SYSTEM AND METHOD FOR CONFIRMING APPLICATION OF A GIFT TO A TRANSACTION
Disclosed herein are systems, methods, and non-transitory computer-readable storage media for confirming redemption of a gift according to a detected qualifying transaction. A system practicing the method determines, according to a policy, that a recipient has made a qualifying transaction via a recipient account, wherein the policy indicates that the qualifying transaction triggers a transfer of a gift amount to the recipient account. The system sends to the recipient a confirmation request associated with the qualifying transaction, and, upon receiving an affirmative response to the confirmation request, applies at least a portion of the gift amount to the recipient account. In this way, a recipient or other party has some control over which qualifying transactions trigger application of the gift.
1 . A method comprising:
determining, according to a policy, that a recipient has made a qualifying transaction via a recipient account, wherein the policy indicates that the qualifying transaction triggers a transfer of a gift amount to the recipient account;
sending to the recipient a confirmation request associated with the qualifying transaction; and
upon receiving an affirmative response to the confirmation request, applying at least a portion of the gift amount to the recipient account.
2 . The method of claim 1 , wherein the affirmative response is associated with a portion of the gift amount.
3 . The method of claim 1 , wherein the confirmation request is sent via at least one of email, text message, social media, automated spoken dialog system, a phone call, mail, and part of an account statement.
4 . The method of claim 1 , wherein the confirmation request includes details of the qualifying transaction.
5 . The method of claim 4 , wherein the details comprise at least one of a purchase amount, a purchase time, an item identifier, an account number, a merchant name, and a merchant location.
6 . The method of claim 1 , further comprising:
sending a separate confirmation request to a giver associated with the gift amount; and
applying at least a portion of the gift amount to the recipient account after receiving a separate affirmative response from the giver.
7 . The method of claim 1 , wherein the affirmative response is generated automatically based on a rule previously established by the recipient.
8 . The method of claim 1 , further comprising:
if a negative response to the confirmation request is received, refusing to apply at least a portion of the gift amount to the recipient account.
9 . A system comprising:
a processor;
a memory storing instructions for controlling the processor to perform steps comprising:
determining, according to a policy, that a recipient has made a qualifying transaction via a recipient account, wherein the policy indicates that the qualifying transaction triggers a transfer of a gift amount to the recipient account;
sending to the recipient a confirmation request associated with the qualifying transaction; and
upon receiving an affirmative response to the confirmation request, applying at least a portion of the gift amount to the recipient account.
10 . The system of claim 9 , wherein the affirmative response is associated with a portion of the gift amount.
11 . The system of claim 9 , wherein the confirmation request is sent via at least one of email, text message, social media, automated spoken dialog system, a phone call, mail, and part of an account statement.
12 . The system of claim 9 , wherein the confirmation request includes details of the qualifying transaction.
13 . The system of claim 12 , wherein the details comprise at least one of a purchase amount, a purchase time, an item identifier, an account number, a merchant name, and a merchant location.
14 . The system of claim 9 , the instructions further controlling the processor to perform steps comprising:
sending a separate confirmation request to a giver associated with the gift amount; and
applying at least a portion of the gift amount to the recipient account after receiving a separate affirmative response from the giver.
15 . The system of claim 9 , wherein the affirmative response is generated automatically based on a rule previously established by the recipient.
16 . The system of claim 9 , the instructions further controlling the processor to perform steps comprising:
if a negative response to the confirmation request is received, refusing to apply at least a portion of the gift amount to the recipient account.
17 . A non-transitory computer-readable storage medium storing instructions which, when executed by a computing device, cause the computing device to perform steps comprising:
determining, according to a policy, that a recipient has made a qualifying transaction via a recipient account, wherein the policy indicates that the qualifying transaction triggers a transfer of a gift amount to the recipient account;
sending to the recipient a confirmation request associated with the qualifying transaction; and
upon receiving an affirmative response to the confirmation request, applying at least a portion of the gift amount to the recipient account.
18 . The non-transitory computer-readable storage medium of claim 17 , wherein the affirmative response is associated with a portion of the gift amount.
19 . The non-transitory computer-readable storage medium of claim 17 , wherein the confirmation request is sent via at least one of email, text message, social media, automated spoken dialog system, a phone call, mail, and part of an account statement.
20 . The non-transitory computer-readable storage medium of claim 17 , wherein the confirmation request includes details of the qualifying transaction.