Systems and methods for transferring a gift using an information storage and communication system
AssigneeWells Fargo Bank, N.A.
InventorAl Hecht
Life of this patent
Estimating the term…
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.
Claims11
A method, comprising:
- connecting, by one or more processors of a wallet computing system, with a plurality of third-party computing systems having wallet adapters;
- 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 a wallet adapter located within a third-party computing system of the plurality of third-party computing systems;
- storing, by the one or more processors, the transaction information in a cloud storage computing system configured to manage the transaction information, 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, wherein the transaction information comprises a gift;
- 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 for the gift to be redeemed at a location corresponding to the third-party computing system.
Dependencies are inferred from the claim text.