Abstract: Disclosed are systems and methods for processing gift transactions. An example method includes receiving an identification of a first merchant from a giver at a first time, wherein a gift from the giver to a recipient is redeemable at the first merchant. The method can include generating a policy comprising the first merchant. The policy can be at least in part giver-defined and linked to the recipient payment account. The method can then include transmitting an electronic notice to a recipient device, receiving a selection from the recipient of a second merchant at which to redeem the gift from the giver, updating the policy to apply to the second merchant selected by the recipient to yield an updated policy and, upon receiving an indication of a triggering event caused by use of the recipient payment account as defined by the updated policy, applying an amount of money to the gift.

Abstract: Disclosed are systems and methods for processing gift transactions. An example method includes receiving an identification of a first merchant from a giver at a first time, wherein a gift from the giver to a recipient is redeemable at the first merchant. The method can include generating a policy comprising the first merchant. The policy can be at least in part giver-defined and linked to the recipient payment account. The method can then include transmitting an electronic notice to a recipient device, receiving a selection from the recipient of a second merchant at which to redeem the gift from the giver, updating the policy to apply to the second merchant selected by the recipient to yield an updated policy and, upon receiving an indication of a triggering event caused by use of the recipient payment account as defined by the updated policy, applying an amount of money to the gift.

Abstract: Technologies for unwrappable virtual egifts enabling recipients to redeem gift credits using payment accounts. In some examples, a system identifies a merchant associated with a giver, the giver being associated with a giver payment account and a recipient being associated with a recipient payment account. The system associates a policy with the gift credit and generates an image underlay identifying the gift credit and an image overlay hiding the image underlay and gift credit, the image overlay including a separable flap having a portion that appears unadhered to the image underlay, the separable flap being configured to trigger, in response to an input, an animated unwrapping effect that removes the image overlay to reveal the image underlay and gift credit. The system presents the image overlay and, in response to receiving the input, generates the animated unwrapping effect to remove the image overlay and reveal the image underlay.

Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for processing gift transactions, related to enabling a recipient to choose a mode of redeeming the gift credit. A method can include receiving an identification, from a giver of a credit, of a recipient and a spending category associated with a notice, transmitting the notice to a device associated with the recipient, receiving a selection from the recipient regarding a payment mode to be used to redeem the credit from the giver by making a purchase according to the spending category, linking the payment mode to a policy associated with redeeming the credit, monitoring purchases using the payment mode of the recipient for a qualified purchase according to the spending category, receiving an indication that the qualified purchase was made using the payment mode and, based on the indication of the qualified purchase, applying the credit to the recipient.

Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for processing a gift involving separate transactions. A system configured to practice the method first associates a policy with a giver having a giver account and a recipient having a recipient account, wherein the giver account is independent of the recipient account, and wherein the policy requires at least two transactions prior to applying a gift amount. Then the system monitors transactions using the recipient account to identify at least two separate qualifying transactions according to the policy. Upon identifying the at least two separate qualifying transactions, the system applies the gift amount to the recipient account according to the policy.

Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for processing gift transactions, related to retaining a social and gratitude-based experience surrounding giving and receiving gifts, monitoring gift recipients on-premises at merchants and providing gift-related notifications, and managing funds in a gift that the recipient does not redeem. A system configured to practice a first method receives an object associated with a gift, receives a tag associated with the object, and transmits the object to the giver. A system configured to practice a second example method uses face identification at the merchant to identify a recipient of a gift. The system can transmit a reminder to the recipient regarding the gift. In a third example method, the system creates a gift and notifies the recipient of the gift. If the recipient never redeems the gift, then the giver is not charged for the gift and no transaction occurs.

Abstract: Disclosed are systems and methods for processing gift transactions. An example method includes receiving an identification of a first merchant from a giver at a first time, wherein a gift from the giver to a recipient is redeemable at the first merchant. The method can include generating a policy comprising the first merchant. The policy can be at least in part giver-defined and linked to the recipient payment account. The method can then include transmitting an electronic notice to a recipient device, receiving a selection from the recipient of a second merchant at which to redeem the gift from the giver, updating the policy to apply to the second merchant selected by the recipient to yield an updated policy and, upon receiving an indication of a triggering event caused by use of the recipient payment account as defined by the updated policy, applying an amount of money to the gift.

Abstract: Disclosed herein is a method for enabling gift card recipients to redeem gift card amounts using existing payment accounts. A system identifies a giver and recipient of a gift card amount and associated accounts. A policy is established which governs how the gift card is redeemed, such as a specific merchant or item. When a purchase is made using an existing credit/debit card according to the policy, the system intercepts the purchase and causes the gift card amount to be applied from an account other than the recipient account. No special codes, separate physical gift cards, or printable coupons are necessary for redemption. The recipient makes purchases using their normal purchasing credit/debit card via a qualifying purchase according to the policy, and the gift card is applied automatically. The recipient credit/debit card becomes a combination of an open-looped card and a closed-loop card. Thus, no money is wasted or lost.

Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for creating a gift in one medium of exchange from stored value in another medium of exchange. The system accesses a first account representing stored value in a first medium of exchange, and chooses an amount of the stored value from the first medium of exchange. Then the system converts the amount of the stored value to a second medium of exchange to yield a converted amount, and gives the converted amount in the second medium of exchange to a recipient as a gift, wherein the gift is associated with a recipient account for the second medium of exchange, and wherein the gift is associated with a policy monitoring transactions made using the recipient account such that the converted amount is applied to a transaction satisfying conditions of the policy.

Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for enabling gift interactions via social media. For example, a user can post to a social networking site in a particular way to establish a gift transfer to a recipient based on a policy, such that when the recipient makes a purchase using their pre-existing payment account, the gift (an amount of money) is transferred or applied to the recipient payment account. A particular structure or feature of a social network post can trigger the creation of the policy, with metadata or information parsed from the social network post providing additional details of the policy. In this way, a user can set up a gift transfer without interacting with a gift portal, application, or website. The recipient does not need to use any special code, separate physical gift cards, or printable coupons to redeem or use the gift.

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 identifies a group of individuals associated with a shared transaction. Then the system identifies a primary individual from the group of individuals and a non-primary group of individuals from the group of individuals, wherein the primary individual is associated with a primary account that existed prior to the shared transaction, and wherein each individual of the non-primary group of individuals is associated with a respective non-primary account that existed prior to the shared transaction. The system establishes a policy for monitoring the primary account for completion of the shared transaction.

Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for enabling gift card recipients to redeem gift card amounts using existing accounts such as a credit/debit card. A system practicing the method sends to a set of givers a set of respective invitations to contribute to a group gift, wherein the group gift is associated with a policy, a person, and a payment account associated with the person that existed prior to sending the set of respective invitations. The system identifies a contribution to the group gift from one of the set of givers, wherein when the person makes a qualifying transaction using the payment account according to the policy, a gift amount associated with the group gift is applied from various giver accounts. Then the system updates at least one of the set of respective invitations sent to the set of givers based on the contribution.

Abstract: A system transfers money to a recipient's payment card account, without requiring an additional payment card or a recipient's payment card or account information. A recipient registers a payment account with a service provider. A system receives an identification, generated from an entity such as a business or a person, of the recipient and information associated with an electronic notice to be transmitted to a device associated with the recipient. The system transmits the notice to the device, the notice being associated with the recipient payment account and being transmitted prior to the recipient buying product or service associated with the notice using the recipient payment account. The system receives an indication of a purchase associated with the notice and completed using the recipient payment account and applies the gift credit.

Abstract: Technologies for unwrappable virtual egifts enabling recipients to redeem gift credits using payment accounts. In some examples, a system identifies a merchant associated with a giver, the giver being associated with a giver payment account and a recipient being associated with a recipient payment account. The system associates a policy with the gift credit and generates an image underlay identifying the gift credit and an image overlay hiding the image underlay and gift credit, the image overlay including a separable flap having a portion that appears unadhered to the image underlay, the separable flap being configured to trigger, in response to an input, an animated unwrapping effect that removes the image overlay to reveal the image underlay and gift credit. The system presents the image overlay and, in response to receiving the input, generates the animated unwrapping effect to remove the image overlay and reveal the image underlay.

Abstract: A system transfers money to a recipient's payment card account, without requiring an additional payment card or without acquiring a recipient's payment card or account information. A recipient registers a payment account with a service provider. A system receives an identification, generated from an entity such as a business or a person, of the recipient and information associated with an electronic notice to be transmitted to a device associated with the recipient. The system transmits the notice (advertisement or offer) to the device, the notice being associated with the recipient payment account and being transmitted prior to the recipient buying product or service associated with the notice using the recipient payment account. The notice can be associated with a network merchant category or network merchant ID for managing a gift credit identified in the notice.

Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for processing gift transactions, related to enabling a recipient to choose a mode of redeeming the gift credit. A method can include receiving an identification, from a giver of a credit, of a recipient and a spending category associated with a notice, transmitting the notice to a device associated with the recipient, receiving a selection from the recipient regarding a payment mode to be used to redeem the credit from the giver by making a purchase according to the spending category, linking the payment mode to a policy associated with redeeming the credit, monitoring purchases using the payment mode of the recipient for a qualified purchase according to the spending category, receiving an indication that the qualified purchase was made using the payment mode and, based on the indication of the qualified purchase, applying the credit to the recipient.

Abstract: Disclosed are systems and methods for processing gift transactions. An example method includes receiving an identification of a first merchant from a giver at a first time, wherein a gift from the giver to a recipient is redeemable at the first merchant. The method can include generating a policy comprising the first merchant. The policy can be at least in part giver-defined and linked to the recipient payment account. The method can then include transmitting an electronic notice to a recipient device, receiving a selection from the recipient of a second merchant at which to redeem the gift from the giver, updating the policy to apply to the second merchant selected by the recipient to yield an updated policy and, upon receiving an indication of a triggering event caused by use of the recipient payment account as defined by the updated policy, applying an amount of money to the gift.

Abstract: Technologies for unwrappable virtual egifts enabling recipients to redeem gift credits using payment accounts. In some examples, a system identifies a merchant associated with a giver, the giver being associated with a giver payment account and a recipient being associated with a recipient payment account. The system associates a policy with the gift credit and generates an image underlay identifying the gift credit and an image overlay hiding the image underlay and gift credit, the image overlay including a separable flap having a portion that appears unadhered to the image underlay, the separable flap being configured to trigger, in response to an input, an animated unwrapping effect that removes the image overlay to reveal the image underlay and gift credit. The system presents the image overlay and, in response to receiving the input, generates the animated unwrapping effect to remove the image overlay and reveal the image underlay.

Abstract: A method for rule-based gift giving method collects information about life events of one or more friends from one or more social network systems and/or from one or more online profiles. The gathered information may be organized in a news stream format or a calendar items format. The user creates rules including parameters such as monetary value of the gift, identity of the recipient and the life event on which to send the gift. The user may generate a default list of friends who will automatically receive user-selected gifts on user-selected life events. According to another embodiment, the user may generate an on-demand list of friends who will receive gifts on selected life events upon user's approval.

Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for processing gift transactions, related to retaining a social and gratitude-based experience surrounding giving and receiving gifts, monitoring gift recipients on-premises at merchants and providing gift-related notifications, and managing funds in a gift that the recipient does not redeem. A system configured to practice a first method receives an object associated with a gift, receives a tag associated with the object, and transmits the object to the giver. A system configured to practice a second example method uses face identification at the merchant to identify a recipient of a gift. The system can transmit a reminder to the recipient regarding the gift. In a third example method, the system creates a gift and notifies the recipient of the gift. If the recipient never redeems the gift, then the giver is not charged for the gift and no transaction occurs.