Host-managed gift card program
First Claim
Patent Images
1. A computer-implemented method of processing gift cards, the method comprising:
- under control of a computing device configured with executable instructions,receiving credentials of a merchant to enable the merchant to access an application to redeem a gift card; and
determining that the credentials of the merchant are correct and, in response to the determining that the credentials of the merchant are correct;
determining an identifier of the gift card by at least one of scanning a machine-readable code or recording an image of the machine-readable code;
receiving a transaction amount to deduct from the gift card;
transmitting a secure request to a host that includes the identifier and the transaction amount; and
receiving from the host a response that includes at least one of a confirmation of an availability of the transaction amount or a balance of the gift card that is an amount less than the transaction amount.
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Abstract
A host-managed gift card program may enable merchants to offer and redeem gift cards without integrating a gift card program with a point of sale (POS) system used by the merchant. The merchant may rely on a host, at least in part, to issue gift cards, manage a ledger, assist in redemption of gift cards when the cards are redeemed at the merchant'"'"'s location, and perform other gift card-related tasks for the merchant.
30 Citations
23 Claims
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1. A computer-implemented method of processing gift cards, the method comprising:
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under control of a computing device configured with executable instructions, receiving credentials of a merchant to enable the merchant to access an application to redeem a gift card; and determining that the credentials of the merchant are correct and, in response to the determining that the credentials of the merchant are correct; determining an identifier of the gift card by at least one of scanning a machine-readable code or recording an image of the machine-readable code; receiving a transaction amount to deduct from the gift card; transmitting a secure request to a host that includes the identifier and the transaction amount; and receiving from the host a response that includes at least one of a confirmation of an availability of the transaction amount or a balance of the gift card that is an amount less than the transaction amount. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. One or more non-transitory computer-readable media storing computer-executable instructions that, when executed on one or more processors, performs acts comprising:
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recording an image of at least a portion of a gift card; receiving credentials of a merchant, the credentials to enable redemption of the gift card using a merchant device; and determining that the credentials of the merchant are correct and, in response to the determining that the credentials of the merchant are correct; determining an identifier from an analysis of the image; in response to receiving a transaction amount to deduct from the gift card, transmitting, by the merchant device, a secure request to a host that includes the identifier and the transaction amount; and in response to receiving from the host a response that includes an availability of the transaction amount or a balance of the gift card that is an amount less than the transaction amount, transmitting a redemption request to the host to redeem the transaction amount or the balance of the gift card. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A method of facilitating merchant issuance of gift cards, the method comprising:
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under control of one or more computing devices configured with executable instructions, activating a gift card account for a merchant; associating a payment account of the merchant with the gift card account, the payment account to receive funds from a host when the host sells gift cards on behalf of the merchant; and designating redemption credentials and parameters that, when authenticated and satisfied, enable the merchant to redeem the gift cards in a physical location using a computing device that accesses the gift card account provided by the host, the parameters being based at least in part on a location of the computing device or a time of use of the computing device. - View Dependent Claims (16, 17, 18, 19)
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20. One or more non-transitory computer-readable media storing computer-executable instructions that, when executed on one or more processors, performs acts comprising:
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in response to receiving, from a merchant device, a redemption request including a gift card identifier and an amount, determining whether a balance associated with the gift card identifier is equal to or greater than the amount, wherein the redemption request relates to a gift card issued by a host on behalf of a merchant; transmitting a confirmation of the amount to the merchant device when the gift card identifier has associated therewith a balance of at least the amount; transmitting an indication of the balance associated with the gift card identifier when the gift card identifier has associated therewith a balance of less than the amount; and in response to receiving transaction data from the merchant device, transmitting funds from the host to a payment account that is controlled by the merchant and updating the balance associated with the gift card identifier. - View Dependent Claims (21, 22, 23)
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Specification