Smart gift systems and methods

A method for delivering and distributing digital, and programmable comprising:

• receiving, at a smart reward system, a request from a reward sender for a smart reward, the request including at least one customizable constraint and a specified value parameter;
• segregating, at the smart reward system, the specified value into a holding account;
• creating, at the smart reward system, the smart reward having the at least one user customizable constraint and a specified value;
• receiving, at the smart reward system, a claim to the smart reward from a potential reward recipient;
• receiving, at the smart reward system, authorization for access to at least one online account of the potential reward recipient;
• matching, at a constraint matching engine, a transaction in the at least one online account of the potential reward recipient to the at least one customizable constraint;
• and
• transferring, using a payment processor, at least a portion of the specified value to an account of the potential reward recipient in response to the matching.

A system comprising:

• one or more computers and one or more storage devices on which are stored instructions that are operable, when executed by the one or more computers, to cause the one or more computers to perform operations comprising:
• receiving, at a smart gift system, a request from a gift sender for a smart gift, the smart gift including at least one user customizable constraint and a specified value;
• creating, at the smart gift system, the smart gift having the at least one user customizable constraint and the specified value;
• receiving, at the smart gift system, a claim to the smart gift from a potential gift recipient;
• receiving, at the smart gift system, authorization for access to at least one account of the potential gift recipient;
• matching, at a constraint matching engine, a transaction reflected in the at least one account of the potential gift recipient to the at least one customizable and programmable constraint;
• and
• transferring, using a payment processor, at least a portion of the specified value to an account of the potential gift recipient in response to the matching.