Systems and methods for real-time virtual gift card purchasing
US11816658B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Nov 2, 2022 |
| Grant date | Nov 14, 2023 |
| Priority date | — |
| Expiry date | Nov 2, 2042 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/4016
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A computer-implemented method for allowing purchase of virtual gift cards includes receiving a communication indicating a gift card type and specifying a value amount. Responsive to the communication, a purchase of a virtual gift card of that type and storing that value amount is processed. This processing includes processing a payment for the specified value amount. Further, a gift card merchant application programming interface (API) capable of processing a purchase of a virtual gift card of the indicated gift card type is identified from amongst a set of such APIs. That API is used to initiate purchase of the virtual gift card. After the purchase is processed, an indication of the purchased virtual gift card is sent to a mobile computing device. The mobile computing device uses the indication to configure itself to allow transactions using the purchased virtual gift card to be initiated. Fraud detection may also be performed.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.