SYSTEM AND METHOD FOR PROCESSING A GIFT CARD VIA THE CLOUD
First Claim
1. A method comprising:
- receiving, at a first time, from a payor an identification of a payee and a policy, the payee having a payee account that was registered with a service provider prior to the first time;
monitoring, via a processor and after the first time, purchasing transactions of the payee using the payee account for a qualified purchase according to the policy, wherein the policy, as defined by the payor, excludes a defined item; and
when the payee makes the qualified purchase by purchasing an item other than the defined item at a second time which is later than the first time, transferring an amount of money into the payee account to pay for at least part of the qualified purchase.
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Accused Products
Abstract
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 receives, at a first time, from a payor an identification of a payee and a policy, the payee having a payee account that was registered with a service provider prior to the first time. The system monitors, after the first time, purchasing transactions of the payee using the payee account for a qualified purchase according to the policy, wherein the policy, as defined by the payor, excludes a defined item. When the payee makes the qualified purchase by purchasing an item other than the defined item at a second time, which is later than the first time, the system transfers an amount of money into the payee account to pay for at least part of the qualified purchase.
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Citations
9 Claims
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1. A method comprising:
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receiving, at a first time, from a payor an identification of a payee and a policy, the payee having a payee account that was registered with a service provider prior to the first time; monitoring, via a processor and after the first time, purchasing transactions of the payee using the payee account for a qualified purchase according to the policy, wherein the policy, as defined by the payor, excludes a defined item; and when the payee makes the qualified purchase by purchasing an item other than the defined item at a second time which is later than the first time, transferring an amount of money into the payee account to pay for at least part of the qualified purchase. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system comprising:
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a processor; and a computer-readable storage device storing instructions, which, when executed by the processor cause the processor to perform operations comprising; receiving, at a first time, from a payor an identification of a payee and a policy, the payee having a payee account that was registered with a service provider prior to the first time; monitoring, via a processor and after the first time, purchasing transactions of the payee using the payee account for a qualified purchase according to the policy, wherein the policy, as defined by the payor, excludes a defined item; and when the payee makes the qualified purchase by purchasing an item other than the defined item at a second time which is later than the first time, transferring an amount of money into the payee account to pay for at least part of the qualified purchase.
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9. A non-transitory computer-readable storage device storing instructions which, when executed by a computing device, cause the computing device to perform operations comprising:
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receiving, at a first time, from a payor an identification of a payee and a policy, the payee having a payee account that was registered with a service provider prior to the first time; monitoring, via a processor and after the first time, purchasing transactions of the payee using the payee account for a qualified purchase according to the policy, wherein the policy, as defined by the payor, excludes a defined item; and when the payee makes the qualified purchase by purchasing an item other than the defined item at a second time which is later than the first time, transferring an amount of money into the payee account to pay for at least part of the qualified purchase.
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Specification