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.
88 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