Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for receiving data from a giver at a first time, the data being used to identify a merchant at which a gift from the giver to a recipient is redeemable. The system presents a group of merchants associated with the data to the giver, each merchant of the group of merchants offering a promotion in connection with the gift. The system receives from the giver a selection of a chosen merchant from the group of merchants, the chosen merchant having an associated promotion. The system then generates a policy comprising the gift, the chosen merchant, and the associated promotion such that upon receiving an indication of a triggering event caused by the recipient, the system can apply the gift and the associated promotion according to the policy.

Abstract: Disclosed herein are systems, methods, and computer-readable storage devices for receiving, from a giver, identification of a recipient and identification of a product associated with the recipient. The system can generate an offering including at least one product for selection by the recipient, wherein the offering is associated, prior to generating an offering, with a giver payment and delivery account that includes a payment account of the giver and address delivery information for the recipient. The system can associate the offering with a recipient device, and, upon receiving a selection from the recipient of a selected product in the offering via the recipient device, process purchase and delivery of the selected product based on the payment account of the giver and address delivery information included in the giver payment and delivery account for the recipient.

Abstract: Disclosed herein are systems, methods, and computer-readable storage devices for receiving an identification of a giver, a gift, an amount of money to pay for the gift, and a recipient of the gift at a first time. The system can associate a policy with the gift, and initiate, at the first time, a transfer of at least part of the amount of money to pay for the gift from the giver payment account to a holding account that is separate from the recipient payment account. The system can monitor, according to the policy, purchases of the recipient using the recipient payment account to yield purchasing information based on the purchasing information, and determine whether the recipient has made a qualifying purchase according to the policy. If so, the system can apply the amount of money to pay for the gift from the holding account to the recipient payment account.

Abstract: A system transfers money to a payee's payment card account, without requiring an additional payment card or without acquiring a payee's payment card or account information. A payee registers a payment account with a service provider. A system receives an identification, generated from a business entity, of the payee and information associated with a notice to be transmitted to a device associated with the payee. The system transmits the notice (advertisement or offer) to the device, the notice being associated, prior to the transmitting, with the payee payment account and being transmitted prior to the payee buying product or service associated with the notice using the payee payment account. The system receives receiving an indication of a purchase associated with the notice and completed using the payee payment account and applies an amount of money associated with the notice as a discount.

Abstract: A method to transfer money to a payee's payment card account, without requiring an additional payment card or without acquiring a payee's payment card information is disclosed. A payee registers a payment card with a service provider. The payment card is associated with a payment card account. A payor transfers an initial amount of money to the service provider to be given to the payee, when payee uses the registered payment card for a specified spending category. The service provider stores the money until the payee uses the registered payment card to make a qualified purchase.

Abstract: A method to transfer money to a payee's payment card account, without requiring an additional payment card or without acquiring the payee's payment card information is disclosed. A payee registers a payment card with a service provider. The payment card is associated with a payment card account. A payor transfers an initial amount of money to the service provider to be given to the payee, when payee uses the registered payment card for a specified spending category. The service provider stores the money until the payee uses the registered payment card to make a qualified purchase.

Abstract: A method to transfer money to a payee's payment card account, without requiring an additional payment card or without acquiring the payee's payment card information is disclosed. A payee registers a payment card with a service provider. The payment card is associated with a payment card account. A payor transfers an initial amount of money to the service provider to be given to the payee, when payee uses the registered payment card for a specified spending category. The service provider stores the money until the payee uses the registered payment card to make a qualified purchase.