# US 2019/0347644 A1 · Mobile Device Enablement of Universal Prepaid Cards > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2019/0347644 A1 - Document ID: US20190347644A1 - Status: Published application - Kind: A1 - Application number: 16/520,937 - Filed: 2019-07-24 - Published: 2019-11-14 - Earliest claimed: 2016-03-15 - Assignees: Cray Pay Inc. - Applicants: Cray Pay Inc. - Inventors: Marshall Greenwald; Jared McClure; Michael Greenwald - Web page: https://patentgrep.com/patent/US20190347644A1 ## CPC - G06Q 20/3224: {Transactions dependent on location of M-devices} - G06K 7/1413: {1D bar codes} - G06K 19/06028: {using bar codes} - G06Q 20/28: Pre-payment schemes, e.g. "pay before" - G06Q 20/342: {Cards defining paid or billed services or quantities} - G06Q 20/349: {Rechargeable cards} - G06Q 20/36: using electronic wallets or electronic money safes - G06Q 30/0238: at point-of-sale [POS] - G07F 17/26: for printing, stamping, franking, typing or teleprinting apparatus (ticket printing or the like apparatus G07F17/42) - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G06K: GRAPHICAL DATA READING (image or video recognition or understanding G06V); PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS - G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00}) ## Abstract An example embodiment may involve receiving a representation of a location of the mobile device as provided by way of location-determining hardware of the mobile device; transmitting, to the mobile device, representations of one or more merchants with physical presence within a radius of the location; receiving, from the mobile device, representations of a gift card request, a first amount, and a merchant, where the merchant was selected from the one or more merchants; transmitting, to the mobile device, a digital gift card branded by the merchant, where the digital gift card is associated with a code; receiving, from a point-of-sale device associated with the merchant, a request to validate the code, where the code was obtained by the point-of-sale device scanning the code as displayed by the mobile device; and transmitting, to the point-of-sale device, validation of the code. ## Claims ### Claim 1 A computer-implemented method comprising: receiving, by a computing system and from a mobile device, representations of a gift card request, a first amount, and a merchant; debiting, by the computing system, an account associated with the mobile device by a second amount, wherein the second amount is less than the first amount; transmitting, by the computing system and to the mobile device, a digital gift card branded by the merchant, wherein the digital gift card is for the first amount and is associated with a code; receiving, by the computing system and from a scanning device associated with the merchant, a request to validate the code; transmitting, by the computing system and to the scanning device, validation of the code; and providing, by the computing system, a universal prepaid card for a third amount to an account associated with the merchant, wherein the third amount is less than the first amount. ### Claim 2 (depends on 1) The computer-implemented method of claim 1, wherein the third amount is determined by subtracting a marketing fee, a transaction fee, or both, from the first amount. ### Claim 3 (depends on 1) The computer-implemented method of claim 1, wherein the universal prepaid card is redeemable by the merchant for face value within a network of merchants, and wherein the universal prepaid card is redeemable by the merchant for less than the face value in cash. ### Claim 4 (depends on 1) The computer-implemented method of claim 1, further comprising: before transmitting the digital gift card branded by the merchant, allocating a second universal prepaid card for the first amount to the mobile device; and exchanging the second universal prepaid card with the digital gift card. ### Claim 5 (depends on 1) The computer-implemented method of claim 1, wherein the first amount is a value of goods or services purchased from the merchant by way of the mobile device, and wherein the second amount is the first amount minus a discount applied to the value of goods or services purchased. ### Claim 6 (depends on 1) The computer-implemented method of claim 1, wherein the code is from a barcode that identifies the digital gift card. ### Claim 7 (depends on 1) The computer-implemented method of claim 1, further comprising: transmitting, by the computing system and to the mobile device, a second validation of the code, wherein the validation of the code and the second validation of the code both indicate that a purchase of goods or services for the first amount has been successful. ### Claim 8 An article of manufacture including a non-transitory computer-readable medium, having stored thereon program instructions that, upon execution by a computing device, cause the computing device to perform operations comprising: receiving, from a mobile device, representations of a gift card request, a first amount, and a merchant; debiting, an account associated with the mobile device by a second amount, wherein the second amount is less than the first amount; transmitting, to the mobile device, a digital gift card branded by the merchant, wherein the digital gift card is for the first amount and is associated with a code; receiving, from a scanning device associated with the merchant, a request to validate the code; transmitting, to the scanning device, validation of the code; and providing a universal prepaid card for a third amount to an account associated with the merchant, wherein the third amount is less than the first amount. ### Claim 9 (depends on 8) The article of manufacture of claim 8, wherein the third amount is determined by subtracting a marketing fee, a transaction fee, or both, from the first amount. ### Claim 10 (depends on 8) The article of manufacture of claim 8, wherein the universal prepaid card is redeemable by the merchant for face value within a network of merchants, and wherein the universal prepaid card is redeemable by the merchant for less than the face value in cash. ### Claim 11 (depends on 8) The article of manufacture of claim 8, the operations further comprising: before transmitting the digital gift card branded by the merchant, allocating a second universal prepaid card for the first amount to the mobile device; and exchanging the second universal prepaid card with the digital gift card. ### Claim 12 (depends on 8) The article of manufacture of claim 8, wherein the first amount is a value of goods or services purchased from the merchant by way of the mobile device, and wherein the second amount is the first amount minus a discount applied to the value of goods or services purchased. ### Claim 13 (depends on 8) The article of manufacture of claim 8, wherein the code is from a barcode that identifies the digital gift card. ### Claim 14 (depends on 8) The article of manufacture of claim 8, the operations further comprising: transmitting, to the mobile device, a second validation of the code, wherein the validation of the code and the second validation of the code both indicate that a purchase of goods or services for the first amount has been successful. ### Claim 15 A computer-implemented method comprising: receiving, by an application operating on a mobile device, selection of a merchant and a first amount; transmitting, by the application and to a computing system, a representation of a gift card request, the merchant, and the first amount; receiving, by the application and from the computing system, a digital gift card branded by the merchant, wherein the digital gift card is for the first amount and is associated with a code; displaying, by the application, the code; and receiving, by the application and from the computing system, an indication that the merchant has been paid, wherein transmission of the indication was caused by the computing system receiving a representation of the code as scanned by a scanning device, wherein a second amount is credited to an account associated with the merchant as a universal prepaid card, and wherein the second amount is less than the first amount. ### Claim 16 (depends on 15) The computer-implemented method of claim 15, wherein a user of the mobile device is a representative of another merchant. ### Claim 17 (depends on 15) The computer-implemented method of claim 15, wherein reception of the representation of the gift card request, the merchant, and the first amount causes an account associated with the mobile device to be debited by a third amount, and wherein the third amount is less than the first amount. ### Claim 18 (depends on 15) The computer-implemented method of claim 15, wherein the universal prepaid card is redeemable by the merchant for face value within a network of merchants, and wherein the universal prepaid card is redeemable by the merchant for less than the face value in cash. ### Claim 19 (depends on 15) The computer-implemented method of claim 15, wherein the code as displayed by the mobile device comprises a barcode that identifies the digital gift card. ### Claim 20 (depends on 15) The computer-implemented method of claim 15, wherein the merchant is selected from a plurality of merchants displayed on a graphical user interface of the application, wherein the plurality of merchants are all within a given physical distance from the mobile device.