公开(公告)号：US20140258019A1

公开(公告)日：2014-09-11

申请号：US13791122

申请日：2013-03-08

Applicant: ORBIS PATENTS, LTD.

Inventor： Oran CUMMINS ,  Stephen DOYLE

IPC: G06Q30/06

CPC classification number: G06Q30/0621

Abstract: A method for processing a personalized gift card transaction includes: receiving a gift card request from a consumer associated with a payment account, the request including a usage amount, a plurality of merchant identifiers, an account identifier associated with the payment account, and a message; identifying a personalized gift card number; storing a gift card data entry including the personalized gift card number, usage amount, plurality of merchant identifiers, account identifier, and message; transmitting the personalized gift card number; receiving an authorization request for a financial transaction not involving the consumer, the request including the personalized gift card number, a transaction amount, and at least one merchant identifier of the plurality of merchant identifiers; processing the financial transaction including updating, in the database, the usage amount of the gift card data entry based on the transaction amount; and transmitting the message to a recipient of the personalized gift card.

Abstract translation: 一种用于处理个性化礼品卡交易的方法包括：从与支付帐户相关联的消费者接收礼品卡请求，所述请求包括使用量，多个商家标识符，与支付帐户相关联的帐户标识符和消息 ; 识别个性化礼品卡号码; 存储包括个性化礼品卡号，使用量，多个商家标识符，帐户标识符和消息的礼品卡数据条目; 发送个性化礼品卡号码; 接收不涉及消费者的金融交易的授权请求，所述请求包括所述个性化礼品卡号，交易金额以及所述多个商家标识符中的至少一个商家标识符; 处理金融交易，包括在数据库中更新基于交易金额的礼品卡数据输入的使用量; 并将消息发送到个性化礼品卡的接收者。