System and method for targeted marketing and consumer resource management

US10672022B2 · kind B2 · utility

Assignee

• Blackhawk Network, Inc. · US

Inventors

• Mark E. Roberts · Clemson, US
• Jennifer K. Mathe · Irvine, US
• Khanh Nguyen · Milpitas, US

Key dates

• Filing date: Sep 11, 2017
• Grant date: Jun 2, 2020
• Expiry date: May 16, 2038

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q50/01
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods are provided for providing gift card exchange opportunities to consumers. For example, a consumer may elect to trade registered gifts cards by selecting the gift cards to swap and indicating the value of the card to be swapped. Cards may be digitally swapped, for example, via a universal transaction card, or gift cards may be cancelled and replaced with one or more new cards and partial gift card values may be exchanged. The consumer may use a consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.