Abstract: This disclosure relates to receiving, through a user interface, a selected plurality of retailers and respective requested value amounts, where the selected retailers and value amounts represent a consumer's request for multiple gift cards, and where the gift cards provide purchasing power at the plurality of retailers in the respective value amounts; applying, through a rules engine, a set of rules to the selected retailers and value amounts, where the rules engine is capable of using the rules to determine costs associated with the requested gift cards; generating a financing request for financing for the consumer, where the financing request is based on the selected retailers, the value amounts, and the rules; obtaining, through a loan system interface, financing for the consumer based on the financing request; and using the obtained financing to request the gift cards for the consumer.

Abstract: One solution for dealing with complex call flows employs a diagramming tool that allows a designer to graphically represent the customer experience during the call by connecting IVR actions and decision points with arrows. The resulting diagram is translated into a Finite State Machine (FSM).