Patent ID: 8392306

Claim:
A transfer instrument issuer system, comprising: a) a physical computer hardware database server having a database computer software application process executing on the physical computer hardware database server programmed for receiving a request via a computer software interface application process executing on a physical computer hardware interface server from a first party entered by the first party on a first party personal computer software application process executing on a physical hardware first party personal computer for a gift certificate for a second party having a name, the gift certificate being a computer-generated indication of a charge account, obtained by the transfer instrument issuer from an account issuer different from the transfer instrument issuer, but without both an issuance and provision of a physical card for the charge account or provision of a presentable gift certificate to the second party, the charge account: i) being usable solely in the name of the second party; ii) having an associated first party selectable account parameter; and iii) being capable of having a purchase made using the account authorized using an authorization infrastructure of a card association associated with an account issuer; b) the database computer software application process executing on the physical computer hardware database server being also programmed for informing the second party of the account; and c) the database computer software application process executing on the physical computer hardware database server being further programmed for activating the account for usage by the second party.