Systems and methods for transferring a gift using an information storage and communication system

Patent metadata

Field	Value
Publication number	US-12321970-B2
Application number	US-202418594901-A
Country	US
Kind code	B2
Filing date	Mar 4, 2024
Priority date	Mar 29, 2013
Publication date	Jun 3, 2025
Grant date	Jun 3, 2025

Abstract

Systems and methods for using an information wallet system to deliver a gift and receive, redeem, or re-gift the gift are disclosed. The information wallet system's storage is securely maintained by a financial institution computing system (i.e. a bank) and receives and holds purchase transaction information. Purchase information transaction may be received from a user computing device or an entity computing system, such as a merchant computing system. In one embodiment, a user may purchase a gift through an online website or at a brick and mortar location and direct the gift to be deposited into the information wallet storage of a recipient. A recipient may then continue to hold the gift, redeem the gift, or re-gift the gift to another party.

First claim

What is claimed is:

1. A method, comprising:
connecting, by one or more processors of a wallet computing system, with a third-party computing system having a wallet adapter;
establishing, by the one or more processors, responsive to a request, security settings for purchase transactions stored at a cloud computing system, the security settings comprising at least two levels of security;
receiving, by the one or more processors, transaction information into the wallet computing system, the transaction information being transmitted from the wallet adapter of the third-party computing system;
storing, by the one or more processors, the transaction information in a cloud storage computing system configured to receive the transaction information and enforce the security settings with respect to the transaction information being-transferred in and out of the cloud storage computing system, respective portions of the transaction information stored according to the at least two levels of security established in the security settings; and
depositing, by the one or more processors, the transaction information into a wallet account of a recipient maintained by the cloud storage computing system, the wallet account storing the transaction information over a period of time.

2. The method of claim 1 , wherein the transaction information comprises a gift that is redeemable during the period of time.

3. The method of claim 1 , wherein the transaction information comprises a gift to be redeemed at a location corresponding to the third-party computing system.

4. The method of claim 1 , wherein receiving the transaction information comprises:
receiving, by the one or more processors, a request to transfer the transaction information into the wallet computing system from the wallet adapter located within the third-party computing system; and
transferring, by the one or more processors, responsive to authorizing the request, the transaction information into the wallet computing system from the wallet adapter located within the third-party computing system.

5. The method of claim 4 , further comprising synchronizing, by the one or more processors, responsive to transferring the transaction information, the transaction information with the third-party computing system.

6. The method of claim 1 , wherein the transaction information comprises a gift, and further comprising:
receiving, by the one or more processors, from the third-party computing system, a request to modify the gift based on the recipient; and
modifying, by the one or more processors, responsive to the request, the gift included in the transaction information based on the recipient.

7. The method of claim 1 , wherein the transaction information comprises a gift, and further comprising transmitting, by the one or more processors, after the period of time, the gift from the wallet account of the recipient to the wallet adapter located within the third-party computing system.

8. The method of claim 1 , wherein the transaction information is a first transaction information comprising a first gift, and further comprising combining, by the one or more processors, responsive to a request from the third-party computing system, the first gift with a second gift included in a second transaction information received from the wallet computing system.

9. The method of claim 1 , further comprising:
receiving, by the one or more processors, into the wallet computing system, a request from the third-party computing system to retrieve the transaction information from the wallet account; and
transmitting, by the one or more processors, from the wallet computing system, the transaction information to the third-party computing system, the third-party computing system receiving the transaction information through the wallet adapter.

10. The method of claim 9 , further comprising retrieving, by the one or more processors, responsive to the request, the transaction information from the cloud storage computing system, wherein retrieving the transaction information from the cloud storage computing system comprises:
authorizing, by the one or more processors, based on the security settings, the request to retrieve the transaction information to the cloud storage computing system; and
retrieving, by the one or more processors, responsive to authorizing the request, the transaction information from the cloud storage computing system.

11. The method of claim 1 , wherein the transaction information comprises a gift, wherein the gift is delivered to a financial institution computing system at the request of a buyer who deposits the gift into the wallet account of the recipient held at the financial institution computing system, the gift being held over the period of time for redemption.

12. The method of claim 11 , wherein delivering the transaction information to the third-party computing system comprises:
receiving, by the one or more processors, from the third-party computing system, a redemption option for the gift; and
transmitting, by the one or more processors, via the wallet computing system, based on the redemption option for the gift, the transaction information to the third-party computing system, the third-party computing system receiving the transaction information through the wallet adapter.

13. The method of claim 1 , further comprising transmitting, by the one or more processors, requests to the third-party computing system for information to deposit into a financial institution computing system, the financial institution computing system basing the requests on previous transactions made from related accounts held by the recipient at the financial institution computing system, and pairing information received from the third-party computing system.

14. The method of claim 1 , further comprising connecting with a plurality of third-party computing systems having a plurality of wallet adapters, wherein the third-party computing system is one of the plurality of third-party computing systems, and wherein the wallet adapter is one of the plurality of wallet adapters.

15. The method of claim 1 , wherein the cloud storage computing system is configured to manage the transaction information.

16. A wallet computing system comprising one or more processors, the wallet computing system configured to:
connect, by the one or more processors, with a third-party computing system having a wallet adapter;
establish, by the one or more processors, responsive to a request, security settings for purchase transactions stored at a cloud computing system, the security settings comprising at least two levels of security;
receive, by the one or more processors, transaction information into the wallet computing system, the transaction information being transmitted from the wallet adapter of the third-party computing system;
store, by the one or more processors, the transaction information in a cloud storage computing system configured to receive the transaction information and enforce the security settings with respect to the transaction information being transferred in and out of the cloud storage computing system, respective portions of the transaction information stored according to the at least two levels of security established in the security settings; and
deposit, by the one or more processors, the transaction information into a wallet account of a recipient maintained by the cloud storage computing system, the wallet account storing the transaction information over a period of time.

17. The wallet computing system of claim 16 , wherein the transaction

Assignees

• Wells Fargo Bank Na

Inventors

• Hecht Al

Classifications

• G06Q20/342

  Cards defining paid or billed services or quantities · CPC title

• G06Q20/36

  using electronic wallets or electronic money safes · CPC title

• B42D25/285

  Gift cards · CPC title

• G06Q20/363

  with the personal data of a user · CPC title

• G06Q30/0601 Primary

  Electronic shopping [e-shopping] · CPC title