Abstract: Disclosed is an approach for enabling a user to choose from multiple payment options using a browser API. The method includes transmitting, to a browser and via a browser payment request application programming interface, a payment request having data associated with a purchase of a product from the site for a user and presenting a choice between a first payment method and a second payment method for purchasing the product. The method includes receiving a selection of a payment method from the user of one of the first payment method and the second payment method to yield a selected payment method and, based on the selected payment method and in response to the payment request, receiving, from the browser and via the browser payment request application programming interface, data associated with the selected payment method.

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 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: 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 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 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 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: A device can include a memory storing user payment data and another memory device storing instructions that cause the device to establish a communication between a separate device and the system based on a gesture associated with the system and via a wireless link between the system and the separate device, the communication being associated with a potential purchase, receive purchase data from the separate device via the wireless link, the purchase data being associated with the potential purchase, present, on the display, an instruction associated with the potential purchase, receive a single-interaction from the user of the system to confirm a payment for the potential purchase, the single-interaction comprising a security measure to prevent unauthorized purchases, retrieve, based on the single-interaction from the user, the user payment data from the memory and transmit the user payment data via the wireless link to the separate device to make a purchase.

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 is an updated browser having an API for communicating payment data between the browser and a site or an application and a software module for processing payments of purchases and to reduce the number of user interactions needed for a purchasing process. The method includes receiving, via the user interface, an interaction by a user with an object associated with a site, the interaction indicating a user intent to make a purchase, receiving, based on the interaction and via an application programming interface, a request from the site or application for payment data in connection with the purchase and transmitting, to the site or the application and via the application programming interface, the payment data, wherein the payment data confirms the purchase or can be used to process or deliver a product associated with the purchase.

Abstract: Disclosed herein are systems, methods, and computer-readable storage devices for securely storing, at an electronic device, payment information associated with a payment account, detecting, at the electronic device, a payment operation associated with an application program. In response to the detected payment operation, the method includes determining that an input corresponding to an authorization of a payment transaction has not been locally received at the electronic device within a time period, presenting, in response to the determination, a stimulus indicating that the input corresponding to an authorization of a payment transaction has not been locally received, detecting subsequent to the stimulus presentation an authorization input, the authorization input corresponding to an authorization of a payment transaction, enabling, in response to detecting the authorization input, the payment information to be retrieved and releasing the payment information to the application program.

Abstract: Disclosed is a process of providing social networking entity purchasing processes. A method includes receiving, from a posting entity and at the social networking entity, a posting. When the posting is associated with a product within a product catalog of the posting entity, the social networking entity transmits the posting through the social networking entity with an option to buy. When there is a correlation between the posting and the product catalog, and when the user makes a purchase of the product, the user is not transitioned away from the social networking entity. Initiating a process associated with the purchase of the product occurs within the social networking entity.

Abstract: Disclosed is an approach for providing a multi-site shopping cart. A method includes receiving, via a browser shopping cart application programming interface associated with a browser, first data associated with a first product viewed by a user navigating on a first site using the browser. The first data is stored for later retrieval. The method includes presenting a browser payment interface to the user for managing the purchase of the second product, the browser payment interface being associated with a browser payment request API in which payment data for the user is passed from the browser to the second site through the browser payment request application programming interface. The method includes presenting on the browser payment interface information about the first product (based on the stored data) and processing a payment of both the first product and the second product based on user interaction with the browser payment interface.

Abstract: Disclosed is an approach for processing cryptocurrency payments via a payment request application programming interface. A method includes receiving, from a site, at a browser and via the payment request application programming interface, a request associated with a potential purchase, wherein the request includes an identification of a cryptocurrency payment method accepted by the site and transmitting, to the site, from the browser and via the API, data indicating that a user of the browser can pay for the potential purchase via the cryptocurrency payment method accepted by the site. The method includes retrieving via the API cryptocurrency payment information for the potential purchase and populating a cryptocurrency wallet with the cryptocurrency payment information for automatic payment.

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: A controlled interface includes a first component communicating with a first device via a network connection, a first media converter having a first media converter disabled transmit port and a first media converter receive port, the first media converter connected via a connection to the first component, a second media converter having a second media converter transmit port and a second media converter receive port, the second media converter connected via a third network connection to the first component. A second component communicates with the second device via a connection. A third media converter has a third media converter transmit port and a third media converter receive port. The third media converter communicates with the second component via a connection. A fourth media converter has a fourth media converter disabled transmit port and a fourth media converter receive port.

Abstract: A method includes receiving, at a social media software module operating on a user device, input from a first user associated with a payment from the first user to a second user, wherein the social media software module provides a social media interaction which enables communication between the first user and the second user, receiving, in connection with use of the social media software module for the social media interaction, a payment authorization from the first user for the payment to the second user and initiating, from the social media software module and based on the payment authorization, a blockchain-based payment from the first user to the second user. This approach incorporates a cryptocurrency wallet into a social media application to reduce friction and enable easy payments between users of the social media application using a cryptocurrency for at least part of the transfer of value from one user to another.

Abstract: Disclosed is a process of providing social networking entity purchasing processes. A method includes receiving, from a posting entity and at the social networking entity, a posting. When the posting is associated with a product within a product catalog of the posting entity, the social networking entity transmits the posting through the social networking entity with an option to buy. When there is a correlation between the posting and the product catalog, and when the user makes a purchase of the product, the user is not transitioned away from the social networking entity. Initiating a process associated with the purchase of the product occurs within the social networking entity.

Abstract: Disclosed is a system and method for receiving, at a user device, data from a near-field-communication tag on an object, initiating, based on the data, a browser on the user device, navigating, based on the data and via the browser, to a site and transmitting authorized payment data or other task to the site based on payment data retrieved from either the user device or a network entity. The data can be communicated from the browser to the site through an application programming interface. Any task can be performed as well such as opening a door, starting a car, or renting a parking space.

Abstract: Disclosed herein are methods for providing browser payment request application programming interface for simplifying a payment process on a site. The method includes presenting, on a graphical user interface managed by a browser, a presentation, the presentation being received from a site over a network, receiving, via the user interface and from a user, an interaction with the presentation, receiving, at the browser and via a browser payment request application programming interface that manages communication of data between the site and the browser for processing a payment, a request from the site for payment data for the user and transmitting, to the site and via the browser payment request application programming interface, the payment data, wherein the payment data can be used to process a payment.