System and method for distributing mobile gift cards

• US 8,463,674 B2
• Filed: 12/23/2008
• Issued: 06/11/2013
• Est. Priority Date: 01/03/2008
• Status: Active Grant

• Current Assignee: Stripe, Inc.
• Original Assignee: Mocapay, Inc. (Moca Financial, Inc.)
• Inventors: Hurst, Douglas J.
• Primary Examiner(s): NGUYEN, TIEN C
• Application Number:
  US12/343,423
• Publication Number:
  US 20090179074A1
• Time in Patent Office: 1,631 Days
• Field of Search: 705 30- 45, 705/24, 705/68, 705/28, 705/14.23, 705/17, 705/14.27, 705/16, 235/380
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A system and method for distributing mobile gift cards is described. One embodiment, a computer-server-based method, receives a selection of a merchant with which to associate a mobile gift card, receives an indication of a monetary amount for the mobile gift card, receives an electronic payment for the monetary amount, applies the monetary amount to the mobile gift card, associates the mobile gift card with a recipient'"'"'s phone number, and transmits a notification of the mobile gift card to a mobile device associated with the recipient'"'"'s phone number, the computer server acting as a server-side wallet for the mobile gift card, the mobile gift card being usable, through interaction with the computer server, by the recipient for the purchase of goods from the merchant associated with the mobile gift card.

Claims

1. A computer-server-based method for distributing a mobile gift card, the computer-server-based method comprising:

receiving, at the computer server, a selection of a merchant with which to associate the mobile gift card;

receiving, at the computer server, an indication of a monetary amount for the mobile gift card;

receiving, at the computer server, an electronic payment for the monetary amount;

applying the monetary amount to the mobile gift card at the computer server;

associating, at the computer server, the mobile gift card with a recipient'"'"'s phone number;

transmitting, from the computer server, a notification of the mobile gift card to a mobile device associated with the recipient'"'"'s phone number; and

storing an account number associated with the mobile gift card at the computer server instead of at the mobile device such that the computer server communicates with the mobile device to conduct secure purchases using the mobile gift card on behalf of the recipient.

2. The computer-server-based method of claim 1, wherein the notification includes a personalized message for the recipient.

3. The computer-server-based method of claim 1, wherein the notification includes instructions to the recipient regarding how to activate the mobile gift card via the computer server.

4. The computer-server-based method of claim 1, wherein the mobile gift card is activated automatically at the computer server when the notification is transmitted.

5. The computer-server-based method of claim 1, wherein the notification includes a Short Message Service (SMS) message.

6. The computer-server-based method of claim 1, wherein the notification includes a voice message.

7. The computer-server-based method of claim 1, wherein the notification is conveyed to the recipient via an application executing on the mobile device.

8. The computer-server-based method of claim 7, wherein the application is an Internet browser.

9. The computer-server-based method of claim 1, further comprising:

prior to receiving a selection of a merchant with which to associate the mobile gift card, presenting an aggregated list of a plurality of different merchants from which a user can select the merchant to associate with the mobile gift card.

10. The computer-server-based method of claim 1, further comprising:

receiving an activation date for the mobile gift card, the notification of the mobile gift card being transmitted to the mobile device associated with the recipient'"'"'s phone number on the activation date.

11. The computer-server-based method of claim 1, wherein the mobile device is a cellular telephone.

12. The computer-server-based method of claim 1, further comprising:

causing the monetary amount, minus a predetermined fee, to be remitted to the merchant associated with the mobile gift card.

13. The computer-server-based method of claim 1, wherein a user from whom the electronic payment is received and the recipient are one and the same person.

14. The computer-server-based method of claim 1, wherein a balance associated with the mobile gift card is not stored at the mobile device.

15. A system for distributing a mobile gift card, the system comprising:

at least one processor; and

a memory containing a plurality of program instructions executable by the at least one processor, the plurality of program instructions being configured to cause the at least one processor to;

receive a selection of a merchant with which to associate with the mobile gift card;

receive an indication of a monetary amount for the mobile gift card;

receive an electronic payment for the monetary amount;

apply the monetary amount to the mobile gift card;

associate the mobile gift card with a recipient'"'"'s phone number;

transmit a notification of the mobile gift card to a mobile device associated with the recipient'"'"'s phone number; and

store an account number associated with the mobile gift card at the computer server instead of at the mobile device such that the computer server communicates with the mobile device to conduct secure purchases using the mobile gift card on behalf of the recipient.

16. The system of claim 15, wherein the notification includes instructions to the recipient regarding how to activate the mobile gift card via the system.

17. The system of claim 15, wherein the mobile gift card is activated automatically at the system upon receipt, by the mobile device, of the notification.

18. The system of claim 15, wherein the system includes a server in communication with the Internet.

19. The system of claim 15, wherein the plurality of program instructions are configured to cause the at least one processor to present, prior to receipt of the selection of a merchant with which to associate the mobile gift card, an aggregated list of a plurality of different merchants from which a user can select the merchant to associate with the mobile gift card.

20. The system of claim 15, wherein the plurality of program instructions are configured to cause the at least one processor to:

receive an activation date for the mobile gift card; and

transmit the notification of the mobile gift card to the mobile device associated with the recipient'"'"'s phone number on the activation date.

21. The system of claim 15, wherein the mobile device is a cellular telephone.

22. The system of claim 15, wherein a balance associated with the mobile gift card is not stored at the mobile device.

23. A system for distributing a mobile gift card, the system comprising:

at least one processor; and

a memory containing a plurality of program instructions executable by the at least one processor, the plurality of program instructions being configured to cause the at least one processor to;

receive a selection of a merchant with which to associate with the mobile gift card;

receive an indication of a monetary amount for the mobile gift card;

receive an electronic payment for the monetary amount;

apply the monetary amount to the mobile gift card;

associate the mobile gift card with a recipient'"'"'s phone number;

transmit a notification of the mobile gift card to a mobile device associated with the recipient'"'"'s phone number; and

store an account number associated with the mobile gift card at the computer server instead of at the mobile device such that the computer server communicates with the mobile device to conduct secure purchases using the mobile gift card on behalf of the recipient;

wherein no credentials associated with the mobile gift card are stored by the mobile device.

24. The system of claim 23, wherein the plurality of program instructions are configured to cause the at least one processor to present, prior to receipt of the selection of a merchant with which to associate the mobile gift card, an aggregated list of a plurality of different merchants from which a user can select the merchant to associate with the mobile gift card.

25. The system of claim 23, wherein the plurality of program instructions are configured to cause the at least one processor to:

receive an activation date for the mobile gift card; and

transmit the notification of the mobile gift card to the mobile device associated with the recipient'"'"'s phone number on the activation date.

26. The system of claim 23, wherein a balance associated with the mobile gift card is not stored at the mobile device.