Patent ID: 8371502

Claim:
A machine to activate an offer purse associated with a gift card, promotional offer, and cardholder and to deduct a predetermined portion of a transaction amount from the offer purse, the machine comprising: one or more processors positioned to execute a computer program stored in a non-transitory computer medium accessible by the one or more processors, the computer program being executed to perform the steps of: activating the offer purse associated with the gift card, the promotional offer, and the cardholder, the gift card having a bank identification number and a unique cardholder account number, and the unique cardholder account number being associated with the offer purse and a purchase purse for holding funds of the cardholder that are attributable to purchases made with the gift card; crediting the predetermined portion of the transaction amount associated with the promotional offer to the offer purse, the offer purse holding the predetermined portion of the transaction amount so that the predetermined portion can be deducted when the promotional offer is fulfilled using the gift card; notifying the cardholder of the promotional offer associated with the over purse and the gift card; determining, responsive to a transaction request from a merchant when use of the gift card occurs, whether the offer purse associated with the gift card is associated with the transaction request; and deducting, responsive to determining that the transaction request is associated with the offer purse, the predetermined portion of the transaction amount from the offer purse and a remaining portion of the transaction amount from the purchase purse.