Gift Card E-Bank

摘要

Disclosed herein are method, system and computer-readable storage media for gift card e-banking. This is a unique platform, where people can deposit and withdraw gift cards of any store, of any denomination, at any time and at any place from the bank. Gift cards are converted into virtual money not affiliated with any store. Unlike traditional banking system majority of transactions are in the form of gift cards. Customers have two types of accounts, gift card money account and fixed account. The gift cards deposited in the bank account are available to all the customers. Cards deposited in the fixed account are only available to the customer who owns that account. Customer may transfer gift card/virtual money from one account to another account. Gift card e-bank also issues its own gift card known as “one gift card”, which facilitates customers to use any gift card at any store.

主权项

1. A method of gift card e-banking comprising:
a) receiving request from a customer for opening at least one type of account; b) opening at least one type of account and issuing at least one account number to said customer; c) receiving request from the customer to deposit at least one gift card of any store and of any amount in the customer account; d) depositing the gift card amount in the customer account; e) charging processing fee from the customer; f) depositing the gift card received from all the customers in a bank account; g) receiving request from the customer to withdraw at least one gift card of any store and of any denomination from the bank account; h) performing transaction of gift card withdrawal by transferring the requested gift card from the bank account to the customer account; i) receiving request from the customer to transfer at least one gift card in the customer account, any gift card amount in the customer account, and combinations thereof from one account to another account; and j) performing transaction of transferring at least one gift card in the customer account, any gift card amount in the customer account, and combinations thereof from one account to another account.