| 摘要 |
Managing remainder amounts of a gift card using existing payment accounts such as a credit/debit card provides benefits. A system receives an identification of a giver and recipient of a gift card. A policy manages how the gift card is redeemed when the recipient makes a purchase using a recipient credit or debit card account. When the recipient makes a purchase using an existing credit/debit card according to the policy, the gift card amount is applied to the transaction. If the purchase does not exceed the gift card amount, a remainder amount on the gift card exists. After the qualifying purchase by the recipient, the remainder amount on the gift card can be transferred to at least one of the recipient account and the giver account according to the policy. The remainder amount of the gift card is never forgotten or lost.
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