Systems for providing and processing surprise conditional gifts

Patent metadata

Field	Value
Publication number	US-10410207-B1
Application number	US-201816014403-A
Country	US
Kind code	B1
Filing date	Jun 21, 2018
Priority date	Jun 21, 2018
Publication date	Sep 10, 2019
Grant date	Sep 10, 2019

Abstract

A method for providing a gift includes receiving gift information comprising data indicative of a gift type, a maximum gift amount, a gift recipient, and a first financial account from a first computing device associated with a gifter and via a software application. The first financial account being associated with the gifter and the gift recipient having preregistered user account with the software application. The method includes identifying one or more recipient financial accounts associated with the gift recipient including at least a second financial account. The method includes identifying a gift-eligible transaction that is associated with the second financial account by monitoring transaction data associated with the one or more recipient financial accounts. The method includes transmitting a gift notification to a second computing device and outputting an instruction to initiate a transfer of a gift amount from the first financial account to the second financial account.

First claim

The invention claimed is:

1. A method for providing a gift, comprising:
receiving, from a first computing device associated with a gifter via a software application, gift information comprising data indicative of a gift type, a maximum gift amount, a gift recipient, and a first financial account, wherein the first financial account is associated with the gifter and the gift recipient has a preregistered user account with the software application;
identifying one or more recipient financial accounts associated with the gift recipient including at least a second financial account;
identifying, based on monitoring of transaction data associated with the one or more recipient financial accounts, a gift-eligible transaction that is associated with the second financial account;
transmitting a gift notification and an electronic lock to a second computing device, the second computing device being associated with the gift recipient, wherein the electronic lock comprises an electronic lock prompt, wherein the electronic lock prompt comprises a clue and an electronic lock interface, wherein the electronic lock interface comprises one or more fields that are configured to receive user input;
receiving, from the second computing device via the electronic lock interface, an attempted lock solution;
determining whether the attempted lock solution matches a lock solution;
responsive to determining that the attempted lock solution matches the lock solution, outputting an instruction to initiate a transfer of a gift amount from the first financial account to the second financial account;
responsive to determining that the attempted lock solution does not match the lock solution, transmit a failed attempt notification to the first computing device, wherein the failed attempt notification comprises the attempted lock solution;
receiving from the first computing device a remote unlock instruction; and
outputting the instruction to initiate the transfer of the gift amount from the first financial account to the second financial account based on the remote unlock instruction.

2. The method of claim 1 , wherein identifying one or more recipient financial accounts comprises identifying one or more account numbers associated with the gift recipient's preregistered user account.

3. The method of claim 1 , wherein the first financial account and the second financial account are associated with a same financial institution and monitoring of transaction data associated with the one or more accounts associated with the gift recipient occurs in real-time.

4. The method of claim 1 , wherein the first financial account is associated with a first financial institution and the second financial account is associated with a second financial institution and monitoring of transaction data associated with the one or more accounts associated with the gift recipient is performed by batch processing.

5. The method of claim 1 , wherein the gift type comprises an identification of one or more redemption merchants at which the gift is authorized to be used, the one or more redemption merchants being selected by the gifter.

6. The method of claim 5 , further comprising: receiving, for each of a plurality of attempted transactions associated with the transaction data associated with the one or more accounts associated with the gift recipient, a merchant code associated with a respective attempted transaction.

7. The method of claim 6 , wherein identifying the gift-eligible transaction comprises:
identifying, based on the merchant code of each of the plurality of attempted transactions, a merchant associated with each respective transaction; and
determining that the merchant associated with the gift-eligible transaction matches one of the one or more redemption merchants.

8. The method of claim 1 , wherein the gift type comprises a gift type category that corresponds to a plurality of redemption merchants.

9. The method of claim 1 , wherein the gift notification comprises a message for display on the second computing device that identifies the gifter, the gift-eligible transaction, and the gift amount.

10. The method of claim 1 , wherein outputting an instruction to transfer the gift amount occurs in response to identifying the gift-eligible transaction that is associated with the second financial account.

11. The method of claim 1 , further comprising:
determining that the gift amount is equal to an attempted transaction amount associated with the gift-eligible transaction in response to determining that the attempted transaction amount is less than or equal to the maximum gift amount; and
determining that the gift amount is equal to the maximum gift amount in response to determining that the attempted transaction amount is greater than the maximum gift amount.

12. A method for providing a gift, comprising:
receiving a gift issuance notification associated with a gifter, the gift issuance notification comprising data indicative of a gift recipient and gift limitations comprising:
a maximum gift amount; and
a gift type;

determining, based on the gift type, one or more redemption merchants;
monitoring a plurality of transaction authorization requests, wherein each of the plurality of transaction authorization requests comprises:
an attempted transaction account number representative of a financial account used to make an attempted transaction associated with the transaction authorization request;
an attempted transaction date;
an attempted transaction amount; and
a merchant code;

detecting, from among the plurality of transaction authorization requests, a gift transaction authorization request, wherein the attempted transaction account number associated with the gift transaction authorization request corresponds to a financial account associated with the gift recipient;
determining, based on the merchant code associated with the gift transaction authorization request, an identification of a merchant associated with the gift transaction authorization request;
determining that the identity of the merchant associated with the gift transaction authorization request matches one of the one or more redemption merchants;
transmitting a gift notification and an electronic lock to a computing device associated with the gift recipient, wherein the electronic lock comprises an electronic lock prompt, wherein the electronic lock prompt comprises a clue and an electronic lock interface, wherein the electronic lock interface comprises one or more fields that are configured to receive user input;
receiving, from the computing device associated with the gift recipient via the electronic lock interface, an attempted lock solution;
determining whether the attempted lock solution matches a lock solution;
responsive to determining that the attempted lock solution matches the lock solution, outputting an instruction to transfer a gift amount from a financial account associated with the gifter to the financial account associated with the recipient;
responsive to determining that the attempted lock solution does not match the lock solution, transmit a failed attempt notification to the first computing device, wherein the failed attempt notification comprises the attempted lock solution;
receiving from the first computing device a remote unlock instruction; and
outputting the instruction to initiate the transfer of the gift amount from the financial account associated with the gifter to the financial account associated with the recipient based on the remote unlock instruction.

13. The method of claim 12 , wherein determining one or more redemption merchants comprises searching a table to ide

Assignees

• Capital One Services Llc

Inventors

• Butler Taurean
• Berglund Christine
• Vukich Adam
• Greenberg Jessica
• Hart Colin
• Bulgakov Mykhaylo
• Ji Jason
• Gibilterra Kaylyn

Classifications

• G06Q20/108

  Remote banking, e.g. home banking · CPC title

• G06Q20/387

  Payment using discounts or coupons (relating to marketing G06Q30/02) · CPC title

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title

• G06Q20/351 Primary

  Virtual cards · CPC title

• G06Q20/356

  Aspects of software for card payments · CPC title