entity. The recipient can use the token to purchase a product using a checkout though the payment provider. The purchase can be made without requiring the user to create the user'"'"'s own payment provider account.
62 Citations
21 Claims
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1. A system comprising:
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a memory of a payment provider storing account information of a user in a user account, the account information including a name of a recipient of a token and a money amount for the token, wherein the token was given by the user to the recipient and wherein the recipient does not have an account with the payment provider; one or more processors of the payment provider operable to; receive a communication including a request that the token be used by a person to make a purchase for a specified money amount; access the user account; determine from the user account if person is the recipient and if the specified money amount is less than or equal to the money amount of the token; and authorize the purchase if the person is the recipient and if the specified money amount is less than or equal to the money amount of the token. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method comprising:
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storing, in a memory of a payment provider, account information of a user in a user account, the account information including a name of a recipient of a token and a money amount for the token, wherein the token was given by the user to the recipient and wherein the recipient does not have an account with the payment provider; receiving, via one or more processors, a communication including a request that the token be used by a person to make a purchase for a specified money amount; accessing, via the one or more processors, the user account; determining, via the one or more processors, from the user account if person is the recipient and if the specified money amount is less than or equal to the money amount of the token; and authorizing, via the one or more processors, the purchase if the person is the recipient and if the specified money amount is less than or equal to the money amount of the token. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A computer program product comprising a non-transitory computer readable medium having computer readable and executable code for instructing one or more processors to perform a method, the method comprising:
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storing, in a memory of a payment provider, account information of a user in a user account, the account information including a name of a recipient of a token and a money amount for the token, wherein the token was given by the user to the recipient and wherein the recipient does not have an account with the payment provider; receiving, via one or more processors, a communication including a request that the token be used by a person to make a purchase for a specified money amount; accessing, via one or more processors, the user account; determining, via one or more processors, from the user account if person is the recipient and if the specified money amount is less than or equal to the money amount of the token; and authorizing, via one or more processors, the purchase if the person is the recipient and if the specified money amount is less than or equal to the money amount of the token. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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Specification