SYSTEMS AND METHODS FOR MANAGING GIFT CARDS

摘要

A system for linking a gift card with a financial account of a financial service provider may include one or more memory devices storing instructions and one or more processors configured to receive gift card data including a credit balance of a gift card associated with a user. The processor may be configured to determine a financial account of the user with the financial service provider and associate the gift card data with the financial account of the user. Additionally, the processor may be configured to receive transaction data for a purchase transaction of the user at a merchant. The transaction data may include an identifier of the financial account of the user. Based on the identifier of the financial account of the user, the processor may be further configured to apply at least a portion of the credit balance of the gift card to the purchase transaction.

主权项

1. A system for linking a gift card with a financial account of a financial service provider, comprising:
one or more memory devices storing instructions; one or more processors configured to execute the instructions to:
receive gift card data associated with a user, wherein the gift card data includes a credit balance of a gift card;determine a financial account of the user with the financial service provider;associate the gift card data with the financial account of the user;receive transaction data for a purchase transaction of the user at a merchant, wherein the transaction data includes an identifier of the financial account of the user; andbased on the identifier of the financial account of the user, apply at least a portion of the credit balance of the gift card to the purchase transaction and apply a remaining balance of the purchase transaction to the financial account of the user.