Source: https://patents.justia.com/patent/10346833
Timestamp: 2019-08-25 14:47:11
Document Index: 37358962

Matched Legal Cases: ['§ 1', 'Application No. 112012001269', 'Application No. 112012001269', 'Application No. 112012001269', 'Application No. 112012001269', 'Application No. 2', 'Application No. 2', 'Application No. 2', 'Application No. 2', 'Application No. 2', 'Application No. 2012229015', 'Application No. 2012229015', 'Application No. 2015268643', 'Application No. 2015268643', 'Application No. 2015268643']

US Patent for Gift card conversion and digital wallet Patent (Patent # 10,346,833 issued July 9, 2019) - Justia Patents Search
Justia Patents Electronic ShoppingUS Patent for Gift card conversion and digital wallet Patent (Patent # 10,346,833)
A method and a system convert the value of a gift card for use with a mobile device. The value of the gift card is determined from an issuer of the gift card. The value of the gift card is stored in a digital payment account in a storage device. The digital payment account stores values of gift cards from issuers. A financial transaction corresponding to the issuer of the gift card is performed on the digital payment account. The value of a first gift card from a first issuer of a first digital payment account is exchanged with the value of a second gift card from a second issuer of a second digital payment account.
This application is a Continuation of U.S. application Ser. No. 15/960,946, filed Apr. 24, 2018, which is a Continuation of U.S. application Ser. No. 15/645,045, filed Jul. 10, 2017, which is a Continuation of U.S. application Ser. No. 14/230,626, filed Mar. 31, 2014, now Issued as U.S. Pat. No. 9,727,856, which is a Continuation of U.S. application Ser. No. 13/970,454, filed on Aug. 19, 2013, now Issued as U.S. Pat. No. 8,701,982, which is a Continuation of U.S. application Ser. No. 13/341,142, filed on Dec. 30, 2011, now Issued as U.S. Pat. No. 8,511,543, which is a Continuation of U.S. application Ser. No. 13/050,699, filed on Mar. 17, 2011, now Issued as U.S. Pat. No. 8,523,054, all of which applications are incorporated herein by reference in their entirety.
A mobile device 132 may also be in communication with the network-based publisher 102 via a web server 120. The mobile device 132 may include a portable electronic device providing at least some of the functionalities of the client machines 106 and 108. The mobile device 132 may include a third party application 116 (or a web client) configured communicate with applications 122.
The balance retriever module 304 retrieves the value of the gift card from an issuer of the gift card based on the received data (e.g., digital picture, bar code, RFID tag, magnetic strip) from the gift card transmitted by the mobile device 132. In one embodiment, the balance retriever module 304 communicates with the issuer of the gift card via a network to obtain the current or latest balance or value of the gift card. In another embodiment, the balance retriever module 304 communicates with a third party to determine the latest balance or value of the gift card.
The redemption module 406 displays a digital image of the gift card for the financial transaction. For example, when the user is ready to redeem his/her gift card, the user can display an image of the gift card on his/her mobile device 132 to perform a financial transaction. A cashier at a store of the issuer would then scan the mobile device 132 to redeem the gift card. For example, the cashier at the XV Z store would scan a bar code displayed on the mobile device 132 of the user to access the balance of the corresponding gift card. If there is enough money in the gift card, the financial transaction proceeds. If there is not enough money in the gift card, the user of the mobile device 132 is then notified and asked to pay using an alternative method.
FIG. 6 is a block diagram of an example of a data structure 600 for storing a gift card in the digital wallet. The data structure 600 includes but is not limited to the name of the issuer 602 the latest balance of the gift card 604, the terms of the gift card 606, a linked financial account of a user 608, a digital picture of the gift card 610, a digital picture of the bar code 612, and a serial number of the gift card 614.
The Abstract of the Disclosure is provided to comply with 37 CFR. § 1.72(b), requiring an abstract that will allow the reader to quickly ascertain the nature of the technical disclosure. It is submitted with the understanding that it will not be used to interpret or limit the scope or meaning of the claims. In addition, in the foregoing Detailed Description, it can be seen that various features are grouped together in a single embodiment for the purpose of streamlining the disclosure. This method of disclosure is not to be interpreted as reflecting an intention that the claimed embodiments require more features than are expressly recited in each claim. Rather, as the following claims reflect, inventive subject matter lies in less than all features of a single disclosed embodiment. Thus the following claims are hereby incorporated into the Detailed Description, with each claim standing on its own as a separate embodiment.
receiving a request to trade a first gift card from a first issuer with a second gift card from a second issuer;
in response to the request: exchanging the value of the first gift card in a first digital payment account with the value of the second gift card in a second digital payment account; transferring a captured digital image of the first gift card from a first digital wallet of a first user to a second digital wallet of a second user, the captured digital image of the first gift card for use by the second user; and transferring a captured digital image of the second gift card from a second digital wallet of the second user to the first digital wallet, the captured digital image of the second gift card for use by the first user, the first gift card and the second gift card listed for exchange in the gift card exchange market.
determining a value of the first gift card from the first issuer of the first gift card, and a value of the second gift card from the second issuer of the second gift card;
storing the value of the first gift card in the first digital payment account, the value of the second gift card in the second digital payment account; and
performing a first financial transaction corresponding to the first issuer of the first gift card on the first digital payment account, and a second financial transaction corresponding to the second issuer of the second gift card on the second digital payment account.
receiving an image of the first gift card via an optical input of a mobile device associated with the digital payment account, the image of the first gift card comprising a machine-readable symbol;
querying the value of the first gift card based on the image of the first gift card; and
linking the value of the first gift card with a financial account of the first user of the mobile device.
displaying the image of the first gift card on the mobile device for the first financial transaction;
retrieving an updated value of the first gift card after the first financial transaction; and
updating the first gift card balance in the first digital payment account and the financial account of the first user of the mobile device.
linking the value of the first gift card with a new disposable gift card financial account of the user of the mobile device, the new disposable gift card financial account being deleted when the gift card balance is zero.
updating the first digital payment account with the value of the second gift card; and
updating the second digital payment account with the value of the first gift card.
7. A non-transitory computer-readable storage medium storing a set of instructions that, when executed by a processor, causes the processor to perform operations, comprising:
in response to the request: exchanging the value of the first gift card in a first digital payment account with the value of the second gift card in a second digital payment account; transferring captured digital image of the first gift card from a first digital wallet of a first user to a second digital wallet of a second user, the captured digital image of the first gift card for use by a second user; and
transferring a captured digital image of the second gift card from the second issuer from a second digital wallet of the second user to the first digital wallet, the captured digital image of the second gift card for use by the first user, the first gift card and the second gift card listed for exchange in the gift card exchange market.
querying the value of the first gift card from the first issuer of the gift card based on the image of the first gift card; and
11. The non-transitory computer-readable storage medium of claim 10, the operations further comprising:
12. The non-transitory computer-readable storage medium of claim 7, the operations further comprising:
executable instructions accessible on a computer-readable medium that, when executed, cause the one or more processors to perform operations comprising: receiving a request to trade a first gift card from a first issuer with a second gift card from a second issuer; in response to the request: exchanging the value of the first gift card in a first digital payment account with the value of the second gift card in a second digital payment account; transferring a captured digital image of the first gift card from a first digital wallet of a first user to a second digital wallet of a second user, the captured digital image of the first gift card for use by a second user; and transferring a captured digital image of the second gift card from the second issuer from a second digital wallet of the second user to the first digital wallet, the captured digital image of the second gift card for use by the first user, the first gift card and the second gift card listed for exchange in the gift card exchange market.
14. The computer system of claim 13, the operations further comprising:
15. The computer system of claim 14, the operations further comprising:
16. The computer system of claim 14, the operations further comprising:
17. The computer system of claim 16, the operations further comprising:
18. The computer system of claim 13, the operations further comprising:
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Patent number: 10346833
Patent Publication Number: 20190026726
Inventors: Steve Yankovich (San Jose, CA), Ryan Melcher (Ben Lomond, CA), Robert Dean Veres (Los Gatos, CA)
International Classification: G06Q 20/32 (20120101); G06Q 20/34 (20120101); G06Q 30/06 (20120101); G06Q 20/36 (20120101); G06Q 40/04 (20120101); G06Q 20/28 (20120101);