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Patent Searching and Data


Title:
SYSTEMS AND METHODS FOR INTEGRATING MULTI-MEDIA, FINANCIAL, MERCHANT, AND CONSUMER DATA
Document Type and Number:
WIPO Patent Application WO/2019/161404
Kind Code:
A1
Abstract:
A data integration system for use by a plurality of users and a plurality of merchants comprising a control system, a redemption gateway, at least one user device, and at least one merchant terminal. At least one user initiates a redemption process of the at least one gift by transferring at least the local loop redemption card ID to the merchant terminal. The merchant terminal causes the redemption gateway to send gateway transaction data to the control system. The control system generates redemption transaction data and validates the redemption transaction data based on a comparison of at least a portion of the redemption transaction data with at least a portion of the gift data. The control system stores the transaction data, generates a validation amount, and sends validation data to the redemption gateway. The redemption gateway notifies the merchant and pays the merchant the validation amount.

Inventors:
WHELAN, Kevin (211 E Victoria Street, Suite DSanta Barbara, CA, 93101, US)
SUHADOLNIK, Jeffrey, M. (211 E Victoria Street, Suite DSanta Barbara, CA, 93101, US)
Application Number:
US2019/018616
Publication Date:
August 22, 2019
Filing Date:
February 19, 2019
Export Citation:
Click for automatic bibliography generation   Help
Assignee:
AIRSHARE TECHNOLOGIES, LLC (211 E Victoria Street, Santa Barbara, CA, 93101, US)
International Classes:
G06Q20/00; G06Q30/00
Domestic Patent References:
WO2003079159A22003-09-25
WO2015132732A12015-09-11
Foreign References:
US20120303425A12012-11-29
US8489112B22013-07-16
Attorney, Agent or Firm:
SCHACHT, Michael, R. (Schacht Law Offrice, Inc.310 E Magnolia Street, Suite 20, Bellingham WA, 98225, US)
Download PDF:
Claims:
What is claimed is:

1. A data integration system for use by a plurality of users and a plurality of merchants, comprising:

a control system;

a redemption gateway;

at least one user device, where each user device comprises

a consumer application operatively connected to the control system to allow users to

create gifts,

initiate the redemption of gifts, and

provision local loop redemption cards, and

a mobile wallet application configured to utilize local loop

redemption cards, where the mobile wallet application is operatively connected to the redemption gateway;

at least one merchant terminal associated with each merchant, where each merchant terminal is operatively connected to the redemption gateway; wherein

at least one user uses the consumer application to create at least one gift and store gift data associated with the at least one gift; at least one user causes the mobile wallet application to cause the

redemption gateway to provision at least one local loop redemption card based on at least one gift, where the redemption gateway assigns a local loop redemption card ID to each local loop redemption card;

at least one user initiates a redemption process of the at least one gift by transferring at least the local loop redemption card ID to the merchant terminal using the local loop redemption card;

after at least one user initiates the redemption process, the merchant terminal causes the redemption gateway to send gateway transaction data to the control system, where the gateway transaction data includes at least the transaction amount, the local loop redemption card ID, and a gateway transaction ID;

after the control system receives the gateway transaction data, the control system

generates redemption transaction data including at least the

transaction amount, the local loop redemption card ID, the gateway transaction ID, and a redemption transaction ID, validates the redemption transaction data based on a comparison of at least a portion of the redemption transaction data with at least a portion of the gift data, and

if the redemption transaction data is validated,

stores the transaction data,

generates a validation amount, and

sends validation data to the redemption gateway, where the validation data includes at least the gateway transaction ID and the validation amount; and after the redemption gateway receives the validation data, the redemption gateway

notifies the merchant associated with the merchant terminal, and pays the merchant the validation amount.

2. A data integration system as recited in claim 1 , in which:

the gift data includes at least one merchant ID associated with one of the plurality of merchants;

the gateway transaction data further includes the merchant ID associated with the merchant associated with the merchant terminal; and the control system validates the redemption transaction data based at least in part on a comparison of the merchant ID of the redemption transaction data with the merchant ID of the gift data.

3. A data integration system as recited in claim 1 , in which:

the gift data includes at least one merchant class ID associated with one of the plurality of merchants;

the gateway transaction data further includes a merchant class ID

associated with the merchant associated with the merchant terminal; and

the control system validates the redemption transaction data based at least in part on a comparison of the merchant class ID of the redemption transaction data with the merchant class ID of the gift data.

4. A data integration system as recited in claim 1 , in which:

the gift data includes at least one merchant ID and at least one merchant class ID associated with one of the plurality of merchants;

the gateway transaction data further includes the merchant ID and

merchant class ID of the merchant associated with the merchant terminal; and

the control system validates the redemption transaction data based at least in part on a comparison of at least one of

the merchant ID of the redemption transaction data with the

merchant ID of the gift data, and

the merchant class ID of the redemption transaction data with the merchant class ID of the gift data.

5. A data integration system as recited in claim 1 , further comprising: a merchant ID and location data associated with each merchant; and location services capable of determining a location of each user device; wherein

the gift data includes at least one merchant ID associated with at least one merchant; and

the control system validates the redemption transaction data based at least in part on a comparison of the location of the user device and the location data associated with the merchant associated with the merchant ID of the gift data.

6. A data integration system as recited in claim 1 , in which the at least one user device wirelessly transfers the local loop redemption card ID to the merchant terminal.

7. A data integration system as recited in claim 6, in which:

at least one user device comprises near field communications technology; and

the at least one user device wirelessly communicates the local loop

redemption card ID to the merchant terminal using the near field communications technology.

8. A data integration system as recited in claim 6, in which:

at least one user device comprises a display;

the at least one user device displays a visible code representing the local loop redemption card ID; and

the merchant terminal scans the display of the at least one user device to wirelessly communicate the local loop redemption card ID to the merchant terminal.

9. A data integration system as recited in claim 1 , in which:

when the consumer application creates a gift, the user inputs a gift value, and the consumer application further causes the control system to store the gift value as part of the gift data;

when the mobile wallet application provisions a local loop redemption card based on a gift,

the redemption gateway passes the local loop redemption card ID to the control system, and

the control system stores the local loop redemption card ID as part of the gift data; and

the control system further validates the transaction data based on a

comparison of the transaction value and the gift value associated with the local loop redemption card ID forming part of the transaction data.

10. A data integration system as recited in claim 1 , in which:

when the consumer application creates a gift, the user identifies a

merchant, and the consumer application further causes the control system to store a merchant ID associated with the identified merchant as part of the gift data;

the gateway transaction data sent by the redemption gateway to the

control system includes a merchant ID associated the merchant associated with the merchant terminal at which the redemption process is initiated;

the control system stores the merchant ID associated with the merchant terminal at which the redemption process is initiated as part of the transaction data; and

the control system further validates the transaction data based on a

comparison of the merchant ID of the gift data and the merchant ID of the transaction data.

1 1. A data integration system as recited in claim 1 , in which:

when the consumer application creates a gift, the user identifies a

merchant, and the consumer application further causes the control system to store a merchant class ID associated with the identified merchant class as part of the gift data;

the gateway transaction data sent by the redemption gateway to the

control system includes a merchant class ID associated the merchant associated with the merchant terminal at which the redemption process is initiated;

the control system stores the merchant class ID associated with the

merchant terminal at which the redemption process is initiated as part of the transaction data; and

the control system further validates the transaction data based on a

comparison of the merchant class ID of the gift data and the merchant class ID of the transaction data.

12. A method of integrating data generated by a plurality of users and a plurality of merchants comprising the steps of:

providing at least one user device

running on each user device a consumer application operatively to allow users to

create gifts,

initiate the redemption of gifts, and

provision local loop redemption cards, and

running on each user device a mobile wallet application configured to

utilize local loop redemption cards;

operatively connecting the mobile wallet application to a redemption

gateway;

associating at least one merchant terminal with each merchant;

operatively connecting each merchant terminal to the redemption

gateway;

operating the consumer application to create gift data representing at least one gift;

causing the mobile wallet application to cause the redemption gateway to provision at least one local loop redemption card based on at least one gift;

causing the redemption gateway to assign a local loop redemption card ID to each local loop redemption card;

transferring at least the local loop redemption card ID to the merchant terminal using the local loop redemption card to initiate a redemption process for the at least one gift;

after the redemption process is initiated, causing the merchant terminal to cause the redemption gateway to generate gateway transaction including at least the transaction amount, the local loop redemption card ID, and a gateway transaction ID;

generating redemption transaction data including at least the transaction amount, the local loop redemption card ID, the gateway transaction ID, and a redemption transaction ID;

validating the redemption transaction data based on a comparison of at least a portion of the redemption transaction data with at least a portion of the gift data, and

if the redemption transaction data is validated,

storing the transaction data,

generating a validation amount, and

sending validation data to the redemption gateway, where the

validation data includes at least the gateway transaction ID and the validation amount; and

after the redemption gateway receives the validation data, causing the redemption gateway to

notify the merchant associated with the merchant terminal, and pay the merchant the validation amount.

13. A method as recited in claim 12, in which:

the gift data includes at least one merchant ID associated with one of the plurality of merchants;

the gateway transaction data further includes the merchant ID associated with the merchant associated with the merchant terminal; and the redemption transaction data is validated based at least in part on a comparison of the merchant ID of the redemption transaction data with the merchant ID of the gift data.

14. A method as recited in claim 12, in which:

the gift data includes at least one merchant class ID associated with one of the plurality of merchants;

the gateway transaction data further includes a merchant class ID

associated with the merchant associated with the merchant terminal; and

the redemption transaction data is validated based at least in part on a comparison of the merchant class ID of the redemption transaction data with the merchant class ID of the gift data.

16. A method as recited in claim 12, in which:

a merchant ID and location data are associated with each merchant; the gift data includes at least one merchant ID associated with at least one merchant; and

the redemption transaction data is validated based at least in part on a comparison of a location of the user device and the location data associated with the merchant associated with the merchant ID of the gift data.

17. A method as recited in claim 12, further comprising the step of causing the at least one user device to wirelessly transfer the local loop redemption card ID to the merchant terminal.

18. A method as recited in claim 17, in which the at least one user device wirelessly communicates the local loop redemption card ID to the merchant terminal using the near field communications technology.

19. A method as recited in claim 17, further comprising the steps of: causing the at least one user device to display a visible code representing the local loop redemption card ID; and

operating the merchant terminal to scan the visible code displayed by the at least one user device to wirelessly communicate the local loop redemption card ID to the merchant terminal.

20. A method as recited in claim 12, further comprising the steps of: causing a transaction value to be stored as part of the transaction data; storing a gift value as part of the gift data;

storing the local loop redemption card ID as part of the gift data; and validating the transaction data based on a comparison of the transaction value and the gift value associated with the local loop redemption card ID forming part of the transaction data.

21. A method as recited in claim 12, further comprising the steps of: storing a merchant ID associated with the identified merchant as part of the gift data;

storing the merchant ID associated with the merchant terminal at which the redemption process is initiated as part of the transaction data; and

validating the transaction data based on a comparison of the merchant ID of the gift data and the merchant ID of the transaction data.

22. A method as recited in claim 12, further comprising the steps of: storing a merchant class ID associated with the identified merchant as part of the gift data;

storing the merchant class ID associated with the merchant terminal at which the redemption process is initiated as part of the transaction data; and

validating the transaction data based on a comparison of the merchant class ID of the gift data and the merchant class ID of the transaction data.

Description:
SYSTEMS AND METHODS FOR INTEGRATING MULTI-MEDIA, FINANCIAL, MERCHANT, AND CONSUMER DATA

RELATED APPLICATIONS

[0001] This application (Attorney’s Ref. No. P219614pct) claims benefit of U.S. Provisional Application Serial No. 62/632,369 filed February 19, 2018, the contents of which are incorporated herein by reference.

[0002] This application (Attorney’s Ref. No. P219614) also claims benefit of U.S. Provisional Application Serial No. 62/663,109 filed April 26, 2018, the contents of which are incorporated herein by reference.

[0003] The contents of all related applications are incorporated herein by reference.

TECHNICAL FIELD

[0004] The present invention relates to systems and methods for integrating data and, in particular, to systems and methods that facilitate the integration of multi-media, financial, merchant, and customer data.

BACKGROUND

[0005] The Internet facilitates the distribution of data. Data distributed over the Internet is, at a fundamental level, digital data represented by a binary system. In the context of the Internet, digital data is typically configured to represent higher level data such as text, audio, images, animations, and video. The text, audio, images, animations, and video represented by digital data can be reproduced with appropriate hardware. For example, text, images, animations, and video data may be displayed using a monitor, and audio data can be reproduced by a speaker. The need exists for systems and methods for integrating media data, financial data, merchant data, and customer data to facilitate commercial transactions among multiple customers and multiple merchants.

SUMMARY

[0006] The present invention may be embodied as a data integration system for use by a plurality of users and a plurality of merchants comprising a control system, a redemption gateway, at least one user device, and at least one merchant terminal. Each user device comprises a consumer application and a mobile wallet application. The consumer application is operatively connected to the control system to allow users to create gifts, initiate the redemption of gifts, and provision local loop redemption cards. The mobile wallet application configured to utilize local loop redemption cards, where the mobile wallet application is operatively connected to the redemption gateway. Each merchant terminal is associated with a merchant and is operatively connected to the redemption gateway. At least one user uses the consumer application to create at least one gift and store gift data associated with the at least one gift. At least one user causes the mobile wallet application to cause the redemption gateway to provision at least one local loop redemption card based on at least one gift, where the redemption gateway assigns a local loop redemption card ID to each local loop redemption card. At least one user initiates a redemption process of the at least one gift by transferring at least the local loop redemption card ID to the merchant terminal using the local loop redemption card. After at least one user initiates the redemption process, the merchant terminal causes the redemption gateway to send gateway transaction data to the control system, where the gateway transaction data includes at least the transaction amount, the local loop redemption card ID, and a gateway transaction ID. After the control system receives the gateway transaction data, the control system generates redemption transaction data including at least the transaction amount, the local loop redemption card ID, the gateway transaction ID, and a redemption

transaction ID, and validates the redemption transaction data based on a comparison of at least a portion of the redemption transaction data with at least a portion of the gift data. If the redemption transaction data is validated, the control system stores the transaction data, generates a validation amount, and sends validation data to the redemption gateway, where the validation data includes at least the gateway transaction ID and the validation amount. After the redemption gateway receives the validation data, the redemption gateway notifies the merchant associated with the merchant terminal and pays the merchant the validation amount.

[0007] The present invention may also be embodied as a method of integrating data generated by a plurality of users and a plurality of merchants comprising the following steps. At least one user device is provided. A

consumer application is run on each user device to allow users to create gifts, initiate the redemption of gifts, and provision local loop redemption cards. A mobile wallet application is run on each user device, where the mobile wallet application is configured to utilize local loop redemption cards. The mobile wallet application is operatively connected to a redemption gateway. At least one merchant terminal is associated with each merchant. Each merchant terminal is operatively connected to the redemption gateway. The consumer application is operated to create gift data representing at least one gift. The mobile wallet application is operated to cause the redemption gateway to provision at least one local loop redemption card based on at least one gift. The redemption gateway is caused to assign a local loop redemption card ID to each local loop redemption card. At least the local loop redemption card ID is transferred to the merchant terminal using the local loop redemption card to initiate a redemption process for the at least one gift. After the redemption process is initiated, the merchant terminal is operated to cause the redemption gateway to generate gateway transaction including at least the transaction amount, the local loop redemption card ID, and a gateway transaction ID. Transaction data including at least the transaction amount, the local loop redemption card ID, the gateway transaction ID, and a redemption transaction ID is generated. The redemption transaction data is validated based on a comparison of at least a portion of the redemption transaction data with at least a portion of the gift data. If the redemption transaction data is validated, the transaction data is stored, a validation amount is generated, and validation data is sent to the redemption gateway. The validation data includes at least the gateway transaction ID and the validation amount. After the redemption gateway receives the validation data, the redemption gateway is caused to notify the merchant associated with the merchant terminal pay the merchant the validation amount.

BRIEF DESCRIPTION OF THE DRAWINGS

[0008] Figure 1 is a block diagram illustrating hardware and software systems that may be configured to form an example data integration system of the present invention;

[0009] Figure 2 is a simplified block diagram illustrating an example of the hardware systems that may be used to form the example data integration system of the present invention;

[0010] Figure 3 is a flow chart illustrating one example method of implementing the example data integration method of the present invention;

[0011] Figures 4A-4B is a swim lane process flow diagram depicting example merchant onboarding and configuration of the merchant marketplace processes; [0012] Figures 5A-5B is a swim lane process flow diagram depicting an example merchant promo process;

[0013] Figures 6A-6B is a swim lane process flow diagram depicting a merchant build process;

[0014] Figures 7A-7C is a swim lane process flow diagram depicting a consumer build process;

[0015] Figures 8A-8B is a swim lane process flow diagram depicting group build and consumer build processes;

[0016] Figures 9A-9B is a swim lane process flow diagram depicting receive gift, consumer notification of received gift, consumer recipient reply processes

[0017] Figures 10A-10C redeem gift, receive alert/access gift, change gift amount, exchange gift merchant, gift redemption transaction processes;

[0018] Figures 1 1 A and 1 1 B are screen shots of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a View Gift step;

[0019] Figure 12 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during an Add Gift Recipient step;

[0020] Figure 13 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a Phone Contacts Accessed step;

[0021] Figure 14 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a Confirm Gift Recipient step;

[0022] Figure 15 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a Merchant Amount and Promotion Chosen step;

[0023] Figure 16 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a Personalize Gift step;

[0024] Figure 17 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a User Generated Video step;

[0025] Figure 18 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during an Enter Text and/or Emoji step;

[0026] Figure 19 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a Send Gift step;

[0027] Figure 20 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a Schedule Reminder step; [0028] Figure 21 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a Group Invite step;

[0029] Figure 22 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a Share to Social Media step;

[0030] Figure 23 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a Change Amount (Gift Value) step;

[0031] Figure 24 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a Create New Contact step;

[0032] Figure 25 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a Gift Notification step;

[0033] Figure 26 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a Save Recipient Profile step;

[0034] Figures 27A and 27B are screen shots of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a View Gift step;

[0035] Figure 28 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a View Merchant with Promotional Video Clip step;

[0036] Figure 29 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a Personalize Your Reply to Gifter step;

[0037] Figure 30 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a Recipient-generated Media Reply step;

[0038] Figure 31 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during an Enter Text and/or Emoji Reply step;

[0039] Figure 32 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a Redeem Gift step;

[0040] Figure 33 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a first Exchange Merchant step;

[0041] Figure 34 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer during a Select New Merchant step;

[0042] Figure 35 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer to allow the customer to select a gift recipient and a merchant from a merchant marketplace;

[0043] Figure 36 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer to allow the customer to select a merchant from a merchant marketplace when exchanging an original merchant for a new merchant;

[0044] Figure 37 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer to allow the customer to preview and select a system video clips from a system video library during a recipient reply-to-gift process; and

[0045] Figure 38 is a screen shot of an example user interface of an example of a data integration system of the present invention that may be presented to a customer to allow the customer to preview and select a system video clips from a system video library during a giver establish-gift process.

[0046] Figures 39A-39C depict a consumer build process including a re take cover process that may form a part of the data integration system of the present invention;

[0047] Figure 40 depicts a screen shot of an example New Cover user interface that may be used by the example re-take cover process of Figures 39A- 39C;

[0048] Figure 41 depicts a screen shot of an example Re-take New Cover user interface that may be used by the example re-take cover process of Figures 39A-39C; [0049] Figure 42 depicts a screen shot of an example Upload New Cover user interface that may be used by the example re-take cover process of Figures 39A-39C; and

[0050] Figure 43 depicts a screen shot of an example Move & Scale user interface that may be used by the example re-take cover process of Figures 39A- 39C; and

[0051] Figure 44 depicts a screen shot of an example Send via Personal Text or Email user interface that may be used by the example re-take cover process of Figures 39A-39C.

[0052] Figures 45A-45C depict alternative receive alert/access gift, change gift amount, exchange gift merchant, gift redemption transaction processes;

[0053] Figure 46 depicts a screen shot of a Received Merchant user interface that may be displayed as part of the receive alert/access gift process;

[0054] Figure 47 depicts a screen shot of a Flow to Pay Interstitial user interface that may be displayed after the receive alert/access gift process;

[0055] Figures 48-50 depict Enter Payment Amount user interface that may be used as part of the gift redemption transaction process;

[0056] Figure 51 depicts a Confirm Payment Interstitial user interface that may be used as part of the gift redemption transaction process;

[0057] Figure 52 depicts a Receipt user interface that may be displayed as part of the gift redemption transaction process; [0058] Figure 53 depicts a Merchant Payment Verification user interface that may be presented to the merchant following the gift redemption transaction process;

[0059] Figures 54A-54C depict an alternative consumer build process that may form a part of the data integration system of the present invention;

[0060] Figure 55 depicts a Purchase Gift Confirmation user interface that may be presented during the creation of a gift;

[0061] Figure 56 depicts an Edit Menu Option user interface that may be displayed in response to selection of an EDIT screen element of the Purchase Gift Confirmation user interface;

[0062] Figure 57 is a Locked Gift Confirmation user interface that may be displayed in response to selection of a LOCK AIRSHARE screen element of the Edit Menu Option user interface;

[0063] Figure 58 is a Received Gift Merchant user interface that may be displayed to a giftee;

[0064] Figure 59 depicts a first configuration of a More Menu Option user interface that may be displayed in response to selection of an MORE OPTIONS screen element (e.g., three vertically stacked dots) of the Received Gift Merchant user interface when the gift has been locked;

[0065] Figure 60 depicts an Exchange Unavailable Message user interface that may be displayed in response to selection of an EXHANGE UNAVAILABLE screen element of the More Menu Option user interface; [0066] Figure 61 depicts a second configuration of a More Menu Option user interface that may be displayed in response to selection of an MORE OPTIONS screen element (e.g., three vertically stacked dots) of the Received Gift Merchant user interface when the gift has not been locked;

[0067] Figure 62 is a block diagram of a second example data integration system of the present invention;

[0068] Figure 63 is a block diagram illustrating use of the second example data integration system with a communications system;

[0069] Figure 64 is a block diagram details of the second example data integration system;

[0070] Figure 65 is a swim lane diagram illustrating a process of provisioning a local loop redemption card that may form a part of the third example data integration process of the present invention;

[0071] Figures 66A and 66B are a swim lane diagram illustrating a first example pay or redemption process using a local loop redemption card optionally limited for redemption by merchant or merchant class that may form a part of the third example data integration process of the present invention;

[0072] Figures 67A and 76B are a swim lane diagram illustrating a second example pay or redemption process using a local loop redemption card optionally limited for redemption at merchants using location services that may form a part of the third example data integration process of the present invention;

[0073] Figures 68A and 68B are a swim lane diagram illustrating a third example pay or redemption process using a local loop redemption card without limitation that may form a part of the third example data integration process of the present invention;

[0074] Figures 69A-69C are a swim lane diagram illustrating a consumer build with re-take cover and media editing process that may form a part of the third example data integration process of the present invention;

[0075] Figures 70A and 70B are a swim lane diagram illustrating a merchant gift with authentication process that may form a part of the third example data integration process of the present invention;

[0076] Figures 71 A and 71 B are a swim lane diagram illustrating the process by which a merchant creates and/or claims a merchant listing that may form a part of the third example data integration process of the present invention;

[0077] Figures 72A-72C are a swim lane diagram illustrating a consumer notification of received gift and reply process that may form a part of the third example data integration process of the present invention;

[0078] Figure 73 is a swim lane diagram illustrating a merchant messaging to user (Gifter or Giftee) process that may form a part of the third example data integration process of the present invention;

[0079] Figure 74 is a swim lane diagram illustrating a passwordless authentication process that may form a part of the third example data integration process of the present invention; and

[0080] Figures 75A-75D are a swim lane diagram illustrating a give one get one promotional gift process that may form a part of the third example data integration process of the present invention.

DETAILED DESCRIPTION

I. First Example Data Integration System

[0081] Figure 1 of the drawing illustrates an example Data Integration System 20 constructed in accordance with, and embodying, the principles of the present invention. The example Data Integration System 20 comprises a control system 30, at least one Customer (or Consumer) Application 32, at least one Merchant Application 34, a Payment System 36, and a Notification System 38. Figure 1 illustrates that the example control system 30 is further operatively connected to a User Database 40, a Gift Database 42, a Media Database 44, and a Transaction Database 46.

[0082] In the example depicted in Figure 1 , the example Data Integration System 20 is configured to run on a data integration server 50, at least one Customer Device 52, at least one Merchant Device 54. In particular, Figure 1 illustrates the example control system 30 and the example Notification System 38 are configured to run on the data integration server 50, the example Customer Application 32 is configured to run on the Customer Device 52, and the example Merchant Application 34 is configured to run on the Merchant Device 52. The example Data Integration System 20 is further configured to take advantage of payment services 60 to facilitate payments. In the example configuration of the example Data Integration System 20 as depicted in Figure 2, the example data integration server 40, a plurality of Customer Devices 52a-n, and a plurality of Merchant Devices 54a-n are operatively connected to a communications network 70 such as the Internet.

[0083] One purpose of the example Data Integration System 20 and any other Data Integration System of the present invention is to facilitate the transferring value from one or more user(s) to one or more other user(s) of the Data Integration System 20. The term“user” will be used herein to refer to any individual capable of giving a gift, receiving a gift, or redeeming a gift at the point of sale of any goods or services. The term“Gift” will be used herein to refer to the mechanism by which value is transferred between users. The term“Giver”

(or“Gifter”) may be used to refer to any user that transfers a Gift to another user. The term“Recipient” (or“Giftee”) may be used to any user that receives a Gift from another user. Givers and Recipients may also be referred to more generally as“Customers” (or“Consumers”). A Gift transferred by the Data Integration System 20 typically relates to the value necessary to purchase an item and/or services from a user referred to herein as a“Merchant”. Any user, including a Merchant, may be a Giver or Recipient depending on the particular Gift that is transferred. Any Gift may have multiple Gifters and/or multiple Recipients. Each Gift will typically be associated with a monetary value, although money need not be transferred from the Giver to the Recipient using the Data Integration Systems of the present invention.

II. First Example Data Integration Process

[0084] Figure 3 illustrates an example of a Data Integration Process 120 that may be used by the example Data Integration System 20 of the present invention. Merchants are established at step 130 and Customers are established at step 132. In the following discussion, a Customer who establishes a Gift will be referred to herein as a Giver in the context of that particular Gift. Consumers may also be the Recipient of a Gift, in which case the Customer will be referred to as a Recipient in the context of that particular Gift. A Merchant who

establishes a Gift may, in the context of that particular Gift, also is referred to as a Giver, but Merchant entities will typically not function as Recipients.

[0085] In the example Data Integration Process 120, at least one Merchant list is defined at step 134. Typically, the Merchant list will include Merchants sorted into marketing regions or by type of product or services offered.

[0086] At step 140, the Merchant list is made available for display to Customers. Consumers are allowed to establish a Gift at step 142 and associate the Gift with a Gift Media Clip(s) at step 144. Step 142 additionally allows Merchants to establish a Gift as well, and the Merchants can associate a Gift Media Clip(s) with the Gift at step 144. The Gift will be stored as Gift Data including a Gift ID uniquely associated with the Gift, at least one Gift Value (in currency), the user ID associated with the Giver as a Giver ID, the user ID of another Customer, referred to as the Recipient or Recipients, as a Recipient ID, at least one media ID, and at least one Merchant ID. A URL may be associated with the Media ID for Media Clips stored by services outside of the example Data Integration System 20.

[0087] Once the Gift has been established, the Gift Media Clip(s) associated with that Gift is made available for display to the Recipient at step 150.

[0088] The Recipient is next allowed to alter the Gift at step 152. If the Recipient elects to alter the Gift, the process 120 moves to step 154, where the Recipient may change an aspect of the Gift, such as the Merchant, by altering the Gift Data, such as the Merchant ID.

[0089] Once the Recipient is satisfied with any alterations the Gift, the Recipient may proceed to a redemption portion of the process 120 starting at step 160. When the Redemption Transaction is initiated, Transaction Data including a transaction ID is created. The Recipient is further prompted to optionally identify a Media Clip to be associated with the transaction, and the media ID associated with each Media Clip is stored as part of the Transaction Data. At step 160, the Recipient further confirms a redemption value and the name of the Merchant associated with the transaction, and the redemption value and the Merchant ID are stored as part of the Transaction Data.

[0090] The Redemption Transaction is validated at step 162. In particular, at step 162 the redemption value and the name of the Merchant ID of the

Transaction Data associated with the Redemption Transaction are compared to the at least one Gift Value and Merchant ID of the Gift Data. If the Transaction Data meets certain parameters with respect to the Gift Data, the Transaction Data matches the Gift Data. If not, the transaction is terminated at step 164.

[0091] If the Transaction Data matches the Gift Data, the payment process is initiated at step 170 to pay the Merchant associated with the Redemption Transaction. The Recipient is then prompted at step 172 to optionally identify a Media Clip to be associated with the transaction, and the media ID associated with the Media Clip is identified at step 172 and is stored as part of the

Transaction Data. Once the Redemption Transaction is complete, any

transaction Media Clip associated with that Redemption Transaction is made available for display to the Giver at step 174.

[0092] As an alternative to the in-person Redemption Transaction described at steps 160 and 162, online Redemption Transactions can be performed. In this case, the Recipient clicks a Redeem Gift button on the

Merchant’s website (or a Redeem Online in the Customer Application), at which point the Recipient is directed to a Merchant Redeem Window (e.g. pop-up window, new web page, or new user-interface screen which includes an embedded Merchant ID, and is hosted on the Data Integration System 20). At that point, the Recipient is prompted to enter the exact dollar amount to redeem (not to exceed the Gift value), and the Recipient Information (e.g., phone number or email address) associated with the Recipient, and clicks "Enter" to submit the entered data. The Data Integration Process 120 checks the Merchant ID, the amount redeemed, and the Recipient's contact information to validate the Recipient's Gift stored in the Data Integration System 20. If the amount,

Merchant ID, and Recipient Information submitted by the Recipient matches the corresponding details of Recipient's Gift in the Data Integration Process 20, the example Data Integration Process 120 confirms the Redemption Transaction and a“Confirmed” notice is displayed on the Customer Application and/or Merchant Redeem Window. If the amounts/values do not match, the Redemption

Transaction is canceled and a“Denied” notice is displayed in the Customer Application and/or the Merchant Redeem Window.

[0093] In the example Data Integration Process 120 as depicted in Figure 3, certain steps may be omitted or skipped under certain circumstances. For example, if the Giver is a Merchant, the Giver/Merchant will most likely only want to establish Gifts promoting the goods and/or services of that Giver/Merchant. In that case, the example process may not display to the Giver/Merchant a

Merchant List but will instead bypass step 140. As another example, Givers of Gifts may skip step 144 and 174, while Recipients of Gifts may skip steps 150 and 172. Other steps may be performed in an order different from that depicted in Figure 3. For example, the order of steps 130 and 132 may be reversed. Additionally, once a Merchant and/or Customer are established at steps 130 or 132, those steps 130 or 132 would typically not be presented to registered Merchants and Customers who subsequently use the example Data Integration Process 120. Also, the Recipient may elect to perform steps 172 and 174 immediately after the Gift is sent at Step 150 in addition or instead of waiting for the completion of the redemption process at step 170.

[0094] The example data integrated process 120 as implemented by the Data Integration System 20 as described herein facilitates the integration of data to allow multiple users to function as Givers and/or Recipients in the context of multiple Merchants. [0095] Referring for a moment back to Figure 1 , dot-dash lines indicate software components, while solid lines indicate hardware. Even broken lines in Figure 1 indicate logical groupings of software modules. While an example of a hardware configuration and various software components running on this hardware configuration is shown in Figure 1 , other configurations of hardware and software components may be used to implement the principles of the present invention.

[0096] The exact nature of the hardware used to host the example Data Integration System 20 depends on the particular combination of Customers, Merchants, and transactions accommodated by that system 20. As shown in Figure 2, the Customer Application 32 is typically replicated on a plurality of Customer Devices 52a, 52c, through 52n. The Merchant Application 34 is similarly typically replicated on a plurality of Merchant Devices 54a, 54c, through 54n. The exact number of Customer Devices 52 and Merchant Devices 54 depends on the number of users and Merchants using the example Data

Integration System 20. Further, although the example databases 40, 42, 44, and 36 are shown as separate from the data integration server 50 in Figure 1 , these databases 40, 42, 44, and 46 may be configured to run on the data integration server 50.

[0097] The example databases 40, 42, 44, and 46 may be web services available over the communications network 70 (as shown by solid lines in Figure 2) and hosted by third parties. Alternatively, the example databases 40, 42, 44, and 46 may be directly connected to the data integration server 40 (as shown by broken lines in Figure 2). The communications network 70 allows data to be exchanged between the various components of the example Data Integration System 20 and the databases 40, 42, 44, and 46 and between the various components of the example Data Integration System 20 and the payment services 60.

[0098] As is common, the function of the data integration server 50 and/or any one of the databases 40, 42, 44, and 46 may be provided by one or more cloud computing systems operated by third parties.

[0099] The example Data Integration Process 120 is implemented using the software components forming the Data Integration System 20. In particular, the software components interface with each other and with hardware and external services to implement the functionality of the Data Integration Process 120 as described herein. The Data Integration Process 120 is not necessarily sequential, and certain steps may be implemented in an order different from that represented in Figure 3. Specific functions of the Data Integration Process 120 must be implemented on a particular hardware device (e.g., data input on the Customer Device), but other such functions (e.g., data integrity checks) may be handled by different hardware devices depending upon available hardware functionality, communications bandwidth, and the like. Further, an actual implementation of the present invention will likely involve additional steps and sub-steps to those of the example Data Integration Process depicted in Figure 3.

[0100] With the foregoing general understanding of the principles of one example of the present invention in mind, details of the example Data Integration System 20 and example Data Integration Process 120 will now be described in further detail.

[0101] As indicated in Figure 2 above, the example Data Integration System 20 will typically be configured to accommodate multiple Customers and multiple Merchants. Consumers are typically individuals, while Merchants may be individuals or business entities. In the interests of brevity, the term“Merchant” may be used herein to refer to individuals authorized by the Merchant entity to interface with the example Data Integration System 20 as described herein.

[0102] Each Customer will have access to a Customer Application 32, and each Merchant will have access to a Merchant Application 34. Typically, but not necessarily, the Customer Application 32 is a standalone application running on a portable computing device such as a smartphone, tablet, or the like. The Merchant Application 34 will typically, but not necessarily, be a standalone application running on a workstation, point of sale system, or the like. However, the Customer Application 32 may be configured to run on a fixed workstation or to be accessed using a browser application, and the Merchant Application 34 may be configured to run on a portable computing device or to be accessed using a browser.

[0103] Each Customer will establish a Customer Account with the example Data Integration System 20 that allows the Customer to access the system from multiple devices. Each Merchant will establish a Merchant Account with the example Data Integration System 20 that allows the Merchant to access the system from at least one device in the control of the Merchant.

[0104] To establish a Customer Account, the Customer will install, or access using a browser, the Customer Application 32 on at least one Customer Device 52 such as a smartphone and enter Customer Data such as name, email, phone, address, and Customer payment source (credit card token) data. The example Data Integration System 20 will validate the identity of the Customer and assign a Consumer ID unique to each Customer. The Consumer ID will be stored as part of the Customer Data. The validation process is typically performed by a web service provided by a third party based on the biographic and payment data. Conventional security methods such as password, biometric, or other may be used to authenticate Customers before allowing access to the Customer Account. The following detailed description of the operation of the example Data Integration System 20 assumes that each Customer has an existing Customer Account and a unique Consumer ID.

[0105] Additionally, the Customers may optionally be allowed to identify certain Merchants as favorite Merchants, and the Data Integration System 20 stores such Merchants in a Merchant wish list associated with the Customer Account. The Merchants may identify favorite Merchants by swiping through a list of available Merchants and identifying individual Merchants in the list as favorite Merchants. Further, the Merchant wish list may be sorted by Merchant parameters such as the geographical location and/or type of goods and/or services provided by the Merchant.

[0106] To establish a Merchant Account, the Merchant will install or establish a link to the Merchant Application 34 (e.g., using a browser) on at least one Merchant Device 54 such as a point of sale system. To set up the Merchant Account, the Merchant will enter Merchant Data comprising name, email, phone, address(es), description, Merchant Media, and Merchant payment destination (e.g., bank or PayPal account number) data. The Merchant ID will be stored as part of the Merchant Data. The example Data Integration System 20 will validate the identity of the Merchant and assign a Merchant ID unique to each Merchant. The validation process is typically performed by a web service provided by a third party based on the Merchant details, location, and banking data. Conventional security methods such as password, biometric, or other may be used to authenticate individuals accessing the Merchant Account. The following detailed description of the operation of the example Data Integration System 20 assumes that each Merchant has an existing Merchant Account and a unique Merchant ID.

[0107] The Customer Devices 52 may include one or more location services such as the global positioning system (GPS). The Customer may configure the location services to allow the Data Integration System 20 and/or Customer Application 32 to have access to the real-time location of the

Customers using the portable Customer Devices 52. Certain steps of the example Data Integration System 20 as described in detail below may be implemented only if the example Data Integration System 20 and/or Customer Application 32 has access to the real-time locations of the Customers.

[0108] The Customers and Merchants can both function as a Giver to initiate a Gift Process. In particular, using the Gift Process the Giver creates a Gift by identifying one or more Recipients, at least one Gift Value, and a

Merchant associated with that particular Gift.

[0109] When selecting the Merchant, the Giver may identify any Merchant registered with the Data Integration System 20. However, the list of Merchants may be filtered and/or sorted by any one of a number of Merchant parameters. Merchants may be filtered by geographical location, nature or type of goods or services provided, and/or by a Customer rating system. If the Recipient is a registered Customer, the Data Integration System 20 may also be configured to allow the Giver to view, filter, and/or sort any preferred Merchant list set up for that Recipient. The Giver may optionally select a Merchant from the preferred Merchant list.

[0110] Optionally, the Gift Process may include one or more Delivery Conditions that allow the Giver to determine when and how the Gift is sent to the Recipient(s). As one example, the Delivery Conditions may include setting a day and time in a calendar. The example Data Integration System 20 is configured to send a Gift Notification to the Recipient on the day and time set during the Gift Process. As another example, the Delivery Conditions may be set to trigger the Gift Notification based on the actual location of the Recipient. In this case, the Data Integration System will generate the Gift Notification when the Recipient is within a predetermined distance of the Merchant associated with the Gift. [0111] At the time the Gift Process is initiated, the Recipient may or may not be a registered Customer of the example Data Integration System 20. If the Recipient is not a registered user, the Recipient may be identified by a unique piece of information (e.g., email address) such that the Recipient may be notified that a Gift has been created naming them as the Recipient. A non-registered Recipient must install a copy of the Customer Application 32 to access the functionality of the example Data Integration System 20 and redeem the Gift.

[0112] Similarly, if the Giver would like to select a Merchant not already registered with the Data Integration System 20, the Data Integration System 20 may be configured to allow the Giver to identify that unregistered Merchant. The Data Integration System 20 may then notify the unregistered Merchant that a (typically unnamed) Giver would like to give a Gift identifying the unregistered Merchant and allow the previously unregistered Merchant to register. After the Merchant has registered, the Merchant ID associated with that newly registered Merchant may be included in the Gift Data. The process of finalizing the Gift will be delayed until the newly registered Merchant has completed the registration process.

[0113] The example Data Integration System 20 assigns a unique Gift ID for each Gift. In addition, the example Data Integration System 20 will assemble Gift Data including, in addition to the Gift ID, the at least one Gift Value, a Giver ID, a Recipient ID, a Merchant ID. The Giver ID may be the Consumer ID or Merchant ID associated with the Giver, the Recipient ID may be the Consumer ID associated with the Recipient (when available), and the Merchant ID of the Merchant identified by the Giver. Alternatively, the Giver ID and Recipient ID may be generated at the time each unique Gift is created, in which case the Giver ID is linked to the Consumer ID or Merchant ID of the Giver and the Recipient ID is linked to the Consumer ID of the Recipient. If the Recipient does not have a Consumer ID at the time the Gift is created, the Gift Data will include placeholder data (e.g. email address) until the Recipient creates a Consumer ID, at which point the newly created Consumer ID of the Recipient is stored as part of the Gift Data. The Gift Data will further comprise the Merchant ID of the Merchant designated by the Giver.

[0114] At the time the Gift is established, the Giver is prompted to include a Media Clip as part of the Gift Data. The term“Media Clip” as defined herein is to include text, images, animations, audio, video, and combinations thereof. The Customer Application 32 allows Customers to enter a Media Clip into the example Data Integration System 20, select a preconfigured video clip stored by the Data Integration System 20, and select a video clip previously entered into the Data Integration System 20 by the Merchant associated with the Gift. Each Media Clip is stored as media data, and a Media ID is assigned to the media data associated with each Media Clip. The Gift Data typically, but not necessarily, includes at least one Media ID associated with the Media Clip selected by the Giver.

[0115] Ideally, the Giver will select several Media Clips when establishing a Gift. The Giver will select a personalized Media Clip generated by the Giver and a standardized Media Clip generated by the Merchant associated with the Gift. The Media ID associated with each such Media Clip is stored as part of the Gift Data for each Gift. In this case, the Gift Data will include multiple Media IDs. Again, any Media Clip generated by the Giver may be customized for a particular Recipient, occasion, or sentiment.

[0116] Preconfigured Media Clips made available by the Data Integration System 20 may be stock images, animations, audio, video, and combinations thereof created for different types of sentiments, occasions, Recipients, and the like. For example, the Data Integration System 20 may make available to the Gifter preconfigured Media Clips associated with the Recipient (e.g., Recipient name), occasions (e.g., birthdays, graduations, retirements), or sentiment (e.g., gratitude). The Data Integration System 20 may thus allow the Giver to customize the preconfigured Media Clips by, for example, adding text such as a phrase and/or name associated with the Gift. The operator of the Data

Integration System 20 may elect to charge a fee for selecting and/or customizing preconfigured Media Clips.

[0117] When the Gift is finalized, the Data Integration System 20 charges the at least one Gift Value to the payment method set up by the Customer. The currency amount of the at least one Gift Value is transferred from the Giver’s account (e.g., bank, credit card, or PayPal account) to an escrow account (typically, bank account) maintained by the operator of the Data Integration System 20. In addition, the operator of the Data Integration System 20 has the option of charging a fee for setting up the Gift, and that fee may be transferred from the Giver’s account to an operating account owned by the operator of the Data Integration System 20 for services rendered at the same time that the at least one Gift Value has been transferred to the escrow account.

[0118] After the Gift has been established, the Data Integration System 20 instructs the Notification System 38 to send a Gift Notification notifying the Recipient that a Gift has been established to their benefit. The notification may be directly through the Customer Application 32 associated with the Recipient and/or by separate means such as email. The Data Integration System 20 includes the new Gift in a Customer Pending Gift List forming a part of or accessible by the Customer Application 32. And as described above, the timing of the Gift Notification may be determined by Gift Conditions.

[0119] Any Giver, whether it be a Customer or a Merchant, can identify a plurality (two or more) Customers as Recipients by establishing a Recipient Group Gift. In this case, multiple Recipient IDs are included in the Gift Data. The Gift may establish a total Gift Value to be spent by the group as a whole or individual Gift Values associated with individual Customers in the group.

[0120] In addition, groups of Givers, including Customers and/or

Merchants, may establish a Giver Group Gift in which one or more Customers are identified as Givers by establishing a Giver Group Gift. In this case, multiple Giver IDs are included in the Gift Data. The Gift Data may further include at least one, and potentially a plurality of, Recipient IDs. The Gift may establish a total Gift Value to be spent by the group as a whole or individual Gift Values

associated with individual Customers in the group.

[0121] For Customers, the ability to list multiple Recipients allows

Recipient Group Gifts to be established naming groups of individuals. Typically, but not necessarily, individuals in such Customer established Recipient Group Gifts will have a preexisting relationship with each other. Siblings, members of a wedding party, coworkers, and team members are examples of groups of individuals who may be included as co-Recipients of a Customer established Group Gift. The ability to group together Givers allows multiple Givers, such as members of a team, to establish a Giver Group Gift in the name of a coach or group of coaches.

[0122] For Merchants, the ability to establish a Gift in the name of either one or a plurality of Customers can be a useful promotional tool. Any registered Customer or group of Customers may be identified as part of a Merchant established Gift. Typically, the Merchant will filter and/or sort Customers based on at least one Customer parameter such as address, previous relationship with the Merchant, and GPS location. For example, the Merchant established Group Gift may name all Customers within a predetermined geographical area who have purchased goods or services from the Merchant within the last six months. In addition, the Merchant may establish a Gift for a group of Customers based on a one-time or recurring event (e.g., business anniversary, holiday, festival) or periodically (e.g., weekly, monthly). Typically, but not necessarily, Customers of a Merchant established Group Gift would not have a preexisting relationship. When a Merchant establishes a Group Gift for Customers without a preexisting relationship, the Group Gift will typically, but not necessarily, assign a Gift Value for each Customer in the list. It is also possible for a Merchant to establish a Gift for a particular Customer outside of the context of a Group Gift. Any Merchant established Gift may include Gift conditions such as the Gift being conditional on a purchase by the Recipient of a certain amount and/or the Gift being redeemed within a predetermined period of time.

[0123] When the Gift has been established, the Data Integration System 20 instructs the Notification System 38 to send a Gift Notification notifying the Merchant that a Gift has been established in which the Merchant has been named. The Gift Notification may be directly through the Merchant Application 34 associated with the Recipient and/or by separate means such as email. The Data Integration System 20 includes the new Gift in a Merchant Pending Gift List forming a part of or accessible by the Merchant Application 34.

[0124] When the Data Integration System 20 notifies the Recipient of the Gift, the Recipient is prompted to view any Media Clips associated with that Gift. In particular, the Customer Application 32 is able to access any Media Clip associated with the Gift based on one or more Media IDs in the Gift Data associated with that Gift. The Recipient is thus able to use the Customer Application 32 associated therewith to view a personalized Media Clip uploaded by the Giver and/or a Media Clip of the Merchant. The Media Clip may also be a stock Media Clip made selected from a System Media Library maintained by the Data Integration System 20. [0125] At this point, the Data Integration System 20 allows the Recipient Customer to alter the parameters of the Gift. The alterable parameters of the Gift include, as examples, the at least one Gift Value and the Merchant. Accordingly, for any Gift in the Customer Pending Gift List, the Recipient may be given the option to change the Gift Value(s) and/or the Merchant associated with that Gift. The Gift Data may track the original Gift Value and any such increase in Gift Value separately. The Gift Data at any time will thus reflect any changes. If a new Merchant is substituted for a previous Merchant, the Data Integration

System 20 will update the Customer Pending Gift List and the Merchant Pending Gift List associated with both the original Merchant and the new Merchant of the change of Merchant in the Gift. Further, the Data Integration System 20 may cause the Notification System 38 to send a notification to the Giver and/or Merchant(s) associated with the Gift of the change of Gift parameters. If changes are made to the Gift parameters, the Data Integration System 20 will update the Customer Pending Gift List and the Merchant Pending Gift List with the new Gift parameters.

[0126] If the Recipient changes the Gift by increasing the Gift Value, the currency amount of the increase of the Gift Value is transferred from the

Recipient’s account (e.g., bank, credit card, or PayPal account) to an escrow account (typically, bank account) maintained by the operator of the Data

Integration System 20.

[0127] After receiving the Gift Notification, the Recipient may redeem the Gift whenever desired. To initiate the Redemption Transaction, the Recipient negotiates a sales transaction with the current Merchant associated with the Gift. Once the total price of the sales transaction has been established, the Recipient enters or selects the name of the Merchant and enters the amount of the sales transaction into the Data Integration System 20 through the Customer Application 32 running on the Recipient’s Customer Device 52. The Recipient then interacts with the Customer Application 32 to initiate the Redemption Transaction. The Merchant ID associated with the Merchant identified by the Recipient and the sale amount are then transmitted as Recipient Transaction Data to the Data Integration System 20. The Transaction ID is created when the first phase of the Redemption Transaction has been completed.

[0128] Once the Recipient has completed the first phase of the

Redemption Transaction, the Merchant enters the sale amount into the Data Integration System 20 using the Merchant Application 34. The Merchant ID associated with that Merchant is transmitted along with the sales amount as Merchant Transaction Data to the Data Integration System 20. The Data

Integration System 20 may send a Redemption Notification to the Merchant through the Merchant Application 34 on the Merchant Device 54 to prompt the Merchant to complete the Redemption Transaction.

[0129] The Data Integration System 20 then validates the Redemption Transaction by comparing the Recipient Transaction Data (e.g., sales value and Merchant ID) transmitted by the Recipient with the Merchant Transaction Data (e.g., sales value and Merchant ID) transmitted by the Merchant. If the Merchant ID and sales value of the Recipient Transaction Data matches the Merchant ID and sales value of the Merchant Transaction Data, the Redemption Transaction is validated. If one or both of the Merchant ID and sales value of the Recipient Transaction Data does not the corresponding the Merchant ID and sales value of the Merchant Transaction Data, the Redemption Transaction is denied, and a Transaction Denied Notice is sent to one or both of the Recipient and the

Merchant.

[0130] When the Redemption Transaction has been validated, the Data Integration System 20 reduces the at least one Gift Value by the amount of the sales value. If the at least one Gift Value exceeds the sales value, the Gift persists, and the new Gift Value is the prior Gift Value less the sales value. If the Gift Value equals the sales value, the Gift Value is zero, and the Gift is closed. If the Gift Value is less than the sales value, the Gift Value is zero, the Gift is closed, and the Recipient will deal directly with the Merchant to make up the difference between the Gift Value and the sales value. Of course, the Recipient may increase the Gift Value prior to the Redemption Transaction to ensure that the Gift Value is sufficient to pay the sales value associated with the sales transaction.

[0131] After the amount of the sales value has been subtracted from the Gift Value, a payment is made from the escrow account maintained by the operator of the Data Integration System 20 to the payment destination identified by in the Merchant Data. Multiple banks and/or banking services may be involved in the Merchant Payment Process, and the Merchant Payment Process typically does not occur immediately. The Data Integration System 20 removes any redeemed Gifts from the Customer Pending Gift List and the Merchant Pending Gift Lists associated with the redeemed Gift. At this point, the

Redemption Transaction is complete.

[0132] Upon completion of the Redemption Transaction, the Data

Integration System 20 prompts the Recipient to initiate an acknowledgment process in which the Recipient identifies a Media Clip to be included as part of the Recipient Transaction Data. As noted above, the Customer Application 32 allows Customers to enter a Media Clip into the example Data Integration System 20, select a preconfigured video clip stored by the Data Integration System 20, or select a video clip previously entered into the Data Integration System 20 by the Merchant associated with the Gift. The Recipient Transaction Data thus typically, but not necessarily, includes at least one Media ID

associated with the Media Clip selected by the Recipient. A URL may be associated with the Media ID for Media Clips stored by services outside of the example Data Integration System 20.

[0133] Ideally, the Recipient will select/upload at least one Media Clip associated with the redemption of the Gift. For example, if the Merchant associated with the Gift is a restaurant, the Recipient may enter a photographic image or video clip taken at the restaurant as a new Media Clip. The Data Integration System 20 assigns a Media ID to and stores the new Media Clip. The Media ID associated with each such Media Clip is stored as part of the Recipient Transaction Data for each Gift redemption. The Recipient Transaction Data may include multiple Media IDs.

[0134] When the Gift has been redeemed, the Data Integration System 20 instructs the Notification System 38 to send a Redemption Notification to the Giver that a Gift has been redeemed. The Redemption Notification may be directly through the Customer Application 34 associated with the Giver and/or by separate means such as email.

[0135] When the Data Integration System 20 notifies the Giver that the Gift has been redeemed, the Recipient is prompted to view any Media Clips associated with that Redemption Transaction. Media clips associated with the Redemption Transaction may be referred to as Reply Media Clips. The Reply Media Clip(s) may a personalized Media Clip uploaded by the Recipient, a Media Clip selected by the Recipient from the Merchant, a preconfigured stock Media Clip selected by the Recipient from a System Media Library, and/or a stock Media Clip selected and customized by the Recipient. More specifically, the Customer Application 32 and Customer Device 52 may access any Media Clip associated with the Redemption Transaction based on one or more Media IDs in the Transaction Data associated with that Redemption Transaction.

[0136] The Data Integration System 20 may be configured to track Customer parameters, Customer activity, Merchant parameters, Merchant activity, Gifts, Redemption Transactions, and/or feedback. Data related to past Gifts, pending Gifts, exchanged Gifts (changed Merchants), and/or redeemed Gifts can be used to predict, within reasonable statistical uncertainty, the likelihood of success of potential future relationships between Customers and Merchants. For example, based on data associated with Customer previous activity and current locations, the Data Integration System may inform a nearby Merchant who sells coffee that the Customer is likely to want coffee in the next few minutes. The Merchant may then establish a conditional Gift in the name of that particular Customer that expires in one hour. The operator of the Data Integration System 20 may charge Merchants a fee for the use of such data analytics and related services to enhance Customer/Merchant interaction.

[0137] Further, the Data Integration System 20 may allow a registered Merchant to use Giver and Recipient Media Clips in the Merchant’s social media accounts. For example, if a Recipient creates a Media Clip in the form of sound and video showing the Recipient and friends enjoying a meal at a restaurant while redeeming a Gift, the Merchant may, with appropriate permission from the Recipient, post that Media Clip to the Merchant’s Facebook account. The Data Integration System 20 may thus optionally include a social media system for facilitating, and perhaps automating, the process of posting Customer videos to Merchant social media accounts.

[0138] The example databases 40, 42, 44, and 46 will now be described in further detail. The example User Database 40 is configured to store the

Customer Data and the Merchant Data. The example Gift Database 42 is configured to store the Gift Data corresponding Gifts created by users or

Merchants. The example Media Database is configured to store the media data corresponding to Media Clips uploaded by the Customers and Merchants and any preconfigured Media Clips provided by the operator of the Data Integration System 20. The example Transaction Database 46 is configured to store the Transaction Data associated with the establishment, exchange, and redemption of Gifts. The Transaction Database 46 supports the transmission of data with the Merchant Application 34 and banking information with the payment services 60 through the Payment System 36.

III. Second Example Data Integration Process

[0139] Referring now to Figures 4-10 of the drawing, a detailed example of a process that may be used to implement the example Data Integration System 20 will now be described. Figures 4-10 visually represent the interactions among the various components based on various input to the example Data Integration System 20. In particular, situations where the Customer Application 32 present information to and/or receive input from Customers and Merchants are depicted by squares in Figures 4-10, while method steps implemented by the example Data Integration System that do not involve the Customer Application user interface are represented by circles in Figures 4-10.

[0140] The example Data Integration System 20 implemented as shown in Figures 4-1 1 is a distributed system defining multiple data inputs and outputs (e.g., Customers, Merchants, payment services 60) and comprises multiple software and hardware systems that are typically connected by the

communications network 70 as shown in Figure 2. Also as shown in Figure 2, the example Data Integration System 20 supports multiple users in the form of Customers each having access to at least one Customer Device 52 and multiple Merchants each having access to at least one Merchant Device 54. In this context, the example Data Integration System 20 accepts inputs and generates outputs for multiple sources simultaneously. Once at least one Customer Account has been created, the Data Integration System 20 as depicted in

Figures 4-1 1 can operate, and the discussion of Figures 4-1 1 below assume that Customer Data associated with one or more Customer Accounts is stored in the User Database as generally described above.

[0141] Additionally, the discussion of the example Data Integration System 20 in Figures 4-1 1 assume that the Payment System 36 is configured to exchange data with the payment services system 60. The Customer and Merchant Data will contain the Customer and Merchant banking information necessary for the Payment System 36 to interface with the payment services system 60 to allow the Data Integration System 20 to accept payments from and make payments to Customer and Merchant payment sources such as credit card accounts, bank accounts, PayPal accounts, or the like.

[0142] When the User Database 40 contains at least Customer Data, the Data Integration System 20 simultaneously accepts multiple inputs from multiple sources. The functions described with respect to Figures 4-1 1 can operate independently of each other. Within each function, the logic flows somewhat sequentially, but at least some of the steps in the logic flows associated with at least some of these functions may be omitted in some implementations of the present invention and/or may be skipped in the detailed example of the present invention depicted in Figures 4-1 1.

[0143] Referring now to Figures 4A and 4B of the drawing, depicted therein is an example Marketplace Configuration Process. Figure 4A depicts a Merchant onboarding portion of the marketplace configuration function, while Figure 4B depicts the configuration of the Merchant marketplace by Customers.

[0144] Referring initially to Figure 4A, at a Merchant Sign Up step 01 , an individual Merchant signs up/registers with the example Data Integration System 20 by creating Merchant Profile comprising Merchant Data. Merchant onboarding example depicted in Figure 4A, the Merchant Data may be compromised of contact, business, offer and/or promotion details. At a Merchant Profile Save step 02, the Merchant Data is saved to the User Database 40.

[0145] At a Merchant Uploads Media step 03, the Merchant uploads and/or edits Media Clips associated with the Merchant. The Media Clips can be identified as Recipient-facing (e.g., Merchant videos) and/or Giver-facing (e.g., promotional videos). At a Merchant Media Save step 04, the Merchant media is saved to the Media Database 44.

[0146] In the Merchant onboarding example depicted in Figure 4A, the Merchant next submits banking information to the payment services system 60 (e.g., ACH Gateway) using the Payment System 36 (e.g., ACH API) at a

Merchant Bank Details step 05. At a Merchant Bank Details Save step 06, the Merchant banking data is saved to the ACH Gateway.

[0147] The Merchant onboarding portion of the marketplace configuration function is typically populated by hundreds or thousands of Merchants to provide Customers with multiple choices for configuring the marketplace.

[0148] Referring now to Figure 4B, an example of the Marketplace

Configuration Process that may be performed by Consumers registered with the example Data Integration System 20.

[0149] At a Customer's Location Detected step S1 , the present location of the Customer is identified, assuming that the Customer has authorized location services for the Customer Application 32 running on that Customer’s Customer Device 52. In particular, if Location Services are enabled for both the Customer Device 52 and the Customer Application 34, geo-location is used to identify to the Customer’s current physical location, and the Customer’s current physical location is used as the Home City for purposes of configuring the Merchant market place for that Customer. If enabled, Location Services are prioritized over a previously saved Customer address.

[0150] At a Customer's Location Selected step S2, if Location Services are not enabled the app presents the Customer's address of record as the default Home City. Alternatively, the Customer may be prompted to enter or select a Home City for use by the Customer Application 32.

[0151] At an optional Recipient's Location step S3, the Customer may select a Recipient. If that Recipient’s location is already known by the Customer Application (either by entered address or by geo-location), the Recipient’s location is used as the Home Address. At a Recipient Details step S4, the system will Save and/or Return the Recipient's Home City for use in configuring the Merchant marketplace.

[0152] At a Marketplace Presented step S5, the Customer Application 32 presents the Customer with a relevant marketplace matching the Home City that has been Detected, Selected, or pre-Defined Home City for either the Giver or a potential Recipient. The marketplace is comprised of eligible Merchants, by business categories, Gifting occasions, or other categories. Eligible Merchants are defined as being active Merchants with retail locations that are located within the Detected, Selected or pre-Defined Home City.

[0153] For any Merchant of interest in the Merchant marketplace, the Merchant’s details may be accessed at a Merchants' Details Accessed step S6, and the Merchant’s previously entered Media Clips may be accessed at a

Merchants' Media Accessed step S7.

[0154] The example Data Integration System 20 as implemented in

Figures 4-1 1 also supports preconfigured Merchant promotional programs. Figures 5A and 5B illustrates an example Promotional Program Selection

Process by which Merchants may establish Gifts using a set of standardized promotional tools such as“Buy One, Get One” (BOGO) and“By One, Give Two”.

[0155] At a Merchant Promos Presented step P1 , the Merchant logs into Merchant Application 34 and accesses the available preconfigured promotional program options. Each preconfigured promotional program is assigned a Promo ID. At a Merchant Schedules and/or Activates Promo(s) step P2, the Merchant has the option of activating one or more preconfigured promotional programs or modifying one or more selected preconfigured promotional programs by, for example, scheduling the duration of the promotion by defining an end date of the selected preconfigured promotional program. At a Save Merchant & Promo Details step P3, the Merchant Data and data representing the Promo ID, including any default or modified parameters of the preconfigured promotional program, are saved to the User Database 40. At a View Merchant (w/ Promo) step P4, a Customer may select and view, from the Merchants or a Merchant marketplace, a Merchant Profile (Details Page) and, when active, that Merchant's available promotional programs. The details of promotional programs associated with the selected Merchant are retrieved from the User Database and presented to the requesting Customer. At a Merchant Media step P6, any Media Clips associated with the promotional programs will be presented to the requesting Customer.

[0156] At a Merchant (w/ Promo) & Amount Chosen step P7, the Giver initiates the Gift Process by selecting a Merchant and an active Merchant promotional program and setting a Gift Value associated with that Gift. At a Transaction Amount Created step P8, a Gift ID is created, and Gift Data including the Gift Value and the Gift ID is stored in the Transaction Database. The Gift Data is subsequently copied to the Gift Database 42 upon purchase. At a Merchant Media step P9, Merchant components, such as Merchant ID and, optionally, at least one Media ID, are added to the Gift Data upon completion of the purchase of the Gift.

[0157] At an Added to Gift step P10, the Promo ID associated with the Merchants Gift offer and any associated active promotional programs, along with up-to-date store location and Media Clips, to be presented with the Gift are retrieved and added to the Gift Data, and the Gift Data is stored in the Gift Database 42. At a Promotional Gift Creation step P11 , the Promo ID for the Merchants Gift offer and the active promotional programs are attached to the to allow for up-to-date store location and videos to be presented with the Gift.

[0158] At a conditional Select Promo Gift Recipient step P12, the

Customer is presented with three options related to the promotion related Gift if allowed by the parameters of the Merchant defined promotion. The first option is whether to select the Recipient of the promotional program related Gift at a Select New Recipient step P13a. If the Customer selects this option, the

Customer is directed to first complete their original transaction, after which they will have the opportunity to Create/Add or Select the NEW, i.e. OTHER

Recipient who will receive the promotional program related Gift.

[0159] If the Customer elects a Save to My Gifts step P13b, the

promotional program related Gift will be saved and included in the Giver’s My Gifts list.

[0160] If the Customer selects an Apply to Current Recipient at step P13c, the Promo Gift Value will be applied so as to increase the total value of the Gift being sent to the current Recipient.

[0161] Upon selecting a Promo Recipient at a Promo Recipient Selection Made step P14, a validation of the Credit Card occurs with the payment gateway. If the card is validated the Gift is established, scheduled or group invitations are sent depending on the Send choice. If not, the Giver is instructed to utilize another credit card.

[0162] Once the credit card is validated at a Payment Validated &

Processed P15, the Gift amount is posted to the Transaction Database with the unique Gift ID.

[0163] Once the credit card is validated the amount is fed from the

Transaction Database to the Gift Database 42 to populate the Gift Data associated with the Recipient's Gift, the other components held in temporary memory are now added to the Gift Data, stored in the Gift Database 42, and a Gift notification is sent at a Transaction Saved step P16.

[0164] Once the credit card is validated, the Giver sees a "Sent" confirmation if sent immediately at a Gift Updated step P17. If the Gift has been scheduled, the Giver sees a "Scheduled" confirmation. If the Gift is a Group Gift, the Giver sees a "Notifications Sent" confirmation. Once the Gift is sent

(regardless of date), notifications via text and email (if both were entered) are sent to the Gift Recipient as described in the Gift Receive schematic.

[0165] When applicable, a discrete Promotional Gift is created at a

Promotional Gift Created step P18. At this step, Gift (and promo) details are saved in the Gift Database 42.

[0166] At a Confirmed step P19, the example Data Integration System 20 sends messages via an API defined by the Notification System 38 to external email and SMS notification systems to send a notification of the Gift to the Recipient(s) named in the Gift. If the Recipient is already enrolled in the example Data Integration System 20, the Data Integration System 20 will send a Gift notification.

[0167] If the Gift notification is sent immediately, upon the "Sent" confirmation, the Giver is directed to a screen providing the ability to post Gift details to their account in one of several Social Media outlets at a Notifications Sent step P20. If the Giver chooses to post to a Social Media account, they are instructed to login to the Social Media account, and the Gift Post is started for them. They can then edit the Gift Post and post as normal through that Social Media account. Alternatively, the Giver can choose to make the Gift private. If the Gift is Scheduled or a Group Gift is given, the Giver is returned to the home screen of the Customer Application 32.

[0168] Turning now to Figures 6A and 6B, an example Merchant Gift Build Process will now be described.

[0169] At a step M1 , the Merchant adds one or more Recipients via the merchant application 34. Merchant created Gifts can be one to one or one to many. The Merchant can key or upload Recipient(s) name, email address, mobile number (one or the other - both are preferable) and city and State (optional).

[0170] At step M2, the Recipient(s) are temporarily saved to the User Database 40. These will be permanently saved once the Gift(s) is(are) sent. If the Gift(s) is(are) not sent, or if Recipients are deleted, the example Data Integration System 20 will not store the information.

[0171] At a step M3, the Merchant is then presented with personalization options. The Merchant can either create a Media Clip (e.g., video, still) via the user interface of the merchant application 34 or may use Media Clips from Merchant Device 54. If the Merchant use its own Media Clips, the Media Clip is saved to the Media Database 44. Alternatively, the Merchant can select preconfigured Media Clips from the System Media Library. Any Media Clips will be added to the Gift via a URL from the Media Database once the Gift(s) is(are) sent.

[0172] At a step M4, the Merchant sets the value of the Gift. The

Merchant has the option to set a conditional amount to be spent before the Gift may be redeemed. For example, the Merchant can give a $20 Gift with no conditional value, or can give $20 if the Recipient spends $50.

[0173] At step M5, the Merchant is taken to a confirmation screen and has the option to edit any of the inputs. Once complete, the Merchant clicks send.

[0174] At step M6, unique Gift IDs are created for each of the Recipients in the Gift Database 42. These Gifts are typically marked with a "Non

Exchangeable" flag, and the system 20 will not allow Merchants identified in such Merchant established Gifts to be exchanged for another Merchant.

[0175] At a step M7, the Media ID and/or URL from the selected Media Clip(s) is(are) added to the Gift Data.

[0176] At step M8, the transaction amount and any associated condition(s) is(are) saved in the Transaction Database 46. That information is then populated into the Gift Data associate with that Merchant Gift.

[0177] At step M9, the Recipient(s) is(are) saved into the User Database 40 and populate into the Gift(s).

[0178] At step M10, notifications are sent through an API defined by the notification system 36 to external notification systems (e.g., via SMS text and email (depending on what Recipient information was provided)).

[0179] The unregistered Recipient signs up as a Customer at step M1 1. When the Customer/Recipient signs up after receiving a Merchant Gift, a record of the Merchant being the referring party is made in the database, to later offer free or discounted transactions for the benefit of that Customer with the referring Merchant. When a Gift has been claimed, the status of the Gift changes to show that the Gift has been received.

[0180] The Merchant can view Gifts pending redemption in their Merchant Application 34 at step M12.

[0181] Step M13 confirms that Merchant Gifts are redeemed with the Merchant that established the Gift. Merchant Gifts thus may not be exchanged for another Merchant. The Gift Redemption Process discussion herein describes the process of redeeming gifts in detail.

[0182] An example Consumer Build Process will now be described with reference to Figures 7A, 7B, and 7C. The example Consumer Gift Build Process begins at step B1. At step B1 , the Create Recipient icon in the Customer

Application 32 is selected by the Giver to create a new Gift Recipient. If the Recipient was previously added to Gift Recipients, that person can be chosen from a list.

[0183] At step B2, contacts are accessed from the contacts on the Giver's device if available, and presented in the Customer Application 32. Customers can select a contact, or search for a contact. If the contact is not in the Customer Device 52, the Giver can create a new contact in the Customer Application 32.

[0184] At step B3, the Recipient’s contact information is imported into a Gift form, and the Giver can edit email address, mobile phone number and City and State to ensure delivery of the Gift. At step B4, the Recipient's information is saved in the Customer Application 32, including a photo of the Recipient if available.

[0185] The Recipient information is stored in the Customer Device 52 and is transferred to the User Database 40 at step B5 upon purchase of the Gift. The Recipient information is also copied to the Gift Database 42 at step B6 when the Gift is purchased. A new Gift ID is generated when the Gift Data is stored.

[0186] The Merchant Marketplace is presented to the Giver at step B7.

The details of the creation of the Merchant Marketplace are described elsewhere.

[0187] The Giver selects the Merchant at Step B8 by selecting a Merchant from the Marketplace, choosing an amount (which is adjustable) for the Gift. If any promotions are available, the Giver could also choose a promotion. This information is held in the mobile device memory until the Gift is purchased.

Once the Gift has been purchased, the Merchant Data and Promotion Data are stored. If the Gift is not purchased, or cancelled this information is deleted.

[0188] The transaction amount is created in the Transaction Database at step B9. The Transaction amount and is referred to by the Gift ID. Upon purchase that information is added to the Gift Database 42. At Step B10, the Identifier for the Merchant’s Gift offer is attached to the Gift Data entered into the Gift Database 42 to allow for up-to-date store location and videos to be

presented with the Gift. At step B1 1 , Merchant components are added to the Gift upon purchase.

[0189] At step B12, Gift personalization options are presented to the Giver. The Giver has three options for personalizing the Gift, and, in addition, a "skip" option.

[0190] The first option is for the Giver to generate media B13a. Customer media can be generated in three ways. First, the Giver may take a video "selfie" through the camera interface defined by the Customer Application 32. Second, the Giver may take a still "selfie" through the camera interface defined by the Customer Application 32. Third, the Giver may select a still image or video from the camera library of the Customer Device 54. At step B14a, the Customer generated media is saved to the Media Database 44. In addition, a unique URL is created and is compiled with the Gift upon purchase as shown at B15a.

[0191] The second option is for the Giver to utilize System Media Clips as shown at step B13b. In particular, the Customer can access media (video, stills, music) in the System Media Library. The Customer can preview the media and select, or choose different media stored in the System Media Library by the operators of the Data Integration System 20. The media data associated with Media Clips stored in the System Media Library is stored in the Media Database 44. The media is selected at B14b. The unique URL for the selected media is added to the Gift upon purchase at step B15b.

[0192] The third option is for the Giver to type a text message, including text and/or emoji's at step B13c. This option can be used in combination with Giver or System generated Media Clips. The text and emoji's are added to the Gift Data at step B14c upon completion of the purchase of the Gift.

[0193] Once the personalization is complete, the Giver is taken, at B16, to a user interface screen that includes all of the elements of the Gift. The Giver can edit any of these elements, cancel the Gift, or save the Gift. If the Gift is cancelled, the information held in the Customer Application 32 on the Customer Device 52 will be deleted and will not be populated into any of the databases of the Data Integration System 20.

[0194] Upon Confirmation of the Gift at step B17, the Giver is taken to the screen to Send the Gift. The Giver can send the Gift immediately, schedule to send the Gift at another time, or choose Group Gift and add others to the Gift. The Customer can change payment information on this screen and is prompted to add payment if this information has not already been stored in the System 20.

[0195] A Send Now step may be selected at B18a, at which point Gift transaction is finalized and processed.

[0196] A Schedule step may be chosen at B18b. When the Schedule step is selected, the Giver is brought to a screen to pick the date and time at which the Gift is delivered. The Giver selects and confirms the delivery date and chooses send. The Gift transaction is finalized and processed.

[0197] Step B18c allows a Giver Group Gift to be purchased. A Giver Group Gift allows multiple people to contribute money and greetings to the Recipient. The Giver is brought to a screen to pick Recipients of the Recipient Group Gift invitation. The Giver chooses Recipients from contacts database on the Customer Device 52, or adds a new contact(s). The Giver creates a custom message in text or in a video to be sent in the invitation to the group. The Giver chooses a delivery time and date of the Gift. A notification is added to the invitation letting invitees know by when they need to add to the Gift. The Giver is brought to a screen to confirm the details and may edit any component. The Giver confirms, and the transaction is processed. Please see the Group Build schematic for details on how others add to the Gift.

[0198] Upon making a Send choice at step B19, a validation of the Credit Card occurs with the payment gateway. If the card is validated, the Gift notification is sent. The Gift notification may be scheduled or a group invitation sent depending on the choice. If not, the Giver is instructed to utilize another credit card. Once the credit card is validated, the Gift amount is posted to the Transaction Database with the unique Gift ID at step B20.

[0199] Once the credit card is validated, the amount is transmitted at step B21 from the Transaction Database 46 to the Gift Database 42 to populate the Recipient's Gift. All of the other components of the Gift that may be been stored in temporary memory are now added to the Gift Data that is stored in the Gift Database 42.

[0200] Once the credit card is validated, the Giver is presented with a "Sent" confirmation step B22 if sent immediately. If the Gift has been scheduled the Giver sees a "Scheduled" confirmation. The Giver sees a "Notifications Sent" confirmation. Once the Gift notification is sent (regardless of date) notifications via text and email (if both were entered) are sent to the Gift Recipient. Please see Gift Receive schematic for details about redeeming gifts.

[0201] The example Data Integration System 20 sends messages at step B23 using the notification system 38 (e.g., notification API) to external email and SMS notification systems to send a notification of the Gift to the Recipient. If the Recipient is already enrolled in the Data Integration System 32, a notification may also be sent by the Data Integration System 20.

[0202] If the Gift notification is sent immediately, upon the "Sent" confirmation at B24, and the Giver is directed to a screen providing the ability to post Gift details to their account in one of several Social Media outlets. If they choose to post certain details about the received Gift to a Social Media account, the Giver is instructed to login to the account, and the Gift Post is started for them. They can then edit the post and submit the post as normal through that account. Alternatively, the Giver can choose to make the Gift private. If the Gift is Scheduled or a Group Gift is given, the Giver is taken back to the home screen of the Customer Application 32.

[0203] Once the Gift Process is completed, the Giver chooses "Done" at step B25, and, at step B26, the Giver is returned to the home screen of the Customer Application 32.

[0204] An example Group Build process will now be described with reference to Figures 8A and 8B. The process starts with an initiating Giver establishing a Giver Group Gift as described herein. At that time, the initiating Giver identifies additional Givers who may want to participate in the Giver Group Gift. When the initiating Giver identifies the gift as a Giver Group Gift, an invitation is presented at step G1 to the additional Givers identified by the original Giver to add both money and greetings to the Giver Group Gift. The additional Givers will be prompted to download the Giver Group Gift and/or login if they already are enrolled.

[0205] At step G2, the Merchant selected by the original Giver will be presented. The additional Giver(s) will select the amount of an Additional Gift Value to be added to the Giver Group Gift. The Additional Gift Value is held in the Customer Application 32 storage, and upon purchase the amount of the Additional Gift Value will be added to the Transaction Database at step G3. The Additional Gift Value amount will be added to the previous value of the Giver Group Gift upon purchase at step G4.

[0206] The Giver Group Gift personalization options are presented to the additional Giver at step G5, where the additional Giver has three personalization options and a "skip" option. The first option, presented at step G6a, is for the additional Giver to generate Media Clips. Customer media can be generated in three ways. First, the additional Giver may take a video "selfie" through the camera interface defined by the Customer Application 32. The additional Giver may take a still "selfie" through the camera interface defined by the Customer Application 32. Third, the additional Giver selects a still or video from the camera library on the Customer Device 52. At step G7a, the Customer generated media is saved to the Media Database 44. At step G8a, a unique URL is created and is compiled with the Gift Data upon completion of the purchase of the Giver Group Gift.

[0207] The second option is for the additional Giver to utilize System Media Clips. At step G6b, the additional Giver can access Media Clips (e.g., video, stills, music) in the System Media Library. The Customer can preview System Media Clips and choose a desired System Media Clip. The desired System Media Clip is selected at step G7b. At step G8b, the unique URL for the selected media System Media Clip is added to the Gift data upon completion of the purchase of the Giver Group Gift.

[0208] The third option is for the additional Giver to type a message including text and/or emoji's at step G6c. This option can be used in combination with Giver or System generated Media Clips. At step G7c the text and emoji's are added to the Giver Group Gift upon completion of the purchase of the Giver Group Gift.

[0209] Once the personalization is complete, the additional Giver is taken to a screen at step G9 where the elements of the Giver Group Gift are displayed. The additional Giver can edit the amount and the personalization, can cancel their contribution to the Giver Group Gift, or finalize and save the Giver Group Gift. If the Giver Group Gift is cancelled, all of the information held in the

Customer Application 32 on the Customer Device 52 will be deleted and will not populate in the Data Integration System 20. If the additional Giver chooses to finalize and save the Giver Group Gift, the additional Giver will then choose to Add their amount and personalized message at step G10. Upon completion, a validation of the Credit Card using the payment system 36 is performed at step G1 1. If the card is validated, the amount of the Additional Gift Value is added to the Giver Group Gift. If not, the additional Giver is instructed to utilize another credit card. Once the credit card is validated, the Additional Gift Value is posted to the Transaction Database 46 with the unique Gift ID at step G12.

[0210] When the Additional Gift Value has been posted to the Transaction Database 46, the Additional Gift Value is retrieved from the Transaction

Database and stored in the Gift Database 42 and will be reflected in the

Customer Application 32 of the additional Giver. All of the other components held in temporary memory, are now added to the Gift. At this point, the Giver sees an "Added" confirmation on the user interface of the Customer Application at step G14.

[0211] On the date and time selected by the original Giver, at step G15 the example Data Integration System 20 sends messages via the Notification System (e.g., Notification API) to external email and SMS notification systems to cause a notification of the given Giver Group Gift to be sent to the Recipient(s) of the Giver Group Gift. If the Recipient is already enrolled in the example Data Integration System 20, a system notification will also be sent.

[0212] Once confirmed, the additional Giver is taken back to the home screen of the Customer Application 32 at step G16.

[0213] Referring now to Figures 9A and 9B of the drawing, an example Recipient Notification Process will now be described in further detail.

[0214] At step N1 , the example Data Integration System 20 sends messages via an API to external email and SMS notification systems to send a notification of the Gift to the Gift Recipient at the date and time selected by the Giver (or original Giver for Giver Group Gifts). If the Recipient is already enrolled in the example Data Integration System 20, a system notification will also be sent.

[0215] At a Receive Notification step N2, the Recipient receives text, email and/or in-app notification that a Gift has been established in the mane of the Recipient. At a Download Customer App step N3, the unregistered Recipient can download from device-specific App Store if Customer does not yet have the Customer Application 32 or a Customer Account. At a Login, Download, Install, Open step N4, the Customer will be guided through the installation and

registration process. In particular, at step Customer Sign Up/Registration step N5, the unregistered Recipient enters personal details, payment method, and preferences. At step N6, the Recipient Profile is Saved in the app, including photo if available. At step N7, the Recipient Profile is Transferred, Updated and Saved to the User Database 40.

[0216] When the Recipient is registered, at step N8 Gift details are

Transferred, Updated, and Saved to the Gift Database 42 in the name of the Recipient. At step N9, transactions Details including date/timestamp and Status are Updated and Saved to the Transaction Database 46. At that point, Gift Data is transferred to the Recipient’s Customers Device 52 and viewed using the Recipient’s Customer Application at a View Received Gift step N10.

[0217] In particular, at a Giver Details step N1 1 , the details of the Giver are transferred to the Recipient’s Customer Device 52 and presented to the Recipient using the Recipient’s Customer Application 32. The Gift details, including identity of the Merchant, are similarly transferred to the Recipient’s Customer Device 52 and presented to the Recipient using the Recipient’s Customer Application 32 at a Gift Details step N12. Finally, the Merchant and/or Giver Media Clips associated with the Gift by Media IDs are transferred to the Recipient’s Customer Device 52 and presented to the Recipient using the Recipient’s Customer Application 32 at a Merchant/Giver Media step N13.

[0218] At a Schedule Reminder step N14, the Recipient can schedule a reminder and/or set notification preferences through the user interface of the Recipient’s Customer Application 32. At a Save Gift Details step N15, the settings and/or preferences of the Recipient/Customer may be updated, and the updated settings and/or preferences are stored in the Gift Database 42.

[0219] After the Recipient Notification Process is complete, an optional Recipient Reply Process may be presented to the Recipient. An example of an optional Recipient Reply Process will now be described. At a Reply to Giver step R1 , one or more reply personalization options are presented to the Recipient. In the example shown in Figures 9B, the Recipient is presented with three personalization options and a "skip" option at step R1.

[0220] The first option is a Customer-generated Media step R2a that allows the Recipient to generate Media Clips. Customer Media Clips can be generated in three ways. First, the Recipient takes a video "selfie" through the camera interface defined by the Customer Application 32. Second, the Recipient takes a still“selfie” through the camera interface defined by the Customer Application 32. Third, the Recipient selects a still or video from the camera library stored on the Customer Device 52. At a Save Customer-generated Media step R3a, the Recipient-generated Media Clip is saved to the Media Database 44. At step R4a, a URL unique to the Media Clip is created, transferred, and saved in the Gift Database 42.

[0221] The second option is for the Recipient to utilize System Media Clips. At a System Media Library Access step R2b, the Recipient can access video clips stored in the System Media Library. The Recipient can preview different media clips by category or the like and select a desired System Media Clip. At a Save System Media Clips step R3b, the System Media is selected from the System Media Library and Saved to the Media Database 44. At Gift details Updated step R4b, a unique URL to the selected System Media Clip is Created and Transferred to and Saved in the Gift Database 42.

[0222] The third option is for the Recipient to type a text message. At Media Clip option step R2c, the Recipient enters text, emoji, and the like. At an Update Gift Details step R3c, the Recipient's text message is added to the Gift Database 42.

[0223] To complete the Recipient Reply Process, the Recipient will send a reply to be delivered immediately to the Giver through the Customer Application 32 at a Confirm, Edit & Send Reply step R4.

[0224] At a Post & Return Home step R5, the Recipient is prompted to post the Reply to available Social Media channels (e.g. Facebook & Twitter).

The Recipient may optionally make the Reply private. At this point, the Recipient Reply Process is complete, and the Gift is closed, and the Recipient is returned to the Home Page of the Customer Application 32.

[0225] An example Redeem Gift Process will now be described with reference to Figures 10A, 10B, and 10C. The example Redeem Gift Process comprises a Receive Alert/Access Customer Application Process and an optional Change Gift Amount Process as shown in Figure 10A, an optional Exchange Merchant Process as shown in Figure 10B, and a Redemption Transaction Process as shown in Figure 10C. Examples of the Receive Alert/Access

Customer Application Process, the optional Change Gift Amount Process, the optional Exchange Merchant Process, and the Redemption Transaction Process will now be described.

[0226] Figure 10A illustrates that the Recipient receives notification or alert reminding the Recipient of the existence of the Gift at a Receive Calendar Alert step A1. In addition or instead, the Recipient may receive notification or alert notifying the Recipient that the Recipient’s physical location is proximate to the Merchant associated with the Gift at a Receive Proximity Alert step A2. The Recipient is prompted to view the Gift at step A3. If the Recipient elects to view the Gift, the Gifter details are retrieved at step A4, the Gift details are retrieved at step A5, and the Merchant and/or Giver Media is retrieved at step A6. The Giver details, Gift details, and any media clips associated with the Gift may be viewed by the Recipient using the Customer Application 32 on the Recipient’s Customer Device 52. The Recipient may elect to redeem the Gift at this point.

[0227] Optionally, the Recipient has the opportunity to change the Gift Value before the Gift is redeemed as shown at step C1 in Figure 10A. In particular, at a Change Amount Step C1 , the Recipient is presented with the option to change the Gift Value (e.g., the amount to be redeemed). If the

Recipient enters a new Gift Value, the Gift Data reflecting the change to the Gift Value are transferred to and save to the Gift Database 42 at a Gift Details Saved step C2. At a Save Transaction Details step C3, the increase to the Gift Value and new balance of the Gift Value are saved to the Transaction Database 46.

[0228] The Recipient additionally has the opportunity to change the Merchant associated with the Gift using an optional Exchange Gift Merchant Process before the Gift is redeemed as shown in Figure 10B. In particular, at an Exchange Gift Merchant step X1 , the Recipient is presented with the option to Change the Merchant associated with the Gift. At a step X2, the Merchant Marketplace appropriate for the Recipient is presented based on the Recipient’s physical location or other parameters. Please see the discussion of the Creation of the Merchant Marketplace schematic for details about the Merchant

Marketplace.

[0229] At a Select New Merchant step X3, the Recipient is allowed to exchange the original Merchant for a new Merchant selected from the Merchant Marketplace. At a Save Gift Details step X3, the Gift data reflecting the new Gift details is transferred and saved to the Gift Database 42. At a Save Merchant Media step X5, the Media ID(s) of the Merchant Media Clips associated with the newly selected Merchant is(are) saved to the Gift Database 42. At a Save Transaction Details step X6, new Transaction Data reflecting the change in the Merchant are saved in the Transaction Database 46. At a View Gift step X7, the updated Gift Data is transferred to the Customer Device 52. At a Giver Details step X8, the Giver Data associated with the updated Gift is transferred to the Customer Device 52. At a View Gift Details step X9, the Gift Data reflecting the new Merchant may be viewed using the Customer Application 32 on the

Customer Device 52.

[0230] Additionally, at a Merchant Media Step X10, the Merchant Media Clips associated with the new Merchant are transferred to the Customer Device 52 and may be viewed using the Customer Application 32 on the Customer Device 52.

[0231] Referring now to Figure 10C of the drawing, depicted therein is an example Gift Redemption Transaction process. At a Redeem Gift step T1 , the Recipient initiates a Redeem Process. At a Merchant Verification and Approval step T2, the Merchant verifies and approves the Transaction using the Merchant Device 54 and the Merchant Application 34 to approve Redemption Request. At a Save Transaction Details step T3, Transaction Data associated with

Transaction Details is saved in the Transaction Database 46 to reflect Redemption Status and new Gift Value balance, if the Gift Value balance is greater than zero. At a Save Gift Details step T4, the Gift Data reflecting the Gift Details is saved in the Gift Database 42 such that the Gift Data accurately reflects the status and balance of the Gift after the Redemption Transaction.

[0232] At an Initiate Funds Transfer step T5, the Data Integration System 20 aggregates a single day's transactions stored in the Transaction Database 46 and initiates a batch ACH transfer of funds from the Escrow account to the Merchant Payment Accounts associated with each Merchant for which

transactions have been processed the using the Payment System 36 and

Payment Services System 60. At a Merchant ACH Settlement step T6, Merchant Transactions are Reconciled, and confirmation that the accounts have reconciled is transferred to the Merchant and to the example Data Integration System 20.

[0233] Figures 1 1 -37 illustrate screen shots of example user interface elements that may be presented to the Customers by the Customer Application 32 when using an example of the Data Integration System 20. In the example screen shots depicted in Figures 1 1 -37, the Customer Device is an iPhone, and the Customer Application that generates these user-interface screens is an iOS app that is downloaded from the Apple App Store. The screen shots depicted in Figures 1 1 -37 thus assume user input is through direct manipulation using multi- touch gestures. Other makes of Customer Devices, associated operating systems, and user interface elements may be used in addition or instead.

[0234] IV. Example Consumer Application User Interface

[0235] Figure 1 1 A illustrates an example of a display of a Gift to a

Recipient. The example display comprises a still image (shown in solid outline) and a Play button that allows a Gift Video Clip selected by the Giver to be played. Swiping the screen displays the details of the Gift as shown in Figure 1 1 B. The details of the Gift include the name of the Merchant and the Gift Value. A Play button allows a Gift Video Clip associated with the Merchant to be played. A Redemption Transaction for the Gift may initiate touching a Redeem button.

[0236] Figure 12 illustrates an example of a screen for allowing the Giver to select or add a Recipient to a Gift. Figure 13 illustrates a list of contacts displayed as potential Recipients for a Gift. The details of the particular

Recipient may be confirmed as shown in Figure 14. In Figure 15, the Gift Value is selected by touching the increase (+) and decrease (-) buttons. The Gift Video Clip associated with the selected Merchant is also playable by pressing the Play button in Figure 15.

[0237] The Giver may generate or select a Gift Video Clip as shown in Figure 16. If the Giver selects the Video Selfie button in Figure 16, the user interface presents a video camera screen as shown in Figure 17. Touching the Circle element in Figure 17 starts and stops video recording. If the Giver selects the TXT & EMOJI button in Figure 16, the user interface presents a data entry screen as shown in Figure 18. Text and emoji may be entered by interacting with the Keyboard element shown in Figure 18. If the Giver selects the AIRSFIARE LIBRARY button in Figure 16, the user interface presents a categorized list of System Video Clips as shown in Figure 38. System video clips may be previewed and selected by interfacing with the individual entries in the displayed lists.

[0238] Figure 19 illustrates an example of a user interface screen that allows the Giver to send the completed Gift to the Recipient. This screen summarizes current status of the Gift, allows the Giver to identify the Gift as a Group Gift, and allows the Giver to schedule the day on which the Gift is sent to the Recipient. If the Giver elects to schedule the day and time for sending the Gift, the Giver is presented with a Calendar screen as depicted in Figure 20 to pick the day on which the Gift will be sent. If the Giver elects to make the Gift a Group Gift, the Giver is presented with a list of other possible Givers/Recipients as depicted in Figure 21 to include in the Gift.

[0239] Figure 22 illustrates an example interface screen that may be presented to allow Givers to notify others of the existence of the Gift by posting certain details of the Gift to social media accounts, in this case Facebook and Twitter. The Giver also has the option to make the Gift private.

[0240] Figure 24 illustrates a user interface screen depicting a new contact form that may be filled out when creating a new contact that may function as a Recipient.

[0241] Figure 25 illustrates a user interface screen depicting a Gift

Notification screen that is displayed, after the Gift has been sent, to an

unregistered Recipient. The unregistered Recipient may set up a Customer Account by downloading a copy of the Customer Application as shown in Figure 25 and then entering in Customer Data into New Customer Form as shown in Figure 26.

[0242] A Gift Media Clip is displayed to a previously registered or newly registered Recipient as shown in Figure 27A. Pressing the Play button in Figure 27A plays the Giver Media Clip associated with that Gift. Swiping the screen in Figure 27A brings up a Gift Details screen that displays the details of the Gift and allows a Merchant Video Clip to be played by pressing a Play button as shown in Figure 27B. The Recipient is given the option of adding value to the Gift Value as shown in Figure 28.

[0243] When the Gift has been received and/or redeemed, the Recipient may Reply to the Gift by choosing an appropriate option in Figure 29. The Recipient may record a Recipient-created Reply Media Clip by pressing the VIDEO SELFIE button in Figure 29 to bring up a video camera screen as shown in Figure 30. Pressing the Circle button depicted in Figure 30 starts and stops video recording. Other Reply Media Clip options may also be selected using the screen depicted in Figure 29 such as by pressing a TXT & EMOJI button to go to a text and emoji entry screen as depicted in Figure 31.

[0244] The Recipient may initiate a Redeem Gift process as shown in Figure 32. To redeem, the Merchant name and Merchant Video Clip are presented along with the Gift Value and a Redeem button. Pressing the Redeem button starts the Redemption Transaction process. Alternatively, the Recipient may elect to change the Merchant associated with the Gift by swiping the screen depicted in Figure 32 to bring up an Exchange Merchant screen in Figure 34.

The Recipient may select a new Merchant and change from the original

Merchant to the new Merchant by touching the Exchange button in Figure 34. Figure 23 illustrates a change amount screen that allows the Recipient to select/alter the Gift Value by entering the new (increased) Gift Value and then touching a CFIANGE button.

[0245] Figure 35 allows a Giver to select a registered Recipient, in which case the Merchant Marketplace associated with the selected registered Recipient is displayed (e.g., San Diego). The Giver may swipe sideways to scroll through groups of Merchants and select a Merchant to be taken to the selected

Merchant’s details page. Figure 36 allows a Giver to browse through a Merchant Marketplace based on the Giver’s location (e.g., Santa Barbara). The Giver may swipe sideways to scroll through Merchants and select a Merchant to be taken to the selected Merchant’s details page.

[0246] Figures 37 and 38 illustrate screens that display the System Video Library to Recipients (Figure 37) or Givers (Figure 38 to allow the Recipients and Givers to scroll through categories of related System Video Clips, preview the System Video Clips, and select a desired System Video Clip. The selected System Video Clip may be customized using media such as text and emoji.

[0247] In addition, blockchain technology may be used to enhance the security and fault tolerance of the processing of data and transactions and transfer of funds as described herein.

[0248] V. Example Re-Take Cover Process

[0249] Referring now to Figures 39A-C and 40-44, an example re-take cover process that may be used as part of the example Data Integration System 20 will now be described. In particular, the example re-take cover process depicted in Figures 39A-C and 40-44 may be used to augment the consumer build process depicted in Figures 7A-7C above. Although the example re-take cover process is described herein in the context of consumers or customers using the Consumer Application 32, the example re-take cover process may also be used by merchants using the Merchant Application 34.

[0250] The term“cover” as used herein is a single image that is

representative of a video clip. The single image may be from the video clip, may be a photograph taken separately from the video clip, , or may be selected from a library of previously stored images. The example re-take cover process implemented as part of the consumer build process depicted in Figures 39A-C and 40-44 by allowing the user to generate a new cover as desired.

[0251] The example re-take cover process implemented as part of the consumer build process depicted in Figures 39A-C and 40-44 assumes that a unique User ID is created for every user as generally described above. User name, email, phone, city and credit card token are associated with each User ID and stored in the User Database 40. In this example, a unique Gift ID is additionally created for every Gift and stored in the Gift Database 42 as described above. The Gift Database 42 stores the user, merchant and amount information for each Gift. Also as generally described above, the data associated with each Gift ID is compiled or associated with the User ID of the recipient user such that a recipient can correctly view all of their Gifts, their current status, and balance.

[0252] The example re-take cover process also employs a unique Media ID that is created for every user Media Clips (videos and photos generated by gifters/recipients) and with merchant Media Clips (videos and photos generated by merchants). Media ID’s are stored in the Media Database 44 in the depicted example. A URL is associated with the Media ID for Media Clips stored by services outside of the example Data Integration System 20. The correct URLs are compiled or associated with each Gift in order to deliver the correct Media Clips with each Gift.

[0253] As discussed above, all transaction information (e.g., buy, redeem, exchange) associated with a Gift is stored in the secure Transaction Database 46. The Transaction Database 46 supports transaction flows to Merchants and is the source for reporting the current balance of any given Gift.

[0254] With the foregoing understanding of the data structures used as part of the example re-take cover process forming a part of the consumer build process depicted in Figures 39A-C and 40-44, the details of the example customer build process and re-take cover process forming a part thereof will now be described.

[0255] At a step B1 depicted in Figure 39A, a Create Recipient icon in the Customer Application 32 is selected by the Gifter to create a new Gift recipient. If the Recipient was previously added to Gift Recipients, that person can be chosen from a list. At step B2, contacts are accessed from the contacts presented in the Customer Application 32 on the Gifter's device. Users can select a contact, or search for a contact. If the contact is not in the device, the Gifter can create a new contact in the Gift application. At step B3, the contact information associated with the Recipient is imported into a Gift form. The Gifter can edit email address, mobile phone number, and City and State to ensure delivery of the Gift. At step B4, the Gift Recipient's information is saved in the Customer Application 32, including photo if available.

[0256] As shown at step B5, the contact information associated with the Recipient is held in the storage on the Consumer Device 52 and may be transferred to the User Database 40 upon purchase of the Gift. As shown at step B6, the Recipient information is also copied to the Gift Database 42 when the Gift is purchased, and a new Gift ID is generated.

[0257] At step B7, the Gift Marketplace is presented as generally described above. At step B8, the Gifter identifies the Merchant associated with a particular Gift by selecting a Merchant from the Marketplace and choosing an amount for the Gift. The amount of the Gift is adjustable. If any promotions are available, the Gifter could also choose a promotion. This information is held in the memory of the Consumer Device 52 until the Gift is purchased. Purchase of the Gift is completed once all of these actions take place. If the Gift is not purchased or is cancelled, this information is deleted.

[0258] At step B9, the transaction amount is created in the Transaction Database 46 and is referred to by the Gift ID. Upon purchase that information is added to the Gift Database 42. At step B10, the identifier for the merchants gift offer is attached to the Gift database 42 entry to allow for up-to-date store location and videos to be presented with the gift. As shown at step B1 1 , merchant components are added to the Gift upon completion of the purchase.

[0259] As shown at step B12, Gift personalization options are presented.

In the example described herein, the user/Gifter has three options for

personalization and a "skip" option.

[0260] The first personalization option is depicted at step B13a. The first personalization option is for the Gifter to generate media. User media can be generated in three ways: 1 ) the Gifter takes a video "selfie" through the camera interface of the Consumer Application 32; 2) the Gifter takes a still "selfie" through the camera interface of the Consumer Application 32; and/or 3) the Gifter selects a still or video from the camera library.

[0261] At steps B13ai, the Gifter has the option to create (re-take) or upload a New Cover (still photo) for the Gift. At step B14a, the user generated media is saved to the Media Database 44. At step B15a, a unique URL is created and is compiled or associated with the Gift upon completion of the purchase. At step B13b, a second option is for the Gifter to utilize Gift media.

The user can access media (video, stills, music) in the Gift library. The user can preview the media and select, or choose, different media. At step B14b, the desired Gift media is selected. At step B15b, the unique URL for the selected media is added to the Gift upon purchase.

[0262] The third option is for the Gifter to type a text message and integrated emoji's as shown at B13c. This option can be used in combination with Gifter generated media or Gift media. At step B14c, the entered text and/or emoji's are added to the Gift upon purchase.

[0263] Once the personalization is complete, the Gifter is taken to a screen which includes all of the elements of the Gift as shown at step B16. The Gifter can edit any of these elements, cancel, or save the Gift. If the Gift is cancelled, all of the information held in the Customer Application 32 on the device will be deleted and will not populate in the Gift system.

[0264] Upon Confirming, the Gifter is taken to the screen to Send the Gift as shown at step B17. The Gifter can send the Gift immediately, schedule to send the Gift at another time, or choose Group Gift and request others add to the Gift. The user can change payment information on this screen or is prompted to add it if it has not been added.

[0265] At step B18a, Send Now is chosen and the transaction is processed. At step B18b, Schedule is chosen, and the Gifter is brought to a screen to pick the date and time at which the Gift is delivered. The Gifter selects and confirms the delivery date, and chooses send, and the transaction is processed.

[0266] At step B18c, Group is chosen. A Group Gift allows multiple people to contribute money and greetings to the Recipient. The Gifter is brought to a screen to pick recipients of the Group Gift invitation. The Gifter chooses recipients from the device contacts database or adds a new contact(s). The Gifter creates a custom message in text or in a video to be sent in the invitation to the group. The Gifter chooses a delivery time and date of the Gift. A notification is added to the invitation letting invitees know by when they need to add to the Gift. The Gifter is brought to a screen to confirm the details and may edit any component. The Gifter confirms, and the transaction is processed. Details of the Group Build process describing how others add to the Gift are described elsewhere herein.

[0267] At step B19, a validation of the Credit Card occurs with the payment gateway upon making a Send choice. If the card is validated, the Gift is sent, the Gift is scheduled, or group invitations are sent, depending on the Gifter’s choice. If the Credit Card is not validated, the Gifter is instructed to utilize another credit card. Once the credit card is validated the Gift amount is posted to the Transaction database with the unique Gift ID as shown at step B20.

[0268] At step B21 , once the credit card is validated the amount is fed or transferred from the Transaction Database 46 to the Gift Database 42 to populate the Recipient's Gift. All of the other components of the Gift, which have heretofore been held in temporary memory, are added to the Gift when

transferred to the Gift Database 42.

[0269] As further shown at step B22, once the credit card is validated the Gifter sees a "Sent" confirmation if sent immediately. If the Gift has been scheduled the Gifter sees a "Scheduled" confirmation. If the Gift is a group Gift the Gifter sees a "Notifications Sent" confirmation. Once the Gift is sent

(regardless of date) notifications via text and email (if both were entered) are sent to the Gift Recipient. The Gift Receive process is described in detail elsewhere herein.

[0270] At step B23, the data integration server 50 sends messages via an API to external email and SMS notification systems to send a notification of the gifted Gift to the Gift Recipient. If the Recipient is already enrolled in the system, a Gift system notification will also be sent.

[0271] As shown at step B24, if the Gift is sent immediately, upon the "Sent" confirmation, the Gifter is directed to a screen providing the ability to post Gift details to their account in one of several Social Media outlets. If they choose to post to a Social Media account, they are instructed to login to the account and the Gift Post is started for them. They can then edit the post and post as normal through that account. Alternatively, the Gifter can choose to make the Gift private. If the Gift is Scheduled or a Group Gift is given, the Gifter is taken back to the Gift Home screen.

[0272] At an optional step B24a, the Gifter may opt to send the Gift using personal text or email. In particular, Gifter is provided the option to also send the Gift notification to the Gift Recipient via SMS Txt Msg or Email. The app directly opens or accesses the device's default Messaging app or Email app and, so, sends a second Gift notification directly from the Gifter's personal mobile number or email address. The use of personal text or email may obviate the need to use an external mail system or SMS notification system.

[0273] Once completed, the Gifter chooses "Done” at step B25, and the Gifter is taken back to the Home screen at step B26.

[0274] VI. Example 45A-C and 46-53 Process

[0275] Figure 45A illustrates that the Recipient receives notification or alert reminding the Recipient of the existence of the Gift at a Receive Calendar Alert step A1. In addition or instead, the Recipient may receive notification or alert notifying the Recipient that the Recipient’s physical location is proximate to the Merchant associated with the Gift at a Receive Proximity Alert step A2. The Recipient is prompted to view the Gift at step A3. If the Recipient elects to view the Gift, the Gifter details are retrieved at step A4, the Gift details are retrieved at step A5, and the Merchant and/or Giver Media is retrieved at step A6. The Giver details, Gift details, and any media clips associated with the Gift may be viewed by the Recipient using the Consumer Application 32 on the Recipient’s

Consumer Device 52. The Recipient may elect to redeem the Gift at this point.

[0276] Optionally, the Recipient has the opportunity to change the Gift Value before the Gift is redeemed as shown at step C1 in Figure 45A. In particular, at a Change Amount Step C1 , the Recipient is presented with the option to change the Gift Value (e.g., the amount to be redeemed). If the Recipient enters a new Gift Value, the Gift Data reflecting the change to the Gift Value are transferred to and save to the Gift Database 42 at a Gift Details Saved step C2. At a Save Transaction Details step C3, the increase to the Gift Value and new balance of the Gift Value are saved to the Transaction Database 46.

[0277] The Recipient additionally has the opportunity to change the Merchant associated with the Gift using an optional Exchange Gift Merchant Process before the Gift is redeemed as shown in Figure 45B. In particular, at an Exchange Gift Merchant step X1 , the Recipient is presented with the option to Change the Merchant associated with the Gift. At a step X2, the Merchant Marketplace appropriate for the Recipient is presented based on the Recipient’s physical location or other parameters. Please see the discussion of the Creation of the Merchant Marketplace schematic for details about the Merchant

Marketplace.

[0278] At a Select New Merchant step X3, the Recipient is allowed to exchange the original Merchant for a new Merchant selected from the Merchant Marketplace. At a Save Gift Details step X3, the Gift data reflecting the new Gift details is transferred and saved to the Gift Database 42. At a Save Merchant Media step X5, the Media ID(s) of the Merchant Media Clips associated with the newly selected Merchant is(are) saved to the Gift Database 42. At a Save Transaction Details step X6, new Transaction Data reflecting the change in the Merchant are saved in the Transaction Database 46. At a View Gift step X7, the updated Gift Data is transferred to the Customer Device 52. At a Giver Details step X8, the Giver Data associated with the updated Gift is transferred to the Customer Device 52. At a View Gift Details step X9, the Gift Data reflecting the new Merchant may be viewed using the Customer Application 32 on the Customer Device 52.

[0279] Additionally, at a Merchant Media Step X10, the Merchant Media Clips associated with the new Merchant are transferred to the Customer Device 52 and may be viewed using the Customer Application 32 on the Customer Device 52.

[0280] Referring now to Figure 45C of the drawing, depicted therein is an example Gift Redemption Transaction process. At a Redeem Gift step T1 , the Recipient initiates a Redeem Process. At a Gift Details step T2, the Merchant details for the redeemed Gift are saved in the Gift database. At a Save

Transaction Details step T3, Transaction Data associated with Transaction Details is saved in the Transaction Database 46 to reflect Redemption Status and new Gift Value balance, if the Gift Value balance is greater than zero. At a Payment Display for Visual Verification step T4, Merchant verifies and approves the Transaction using the Merchant Device 54 and the Merchant Application 34 to approve Redemption Request. The Gift Data reflecting the Gift Details is saved in the Gift Database 42 such that the Gift Data accurately reflects the status and balance of the Gift after the Redemption Transaction.

[0281] At an Initiate Funds Transfer step T5, the Data Integration System 20 aggregates a single day's transactions stored in the Transaction Database 46 and initiates a batch ACFI transfer of funds from the Escrow account to the Merchant Payment Accounts associated with each Merchant for which

transactions have been processed the using the Payment System 36 and

Payment Services System 60. At a Merchant ACFI Settlement step T6, Merchant Transactions are Reconciled, and confirmation that the accounts have reconciled is transferred to the Merchant and to the example Data Integration System 20. VII. Example 54A-C and 55-61 Process

[0282] An example Consumer Build Process will now be described with reference to Figures 54A, 54B, and 54C. The example Consumer Gift Build Process begins at step B1. At step B1 , the Create Recipient icon in the

Customer Application 32 is selected by the Giver to create a new Gift Recipient.

If the Recipient was previously added to Gift Recipients, that person can be chosen from a list.

[0283] At step B2, contacts are accessed from the contacts on the Giver's device if available, and presented in the Customer Application 32. Customers can select a contact, or search for a contact. If the contact is not in the Customer Device 52, the Giver can create a new contact in the Customer Application 32.

[0284] At step B3, the Recipient’s contact information is imported into a Gift form, and the Giver can edit email address, mobile phone number and City and State to ensure delivery of the Gift. At step B4, the Recipient's information is saved in the Customer Application 32, including a photo of the Recipient if available.

[0285] The Recipient information is stored in the Customer Device 52 and is transferred to the User Database 40 at step B5 upon purchase of the Gift. The Recipient information is also copied to the Gift Database 42 at step B6 when the Gift is purchased. A new Gift ID is generated when the Gift Data is stored.

[0286] The Merchant Marketplace is presented to the Giver at step B7.

The details of the creation of the Merchant Marketplace are described elsewhere.

[0287] The Giver selects the Merchant at Step B8 by selecting a Merchant from the Marketplace, choosing an amount (which is adjustable) for the Gift. If any promotions are available, the Giver could also choose a promotion. This information is held in the mobile device memory until the Gift is purchased.

Once the Gift has been purchased, the Merchant Data and Promotion Data are stored. If the Gift is not purchased, or cancelled this information is deleted.

[0288] The transaction amount is created in the Transaction Database at step B9. The Transaction amount and is referred to by the Gift ID. Upon purchase that information is added to the Gift Database 42. At Step B10, the Identifier for the Merchant’s Gift offer is attached to the Gift Data entered into the Gift Database 42 to allow for up-to-date store location and videos to be

presented with the Gift. At step B1 1 , Merchant components are added to the Gift upon purchase.

[0289] At step B12, Gift personalization options are presented to the Giver. The Giver has three options for personalizing the Gift, and, in addition, a "skip" option.

[0290] The first option is for the Giver to generate media B13a. Customer media can be generated in three ways. First, the Giver may take a video "selfie" through the camera interface defined by the Customer Application 32. Second, the Giver may take a still "selfie" through the camera interface defined by the Customer Application 32. Third, the Giver may select a still image or video from the camera library of the Customer Device 54. At step B14a, the Customer generated media is saved to the Media Database 44. In addition, a unique URL is created and is compiled with the Gift upon purchase as shown at B15a.

[0291] The second option is for the Giver to utilize System Media Clips as shown at step B13b. In particular, the Customer can access media (video, stills, music) in the System Media Library. The Customer can preview the media and select, or choose different media stored in the System Media Library by the operators of the Data Integration System 20. The media data associated with Media Clips stored in the System Media Library is stored in the Media Database 44. The media is selected at B14b. The unique URL for the selected media is added to the Gift upon purchase at step B15b.

[0292] The third option is for the Giver to type a text message, including text and/or emoji's at step B13c. This option can be used in combination with Giver or System generated Media Clips. The text and emoji's are added to the Gift Data at step B14c upon completion of the purchase of the Gift.

[0293] Once the personalization is complete, the Giver is taken, at B16, to a user interface screen that includes all of the elements of the Gift. The Giver can edit any of these elements, cancel the Gift, or save the Gift. If the Gift is cancelled, the information held in the Customer Application 32 on the Customer Device 52 will be deleted and will not be populated into any of the databases of the Data Integration System 20. At B16a during the edit process, the Giver may also“Lock Merchant” for the Gift such that the Gift can only be used at that Merchant and not Exchanged for another Merchant.

[0294] Upon Confirmation of the Gift at step B17, the Giver is taken to the screen to Send the Gift. The Giver can send the Gift immediately, schedule to send the Gift at another time, or choose Group Gift and add others to the Gift. The Customer can change payment information on this screen and is prompted to add payment if this information has not already been stored in the System 20.

[0295] A Send Now step may be selected at B18a, at which point Gift transaction is finalized and processed.

[0296] A Schedule step may be chosen at B18b. When the Schedule step is selected, the Giver is brought to a screen to pick the date and time at which the Gift is delivered. The Giver selects and confirms the delivery date and chooses send. The Gift transaction is finalized and processed.

[0297] Step B18c allows a Giver Group Gift to be purchased. A Giver Group Gift allows multiple people to contribute money and greetings to the Recipient. The Giver is brought to a screen to pick Recipients of the Recipient Group Gift invitation. The Giver chooses Recipients from contacts database on the Customer Device 52, or adds a new contact(s). The Giver creates a custom message in text or in a video to be sent in the invitation to the group. The Giver chooses a delivery time and date of the Gift. A notification is added to the invitation letting invitees know by when they need to add to the Gift. The Giver is brought to a screen to confirm the details and may edit any component. The Giver confirms, and the transaction is processed. Please see the Group Build schematic for details on how others add to the Gift.

[0298] Upon making a Send choice at step B19, a validation of the Credit Card occurs with the payment gateway. If the card is validated, the Gift notification is sent. The Gift notification may be scheduled or a group invitation sent depending on the choice. If not, the Giver is instructed to utilize another credit card. Once the credit card is validated, the Gift amount is posted to the Transaction Database with the unique Gift ID at step B20.

[0299] Once the credit card is validated, the amount is transmitted at step B21 from the Transaction Database 46 to the Gift Database 42 to populate the Recipient's Gift. All of the other components of the Gift that may be been stored in temporary memory are now added to the Gift Data that is stored in the Gift Database 42.

[0300] Once the credit card is validated, the Giver is presented with a "Sent" confirmation step B22 if sent immediately. If the Gift has been scheduled the Giver sees a "Scheduled" confirmation. The Giver sees a "Notifications Sent" confirmation. Once the Gift notification is sent (regardless of date) notifications via text and email (if both were entered) are sent to the Gift Recipient. Please see Gift Receive schematic for details about redeeming gifts.

[0301] The example Data Integration System 20 sends messages at step B23 using the notification system 38 (e.g., notification API) to external email and SMS notification systems to send a notification of the Gift to the Recipient. If the Recipient is already enrolled in the Data Integration System 32, a notification may also be sent by the Data Integration System 20.

[0302] If the Gift notification is sent immediately, upon the "Sent" confirmation at B24, the Giver is directed to a screen providing the ability at B24a to send a text notification about the Gift to the Gift Recipient. The text notification typically includes a personalized message and a link which, when tapped, would either open the Gift (if the Gift Recipient had already downloaded the Consumer App and enrolled) or open the Consumer App page in the App Store appropriate for that device type. After the Gift Recipient downloads the appropriate Consumer App from the appropriate App Store, the Gift Recipient may open the Gift.

[0303] Upon sending the text, the Giver is directed to a screen allowing the Giver to post Gift details to their account in one of several Social Media outlets.

If the Giver choses to post certain details about the received Gift to a Social Media account, the Giver selects the appropriate Social Media app, and the Gift Post is started for the Giver. The Giver can then edit the post and submit the post as normal through the appropriate Social Media account. Alternatively, the Giver can choose to make the Gift private. If the Gift is Scheduled or a Group Gift is given, the Giver is taken back to the home screen of the Customer

Application 32. [0304] Once the Gift Process is completed, the Giver chooses "Done" at step B25, and, at step B26, the Giver is returned to the home screen of the Customer Application 32.

VIII. Second Example Data Integration System

[0305] Referring now to Figure 62 of the drawing, depicted therein is a second example Data Integration System 220 of the present invention. The second example Data Integration System 220 is configured to allow one or more consumers to exchange gifts associated with merchants.

[0306] The second example Data Integration System 220 comprises a Data Integration Server 222 that implements the logic such as embodied in the swim lane diagrams depicted in Figures 65-XX and as described below. The Data Integration System 220 further comprises one or more Consumer

Applications or Apps 230, one or more Merchant Applications or Apps 232, a User Database 240, a Gift Database 242, a Media Database 244, and a

Transaction Database 246.

[0307] Each Consumer App 230 runs on a Consumer Device 250, while each Merchant App runs on a Merchant Device 252. The Consumer Device 250 and Merchant Device 252 are general purpose computing devices such as mobile phones, tablets, computers, or the like typically associated with one Consumer or Merchant, respectively. The Consumer Device 250 and Merchant Device 252 are thus typically capable of running applications in addition to the Consumer App 230 and the Merchant App 232, respectively. In Figure 62, it can be seen that the second example Data Integration System 220 further optionally comprises Media Editing Services 260 and Mobile Wallet Services (also referred to below as a Mobile Wallet) 262 provided by applications running on the Consumer Device 250.

[0308] Figure 62 further illustrates that the second example Data

Integration System 220 is further configured to integrate with a set of Financial Services 270, a set of Personal Services 272, and a Merchant Terminal 274.

[0309] The example set of Financial Services 270 comprises at least one of Redemption gateway 276, Purchase gateway 278, and Billing Services 280. The example Merchant Terminal 274 communicates with the Redemption gateway 276. The example set of Personal Services 272 comprises Notification Services 282, Help Services 284, Location Services 286, Social Media Services 288, Identity Services 290, and Authentication Services 292.

[0310] The various Financial Services 270 and Personal Services 272 are typically provided by third party entities each employing proprietary systems, methods, and application programming interfaces (APIs) for transferring data to and from outside sources such as the second example Data Integration System 220. The various services provided by the third-party entities providing the Financial Services 270 and/or Personal Services 272 are typically established using highly specialized and proprietary systems that cannot easily be replicated.

[0311] The second example Data Integration System 220 may be, and typically is, configured to operate using one or more communications systems, and Figure 63 illustrates that various components of the second example Data Integration System 220 communicate using a communications system 294 such as the Internet.

[0312] Figure 64 illustrates that the example Data Integration Server 222 comprises a Control System 320, a Consumer Interface 330, a Merchant interface 332, a set of Financial Services Interfaces 340, and a set of Personal Services Interfaces 342. The Consumer Interface 330 and Merchant Interface 332 are configured to interface with the Consumer Application 230 and Merchant Application 232, respectively.

[0313] The example set of Financial Services Interfaces 340 comprises an Issuing Gateway Service Interface 350, a Payment Gateway Services Interface 252, and a Billing Services Interface 254. The Issuing Gateway Service Interface 350 is configured to interface with Redemption gateway 276, the Payment Gateway Services Interface 252 is configured to interface with the Redemption gateway 276, and the Billing Services Interface 254 is configured to interface with the Billing Services 280.

[0314] The example set of Personal Services Interfaces 342 comprises a Notification Services Interface 260, a Help Services Interface 262, a Location Services Interface 264, a Social Media Services Interface 266, an Identity Services Interface 268, and an Authentication Services Interface 270. The Notification Services Interface 260 is configured to interface with the Notification Services 282, the Help Services Interface 262 is configured to interface with the Help Services 284, the Location Services Interface 264 is configured to interface with the Location Services 286, the Social Media Services Interface 266 is configured to interface with the Social Media Services 288, the Identity Services Interface 268 is configured to interface with the Identity Services 290, and the Authentication Services Interface 270 is configured to interface with the

Authentication Services 292.

IX. Third Example Data Integration Process

[0315] Referring now to Figures 65-75 of the drawing, a third example Data Integration Process will now be described. The third example Data

Integration Process contains steps that are optional, and appropriate sub- processes of the first and second example Data Integration Processes and other sub-processes described in this application may be used in addition to or instead of the sub-processes of the third example Data Integration Process.

PROVISIONING LOCAL LOOP REDEMPTION CARD

[0316] Referring now to Figure 65 of the drawing, depicted therein is a Provisioning Process that allows a Consumer to provision a Local Loop

Redemption Card available in a Mobile Wallet 262 app on the Consumer Device 250.

[0317] Upon receipt of a Gift, the Recipient will be prompted to tap the “Pay with Airshare” button in My Gifts in the mobile app. Upon tapping“Pay with Airshare” button, the Recipient will be provided with a message about the one time provisioning of a Local Loop Redemption Card in their mobile wallet.

[0318] A Local Loop Redemption Card used by the example Data

Integration System 220 differs from conventional gift cards, credit cards, and debit cards in that the source of the funds of a Local Loop Redemption Card is a Gift, the Local Loop Redemption Card is limited to a limited group (closed or “local” loop) of merchants (typically local merchants), and the users, both Givers and Recipients, may, within the limited group of merchants, control the specific merchants at which the Local Loop Redemption Card may be redeemed.

[0319] In practice, the limited group of merchants served by a Local Loop Redemption Card of the example Data Integration System 220 may be defined by size of the merchants (e.g., below a certain amount of annual revenues), ownership characteristics (e.g., local owner versus non-local owner), location (within a predetermined geographical area or within a predetermined shopping district or venue), and virtual affiliation (affiliated by participating in the same Consumer App). In the context of this detailed discussion, the term“local loop” will be defined as a specific set of merchants in a specific local area or a specific set of merchants in a specific virtual affiliation.

[0320] A Local Loop Redemption Card may be used for redemption of gifts at merchants in a plurality of local loops. A Local Loop Redemption Card may further be used for redemption of gifts at merchants in a plurality of local loops un-related by common ownership. A Local Loop Redemption Card may further be used for redemption of gifts at merchants in a plurality of local loops using a conventional third-party mobile wallet on a mobile consumer device. A local loop redemption card may further be used for redemption of gifts at merchants in a plurality of local loops un-related by common ownership and via a third-party mobile wallet on a mobile consumer device. The example Data Integration System 220 is configured to allow the Local Loop Redemption Card as defined herein.

[0321] The second example Data Integration System 220 implementing payments using a Local Loop Redemption Card is of particular significance when the merchants do not have sufficient resources to create a proprietary virtual gift card program. Further, the second example Data Integration System 220 provides personalization, customization, notification, and acknowledgment capabilities not found in conventional gift cards, credit cards, and debit cards.

[0322] When the Local Loop Redemption Card is provisioned by associating a Gift with the Mobile Wallet 262, the Local Loop Redemption Card appears and functions like any gift card, credit card, or debit card maintained in the Mobile Wallet 262.

[0323] In particular, upon proceeding by tapping the“Pay with Airshare” button, the Recipient will be presented with a Mobile Wallet application allowing access to the Recipient’s Mobile Wallet 262 on the Recipient’s Consumer Device 252. If the Recipient’s mobile wallet is not yet provisioned with a Local Loop Redemption Card, the Recipient will be instructed to do so when the Recipient receives the Gift. Once the Mobile Wallet 262 is provisioned, or if the Mobile Wallet 262 is already provisioned, the Recipient will be presented with an instruction to provision the Local Loop Redemption Card in their Mobile Wallet 262 using the funds associated with the Gift. Upon accepting, the Local Loop Redemption Card will appear in the Payment / Card section of Mobile Wallet 262 application on the Recipient user’s Consumer Device 250.

[0324] The Provisioning System of the Redemption gateway 276 will provide to the Data Integration System 220 a unique Local Loop Redemption Card (LLRC) ID number associated with the Recipient’s Local Loop Redemption Card. The Data Integration System 220 associates the LLRC ID of the Local Loop Redemption Card with the user by recording the LLRC ID in Recipient’s record in the User Database 240.

[0325] Once done, the Local Loop Redemption Card is ready for use as described below in Gift Redemption/Pay with Local Loop Redemption Card process as described herein. Once established and provisioned, the Local Loop Redemption Card in the Recipient’s mobile wallet will be used to redeem all future Gifts gifted to the Recipient. b. PAY WITH LOCAL LOOP REDEMPTION CARD - MID/MCC

[0326] Figures 66A and 66B depict a process to redeem a Gift by using the value of the Gift as provisioned on the Local Loop Redemption Card to pay for goods or services. The Pay With Local Loop Redemption Card process may further include restricting use of the Gift at the locations of a particular Merchant, or Merchant type that may form a part of the Data Integration System 220 of the present invention.

[0327] Figure 66A illustrates that the Recipient receives a notification or alert reminding the Recipient of the existence of the Gift at a Receive Calendar Alert step A1. In addition or instead, the Recipient may receive notification or alert notifying the Recipient that the Recipient’s physical location is proximate to the Merchant associated with the Gift at a Receive Proximity Alert step A2. The Recipient is prompted to view the Gift at step A3. If the Recipient elects to view the Gift, the Gifter details are retrieved at step A4, the Gift details are retrieved at step A5, and the Merchant and/or Giver Media is retrieved at step A6. The Giver details, Gift details, and any media clips associated with the Gift may be viewed by the Recipient using the Consumer App 230 on the Recipient’s Consumer Device 250. The Recipient may elect to redeem the Gift at this point.

[0328] If the Gift is not“Locked” for use at a specific Merchant, before the Gift is redeemed the Recipient additionally has the opportunity to change the Merchant associated with the Gift using an optional Exchange Gift Merchant Process as shown in Figure 45B. In particular, at an Exchange Gift Merchant step X1 , the Recipient is presented with the option to Change the Merchant associated with the Gift. At a step X2, the Merchant Marketplace appropriate for the Recipient is presented to the Recipient based on the Merchant’s contained in the Merchant Database 248 and the Recipient’s physical location or other parameters. Please see the discussion of the Creation of the Merchant

Marketplace for details about the creation of the Merchant Marketplace for a particular Consumer.

[0329] At a Select New Merchant step X3, the Recipient is allowed to exchange the original Merchant for a new Merchant selected from the Merchant Marketplace. At a Save Gift Details step X3, the Gift data reflecting the new Gift details is transferred and saved to the Gift Database 240. At a Save Merchant Media step X5, the Media ID(s) of the Merchant Media Clips associated with the newly selected Merchant is(are) saved to the Gift Database 240. At a Save Transaction Details step X6, new Transaction Data reflecting the change in the Merchant are saved in the Transaction Database 246. At a View Gift step X7, the updated Gift Data is transferred to the Customer Device 52. At a Giver Details step X8, the Giver Data associated with the updated Gift is transferred to the Customer Device 52. At a View Gift Details step X9, the Gift Data reflecting the new Merchant may be viewed using the Customer Application 32 on the Customer Device 52.

[0330] Additionally, at a Merchant Media Step X10, the Merchant Media Clips associated with the new Merchant are transferred to the Customer Device 52 and may be viewed using the Customer Application 32 on the Customer Device 52.

[0331] Referring now to the Redemption Transaction section of the drawing, depicted therein is an example Gift Redemption Transaction process.

[0332] When the user wants to redeem the Gift to pay for goods or services at a particular merchant, in T 1 the user taps the“Pay with Airshare” button in the Consumer app on the Consumer Device 250 for the Gift to be used. At T2, this initiates a sequence in which the Local Loop Redemption Card is viewed in the Mobile Wallet 262 on the Consumer Device 250 (the initial provisioning of the Local Loop Redemption Card is described above). When this mechanism is used to redeem the Gift, the user may also self-select the Local Loop Redemption Card in the Mobile Wallet 262 in addition to tapping“Pay with Airshare” in the mobile app.

[0333] In T3, the user will then“tap” the Consumer Device 250 running the Mobile Wallet 262 that maintains Local Loop Redemption Card on a physical Merchant Terminal 274, use the Payment Service associated with their Mobile Wallet 262 (e.g., Apple Pay or Google Pay) via a merchant’s web site, or manually enter the Gift Card number on the merchant web site when interfacing with a virtual Merchant Terminal 274. When the user“taps” the Consumer Device 250 on the Merchant Terminal 274, the LLRC ID is transferred from the Consumer Device 250 to the Merchant Terminal 274 using near field

communications technology built into the Consumer Device 250. Alternatively, the Consumer Device 250 contains a display capable of displaying a visible code (e.g., QR Code) containing the LLRC ID, and the Merchant Terminal 274 may read the LLRC ID by optically scanning the visible code displayed by the

Consumer Device 250. Both near field technologies communications and the use of a display to display a visible code may be referred to as wireless technologies.

[0334] In addition, the Local Loop Redemption Card may also be embodied as a physical, plastic card containing the LLRC ID. In that case, the user may also transfer the LLRC ID to the Merchant Terminal 274 by swiping the card in a conventional card reader, inserting a chip in a chip reader, or using conventional near field communications technologies.

[0335] At this point, the process of generating Redemption Transaction Data is initiated. Initially, the Merchant Terminal 274 sends a packet of Terminal Data to the Purchase gateway 278 including Gateway Services proprietary information, the amount of the transaction, and the LLRC ID. The Purchase gateway 278 generates a Gateway Transaction ID for the transaction associated with the Terminal Data and, using the Terminal ID, looks up the Merchant ID (MID) and Merchant Classification Code (MCC) for the Merchant associated with the particular Merchant Terminal 274. The Purchase gateway 278 next sends to the Data Integration System 220 Gateway Transaction Data including the Gateway Transaction ID, the MID, the MCC, the LLRC ID, and the transaction amount. Upon receiving the Gateway Transaction Data, the Data Integration System 220 generates a Redemption Transaction ID. The Data Integration System 220 stores the Gateway Transaction ID, the Redemption Transaction ID, the MID, the MCC, the LLRC ID, and the transaction amount as the Redemption Transaction Data in the Transaction Database 246.

[0336] After the Redemption Transaction Data has been compiled and stored, the Data Integration System 220 performs a validation process. Based on the LLRC ID, the Data Integration System 220 obtains from the Gift Database 242 any Gift IDs associated with the LLRC ID of the Redemption Transaction Data. The Data Integration System 220 next determines whether any of the Gifts associated with the Gift IDs associated with the LLRC ID are limited to specific Merchants based on the Merchant ID or IDs associated with each Gift ID. If none of the Gift IDs are limited to a particular Merchant, and the value of one or more Gifts exceeds the transaction amount, the Redemption Transaction is validated.

If none of the Gift IDs are limited to a particular Merchant, and the transaction amount exceeds the value of the total of Gifts associated with the LLRC ID, the Redemption Transaction may be invalidated or partially validated only to the total of the available non-limited Gifts.

[0337] If any of the Gift IDs are for Gifts that have been user-limited to a particular Merchant (e.g., by Merchant ID (MID)) or to a Merchant Class (MCC), the Merchant ID(s) and MCC(s) associated with any such limited Gifts is(are) compared with the Merchant ID and/or Merchant Class ID in the Redemption Transaction Data. If one or more of the Gift IDs are limited to a particular Merchant or Merchant Class, the Redemption Transaction is validated only if one or more of the Merchant ID(s) and/or Merchant Class(es) associated with the limited Gifts matches the Merchant ID(s) and/or Merchant Class(es) of the Redemption Transaction Data. Validation of the Redemption Transaction is completed if the Redemption Merchant and the value of one or more Gifts with matching Merchant ID(s) is sufficient to pay the transaction amount at least in part. The validation amount is the total value of the Gift or Gifts up to the transaction amount.

[0338] When the Redemption Transaction is validated, the value of one or more of the Gifts is decreased in the Gift Database 242 by the transaction amount, and Transaction Validation Data containing the Gateway Transaction ID and a validation amount is sent back to the Purchase gateway 278. Upon receipt of the Transaction Validation Data, the Purchase gateway 278 sends

confirmation to the Merchant through the Merchant Terminal 274 and pays the merchant the validation amount. If the validation amount is less than the transaction account, the Redemption Transaction may be invalidated or may be partially validated. If the Redemption Transaction is partly validated, the user redeeming the Gift can pay the balance of the transaction amount using other payment methods.

[0339] The functions of steps T4A-T5 will now be described in reference to Figure 66B. The Gift may be restricted for use at a particular Merchant, or a particular Merchant type or class (e.g., restaurants, retail, outdoor adventure, etc.) When the Gift is restricted for use at specific Merchant or Merchant type, at T4 the Redemption gateway 276 at T5 will provide to the Data Integration

System 220 information necessary to restrict the use of the Gift. In this case, the Redemption gateway 276 gleans or parses the Merchant ID (MID), the Merchant Classification Code (MCC), or both the Merchant ID (MID) and the Merchant Classification Code (MCC) from the Merchant information in the transaction details of the Transaction Data provided from the physical or virtual Merchant Terminal 274 and provides that information to the Data Integration System 220. The Data Integration System 220 then identifies the MID and/or MCC assigned to that merchant in the Merchant Database 248 and compares the MID and/or MCC provided by the Redemption gateway 276. If the Gift is restricted for use at a particular Merchant, the MID will be used for comparison.

If the Gift is restricted for use at a particular Merchant type, the MCC will be used for comparison. In either case, if there is a match, then the stage 1 of the transaction is validated. If there is no match, then stage 1 of the transaction is declined and the user and Merchant will be notified via a message on the Merchant Terminal 274.

[0340] Upon validation of MID and/or MCC, the amount of the transaction is then validated. At the time the Local Loop Redemption Card was tapped, the Redemption gateway 276 also gleaned or parses the unique identification number of the Local Loop Redemption Card and the amount of the transaction. This information is also provided to the Data Integration System 220. In T6, the Data Integration System 220 searches for the unique identification number of the Local Loop Redemption Card. If it is found, the next stage of the transaction occurs. If there is no match, then stage 2 of the transaction is declined and the user and Merchant will be notified via a message on the Merchant Terminal 274.

[0341] If a match occurs, the Data Integration System 220 then compares the transaction amount provided in the transaction record by the Redemption gateway 276 to the available amount of the Gift as identified by the unique identifier for that Gift in the Gift Database 240. If the transaction amount provided by the Redemption gateway 276 is less than or equal to the available amount of the Gift, then the Redemption gateway 276 approves the transaction, and a message of approval is provided to the Merchant and the user via the Merchant Terminal 274. If the amount of the transaction provided by the Redemption gateway 276 is greater than the available balance of the Gift, then stage 3 of the transaction is declined and the user and Merchant will be notified via a message on the Merchant Terminal 274.

[0342] Whether the transaction is approved or declined, the Redemption gateway 276 will provide a related message to the Data Integration System 220. In T7 the appropriate message is sent from the Data Integration System 220 via the Notification Services via SMS, In-App notifications, or both. If the transaction has been declined, the user will be provided information about corrective action needed to allow the Merchant and Consumer to take corrective action that allows the transaction to be approved.

[0343] Upon completion of an approved transaction, in T8 the transaction detail is recorded in the Transaction Database 246, and the remaining amount of the Gift, if any, in is updated in the Gift Database 240 at T9. The Consumer user will then see the updated remaining balance of the Gift in the Consumer App 230. c. PAY WITH GIFT - LOCATION SERVICES

[0344] An example redemption/payment process that may form a part of the example Data Integration System 220 of the present invention will now be described with reference to Figures 67A and 67B. In the Gift Redemption

Process depicted in Figures 67A and 67B, the monetary value of a Gift may be redeemed or used to pay for goods or services, but the gift includes redemption or use restrictions that limit redemption or use of the Gift to the locations of a particular Merchant or to Merchants in a defined geographic area.

[0345] Figure 67A illustrates that the Recipient receives notification or alert reminding the Recipient of the existence of the Gift at a Receive Calendar Alert step A1. In addition or instead, the Recipient may receive notification or alert notifying the Recipient that the Recipient’s physical location is proximate to the Merchant associated with the Gift at a Receive Proximity Alert step A2. The Recipient is prompted to view the Gift at step A3. If the Recipient elects to view the Gift, the Gifter details are retrieved at step A4, the Gift details are retrieved at step A5, and the Merchant and/or Giver Media is retrieved at step A6. The Giver details, Gift details, and any media clips associated with the Gift may be viewed by the Recipient using the Consumer App 230 on the Recipient’s Consumer Device 250. The Recipient may elect to redeem the Gift at this point.

[0346] If the Gift is not“Locked” for use at a specific Merchant, The Recipient additionally has the opportunity to change the Merchant associated with the Gift using an optional Exchange Gift Merchant Process before the Gift is redeemed as shown in Figure 45B. In particular, at an Exchange Gift Merchant step X1 , the Recipient is presented with the option to Change the Merchant associated with the Gift. At a step X2, the Merchant Marketplace appropriate for the Recipient is presented based on the Recipient’s physical location or other parameters. Please see the discussion of the Creation of the Merchant

Marketplace schematic for details about the establishment of the Merchant Marketplace for a particular Consumer.

[0347] At a Select New Merchant step X3, the Recipient is allowed to exchange the original Merchant for a new Merchant selected from the Merchant Marketplace. At a Save Gift Details step X3, the Gift data reflecting the new Gift details is transferred and saved to the Gift Database 240. At a Save Merchant Media step X5, the Media ID(s) of the Merchant Media Clips associated with the newly selected Merchant is(are) saved to the Gift Database 240. At a Save Transaction Details step X6, new Transaction Data reflecting the change in the Merchant are saved in the Transaction Database 246. At a View Gift step X7, the updated Gift Data is transferred to the Customer Device 52. At a Giver Details step X8, the Giver Data associated with the updated Gift is transferred to the Customer Device 52. At a View Gift Details step X9, the Gift Data reflecting the new Merchant may be viewed using the Customer Application 32 on the Customer Device 52. [0348] Additionally, at a Merchant Media Step X10, the Merchant Media Clips associated with the new Merchant are transferred to the Customer Device 52 and may be viewed using the Customer Application 32 on the Customer Device 52.

[0349] An example Gift Redemption Transaction process is also depicted in Figures 67A and 67B of the drawing.

[0350] Figure 67B illustrates the process implemented when the user wants to redeem the Gift to pay for goods or services at a particular merchant. In particular, at T1 the user taps the“Pay with Airshare” button in the Consumer app on the Consumer Device 250 for the Gift to be used. As discussed above, the Giver may elect to restrict the Gift for use at a particular Merchant or to Merchants within a specified geographic area. At T2, the tap of the“Pay with Airshare” button initiates a sequence in which the current location of the user is provided to the Data Integration System 220 by the Location Services 286 in the form of latitude and longitude coordinates. In T3 the Data Integrations System then compares this location data or information against the latitude and longitude assigned to that Merchant’s locations in the Merchant Database 248.

[0351] If there is a match, within an acceptable range, a sequence is initiated in T4 by which the Local Loop Redemption Card is viewed in the Mobile Wallet 262 on the Consumer Device 250. If the Data Integration System 220 determines that the Location Data does not match any of the Merchant’s locations in the Merchant Database 248, the Data Integration System 220 sends a message via the Notification Services 282 that the location is not within an acceptable range of the location of the Merchant, and the user must move to within the acceptable range of an appropriate Merchant location (and thus Merchant) to redeem the Gift. [0352] Assuming the location is validated, in T5 the user will then“tap” the Local Loop Redemption Card in the Mobile Wallet 262 on a physical Merchant Terminal 274.

[0353] In T6, at the time the Local Loop Redemption Card is tapped, the Redemption gateway 276 gleans or parses the unique identification number of the Local Loop Redemption Card and the amount of the transaction from the Transaction Data generated at the Merchant Terminal 274. In T7, this

information is provided to the Data Integration System 220. The Data Integration System 220 searches for the unique identification number of the Local Loop Redemption Card. If the Data Integration System 220 determines that the Gift ID obtained from the Gift Data does not match an existing Gift ID in the Gift Database 240, then stage 1 of the transaction is declined and the user and Merchant will be notified via a message on the Merchant Terminal 274.

[0354] If, however, the Data Integration System 220 determines that the Gift ID obtained from the Gift Data matches an existing Gift ID in the Gift

Database 240, the Data Integration System 220 then compares the transaction amount provided in the transaction record by the Redemption gateway 276 to the available amount the currently associated with that existing Gift in the Gift Database 240. If the transaction amount provided by the Redemption gateway 276 is less than or equal to the available amount of the existing Gift, then the transaction is approved. After the Redemption gateway 276 approves the transaction, a message of approval is provided to the Merchant and the user via the Merchant Terminal 274. If, however, the amount associated with the transaction provided by the Redemption gateway 276 is greater than the available balance of the Gift, then stage 2 of the transaction is declined, and the Consumer user and Merchant will be notified via a message on the Merchant Terminal 274. [0355] Whether the transaction is approved or declined, the Redemption gateway 276 will provide a related message to the Data Integration System 220. In T8 the appropriate message is sent from the Data Integration System 220 via the Notification Services via SMS or In-App notifications, or both. If the transaction has been declined, the user will be provided information about corrective action needed to allow them to try the transaction again.

[0356] Upon completion of an approved transaction, in T9 the transaction detail is recorded in the Transaction Database 246 and the remaining amount of the Gift, if any, is updated in the Gift Database 240 at step T 10. The user will then see the remaining balance of the Gift in the Consumer App 230. d. PAY WITH GIFT - OPEN

[0357] An example redemption / payment process will now be described with reference to Figures 68A and 68B. In particular, Figures 68A and 68B depict a process to redeem a Gift and thereby use the money from the Gift to pay for goods or services with the Gift at any Merchant location that may form a part of the Data Integration System 220 of the present invention;

[0358] Figure 68A illustrates that the Recipient receives notification or alert reminding the Recipient of the existence of the Gift at a Receive Calendar Alert step A1. In addition or instead, the Recipient may receive notification or alert notifying the Recipient that the Recipient’s physical location is proximate to the Merchant associated with the Gift at a Receive Proximity Alert step A2. The Recipient is prompted to view the Gift at step A3. If the Recipient elects to view the Gift, the Gifter details are retrieved at step A4, the Gift details are retrieved at step A5, and the Merchant and/or Giver Media is retrieved at step A6. The Giver details, Gift details, and any media clips associated with the Gift may be viewed by the Recipient using the Consumer App 230 on the Recipient’s Consumer Device 250. The Recipient may elect to redeem the Gift at this point.

[0359] If the Gift is not“Locked” for use at a specific Merchant (or class of Merchants), The Recipient additionally has the opportunity to change the

Merchant associated with the Gift using an optional Exchange Gift Merchant Process before the Gift is redeemed as shown in Figure 45B. In particular, at an Exchange Gift Merchant step X1 , the Recipient is presented with the option to Change the Merchant associated with the Gift. At a step X2, the Merchant Marketplace appropriate for the Recipient is presented based on the Recipient’s physical location or other parameters. Please see the discussion of the Creation of the Merchant Marketplace schematic for details about the Merchant

Marketplace.

[0360] At a Select New Merchant step X3 shown in Figure 68B, the Recipient is allowed to exchange the original Merchant for a new Merchant selected from the Merchant Marketplace. At a Save Gift Details step X3, the Gift data reflecting the new Gift details is transferred and saved to the Gift Database 240. At a Save Merchant Media step X5, the Media ID(s) of the Merchant Media Clips associated with the newly selected Merchant is(are) saved to the Gift Database 240. At a Save Transaction Details step X6, new Transaction Data reflecting the change in the Merchant are saved in the Transaction Database 246. At a View Gift step X7, the updated Gift Data is transferred to the Customer Device 52. At a Giver Details step X8, the Giver Data associated with the updated Gift is transferred to the Customer Device 52. At a View Gift Details step X9, the Gift Data reflecting the new Merchant may be viewed using the Customer Application 32 on the Customer Device 52.

[0361] Additionally, at a Merchant Media Step X10, the Merchant Media Clips associated with the new Merchant are transferred to the Customer Device 52 and may be viewed using the Customer Application 32 on the Customer Device 52.

[0362] Referring now to the Redemption Transaction section Figure 68B, depicted therein is an example Gift Redemption Transaction process.

[0363] When the user wants to redeem the Gift to pay for goods or services at a particular merchant, in T 1 the user taps the“Pay with Airshare” button in the Consumer app on the Consumer Device 250 for the Gift to be used. The Gift may be available to use at any Merchant. At T2, the tap of the“Pay with Airshare” button initiates a sequence is initiated by which the Local Loop Redemption Card is viewed in the Mobile Wallet 262 on the Consumer Device 250. When this mechanism is used to redeem the Gift, the user may also self select the Local Loop Redemption Card in the mobile wallet in addition to tapping “Pay with Airshare” in the mobile app.

[0364] In T3 the user will then“tap” the Local Loop Redemption Card in the Mobile Wallet 262 by placing the Consumer Device 250 in close proximity to (e.g., tapping, waving, or holding near) a physical Merchant Terminal 274.

[0365] In T4 at the time the Local Loop Redemption Card is tapped, the Redemption gateway 276 gleans the unique identification number of the Local Loop Redemption Card, and the amount of the transaction from the Merchant Terminal 274. In T5, this information is provided to the Data Integration System 220. The Data Integration System 220 searches for the unique identification number of the Local Loop Redemption Card. If it is found, the next stage of the transaction occurs. If there is no match, then stage 1 of the transaction is declined and the user and Merchant will be notified via a message on the

Merchant Terminal 274. If a match occurs, the Data Integration System 220 then compares the transaction amount provided in the transaction record by the Redemption gateway 276 to the available amount of the Gift as identified by the unique identifier for that Gift in the Gift Database 240. If transaction amount provided by the Redemption gateway 276 is less than or equal to the available amount of the Gift, then the transaction is approved. The Redemption gateway 276 approves the transaction, and a message of approval is provided to the Merchant and the user via the Merchant Terminal 274. If the amount of the transaction provided by the Redemption gateway 276 is greater than the available balance of the Gift, then stage 2 of the transaction is declined and the user and Merchant will be notified via a message on the Merchant Terminal 274.

[0366] Whether the transaction is approved or declined, the Redemption gateway 276 will provide an appropriate, related message to the Data Integration System 220. In T6, the appropriate message is sent from the Data Integration System 220 via the Notification Services via SMS, In-App notifications, or both. If the transaction has been declined, the user will be provided information about corrective action needed to allow them to try the transaction again.

[0367] Upon completion of an approved transaction, in T7 the transaction detail is recorded in the Transaction Database 246 and the remaining amount of the Gift, if any, in T8 is updated in the Gift Database 240. The user will then see the remaining balance of the Gift in the Consumer App 230. e. CONSUMER BUILD W/MEDIA EDIT

[0368] Figures 69A-69C depict a consumer build process including a re take cover and media editing process that may form a part of the Data Integration System 220 of the present invention.

[0369] An example Consumer Build with Media Edit Process will now be described with reference to Figures 69A, 69B, and 69C. The example Consumer Gift Build Process begins at step B1 as shown in Figure 69A.

[0370] At step B1 , the Create Recipient icon in the Consumer App 230 is selected by the Giver to create a new Gift Recipient. If the Recipient was previously added to Gift Recipients, that person can be chosen from a list.

[0371] At step B2, contacts are accessed from the contacts on the Giver's device, if available, and presented in the Customer Application 32. Customers can select a contact or search for a contact. If the contact is not in the Customer Device 52, the Giver can create a new contact in the Customer Application 32.

[0372] At step B3, the Recipient’s contact information is imported into a Gift form, and the Giver can verify and/or edit the mobile phone number associated with the Recipient to ensure delivery of the Gift. At step B4, the Recipient's information is saved in the Customer Application 32, including a photo of the Recipient if available.

[0373] The Recipient information is stored in the Customer Device 52 and is transferred to the User Database 240 at step B5 upon purchase of the Gift.

The Recipient information is also copied to the Gift Database 240 at step B6 when the Gift is purchased. A new Gift ID is generated when the Gift Data is stored.

[0374] The Merchant Marketplace is presented to the Giver at step B7.

The details of the creation of the Merchant Marketplace are described in detail above.

[0375] The Giver selects the Merchant at Step B8 by selecting a Merchant from the Marketplace, choosing an amount (which is adjustable) for the Gift. If any promotions are available, the Giver could also choose a promotion. This information is held in the mobile device memory until the Gift is purchased.

Once the Gift has been purchased, the Merchant Data and Promotion Data are stored. If the Gift is not purchased, or cancelled this information is deleted.

[0376] The transaction amount is created in the Transaction Database 246 at step B9. The Transaction amount and is referred to by the Gift ID. Upon purchase that information is added to the Gift Database 240. At Step B10, the Identifier for the Merchant’s Gift offer is attached to the Gift Data entered into the Gift Database 240 to allow for up-to-date store location and videos to be presented with the Gift. At step B1 1 , Merchant components are added to the Gift upon purchase.

[0377] At step B12 as shown in Figure 69B, Gift personalization options are presented to the Giver. The Giver has three options for personalizing the Gift.

[0378] The first option is for the Giver to generate media B13a. Customer media can be generated in three ways. First, the Giver may take a video "selfie" through the camera interface defined by the Customer Application 32. Second, the Giver may take a still "selfie" through the camera interface defined by the Customer Application 32. Third, the Giver may select a still image or video from the camera library of the Customer Device 54. At step B13ai, the Giver is given the option to change the cover of the video if they have taken a video“selfie” or chosen a video from the camera library of the Consumer Device 250.

[0379] At step B13aii, the Giver is given the option to edit the media if they taken a still“selfie”, chosen a still image from the cameral library of the

Consumer Device 250, or added a new cover to a video. The Giver may choose from options to Transform the image, add Filters to the image, Overlay the image with pre-set Overlay graphics, add Sticker’s to the image from a library of Stickers, or add and design text on the image.

[0380] Upon completion of the media editing, the Giver would save the image to the Consumer Device 250. Upon purchase in step B14a, the Customer generated media is saved to the Media Database 240. In addition, a unique URL is created and is compiled with the Gift upon purchase as shown at B15a.

[0381] The second option for personalizing a Gift is for the Giver to utilize System Media Clips as shown at step B13b. In particular, the Customer can access media (video, stills, music) in the System Media Library. The Customer can preview the media and select, or choose different media stored in the

System Media Library by the operators of the Data Integration System 220. The media data associated with Media Clips stored in the System Media Library is stored in the Media Database 240. The media is selected at B14b. The unique URL for the selected media is added to the Gift and stored in the Gift Database 240 upon purchase at step B15b.

[0382] The third option for personalizing a Gift is for the Giver to type a text message, including text and/or emoji's, at step B13c. This option can be used in combination with Giver or System generated Media Clips. The Giver is given the option to design the text using design tools from the Media Editing Services 260 on the Consumer Device 250. The text and emojis are added to the Gift Data at step B14c upon completion of the purchase of the Gift.

[0383] Once the personalization is complete, the Giver is taken, at B16, to a user interface screen that includes all of the elements of the Gift. The Giver can edit any of these elements, cancel the Gift, or save the Gift. If the Gift is cancelled, the information held in the Customer Application 32 on the Customer Device 52 will be deleted and will not be populated into any of the databases of the Data Integration System 220. At B16a during the edit process the Giver may also“Lock Merchant” for the Gift such that the Gift can only be used at that Merchant and not exchanged for another Merchant.

[0384] Upon Confirmation of the Gift at step B17, the Giver is taken to the screen to Send the Gift. The Giver can send the Gift immediately, schedule to send the Gift at another time, or choose Group Gift and add others to the Gift. The Customer can change payment information on this screen and is prompted to add payment if this information has not already been stored in the System 20.

[0385] A Send Now step may be selected at B18a, at which point the Gift transaction is finalized and processed.

[0386] A Schedule step may be chosen at B18b. When the Schedule step is selected, the Giver is brought to a screen to pick the date and time at which the Gift is delivered. The Giver selects and confirms the delivery date and chooses send. The Gift transaction is finalized and processed.

[0387] Step B18c allows a Giver Group Gift to be purchased. A Giver Group Gift allows multiple people to contribute money and greetings to the Recipient. The Giver is brought to a screen to pick Recipients of the Recipient Group Gift invitation. The Giver chooses Recipients from contacts database on the Customer Device 52 or adds a new contact(s). The Giver is further given the option to create a custom message in text or in a video to be sent in the invitation to the group. The Giver is also given the opportunity to choose a delivery time and date of the Gift. A notification is added to the invitation letting invitees know the date by which they need to add to the Gift. The Giver is brought to a screen to confirm the details and may edit any component. The Giver confirms, and the transaction is processed. Please see the Group Build schematic for details on how others add to the Gift. [0388] Upon making a Send choice at step B19, a validation of the Credit Card occurs with the Purchase gateway 278. If the card is validated, the Gift notification is sent. The Gift notification may be scheduled, or a group invitation may be sent depending on the choice. If not, the Giver is instructed to utilize another credit card. Once the credit card is validated, the Gift amount is posted to the Transaction Database 246 with the unique Gift ID at step B20a. If the Giver has a valid Promotional Code, they may enter it in lieu of the Credit Card information during step B17. If they have done so upon making the Send choice at step B19, validation of the Promotional Code happens at the Redemption gateway 276. If the Promotional Code is validated, the Gift notification is sent.

If not, the Giver is instructed to try the Promotional Code again. Once the Promotional Code is validated the Gift amount is posted the Transaction

Database 246 with the unique Gift ID at step B20b.

[0389] Once the credit card and/or Promotional Code is/are validated, the amount is transmitted at step B21 from the Transaction Database 246 to the Gift Database 240 to populate the Recipient's Gift. At step B22 the Giver’s

personalized Media and the Media associated with the Merchant for that gift are transferred and saved in the Media Database 240. All of the other components of the Gift that may be been stored in temporary memory are now added to the Gift Data at step B23, at which point the Gift Data is stored in the Gift Database 240. And the Recipient Data is stored in the User Database 240 in step B24. Steps B21 through B24 occur concurrently.

[0390] Once the credit card is validated, the Giver is presented with a "Sent" confirmation step B22 if sent immediately. If the Gift has been scheduled the Giver sees a "Scheduled" confirmation. The Giver sees a "Notifications Sent" confirmation when the Gift has been sent. Once the Gift notification is sent (regardless of date) notifications via text and email (if both were entered) are sent to the Gift Recipient. Please see Gift Receive schematic for details about redeeming gifts.

[0391] The example Data Integration System 220 sends messages at step B23 using the notification system 38 (e.g., notification API) to external email and SMS notification systems to send a notification of the Gift to the Recipient. If the Recipient is already enrolled in the Data Integration System 220, a notification may also be sent by the Data Integration System 220.

[0392] If the Gift notification is sent immediately, upon the "Sent" confirmation at B25, the Giver is directed to a screen providing the ability at B25a to send a text notification about the Gift to the Gift Recipient. The notification would include a personalized message and a link which, when tapped, would either open the Gift (if the Gift Recipient had already downloaded the Consumer App 230 and enrolled) or open the page in the App Store appropriate for that device type to allow the Recipient to download the Consumer App 230.

[0393] Upon sending the text, at step B26 the Giver is directed to a screen allowing them to post Gift details to their account in one of several Social Media outlets. If they choose to post certain details about the received Gift to a Social Media account, the Giver selects the appropriate Social Media app, and the Gift Post is started for them. They can then edit the post and submit the post as normal through that account. Alternatively, the Giver can choose to make the Gift private. If the Gift is Scheduled or a Group Gift is given, at step B27 the Giver is taken back to the home screen of the Customer Application 32.

[0394] Once the Gift Process is completed, the Giver chooses "Done" at step B26, and, at step B27, the Giver is returned to the home screen of the Customer Application 32. f. MERCHANT GIFT W/AUTHENTICATION

[0395] Turning now to Figures 70A and 70B, depicted therein is an example Merchant Gift Build Process in which the Merchant selects their own business and sends a Gift locked to their business to a Gift Recipient.

[0396] At a step M1 , the Merchant adds one or more Recipients via the Consumer App 230 on a Consumer Device 250 operated by the Merchant.

Merchant created Gifts can be one to one or one to many.

[0397] At step M2, the Recipient(s) are temporarily saved to the

Merchant’s Consumer Device 250. The list of Recipient(s) will be permanently saved to the User Database 240 once the Gift(s) is(are) sent. If the Gift(s) is(are) not sent, or if Recipient(s) are deleted, the example Data Integration System 220 will not store the information.

[0398] At step M3 the Merchant, or an authorized Merchant employee, selects their own page in the Consumer App 230 running on the Merchant’s Consumer Device 250. Within that page they are given the option to send a gift. Once chosen, the user is challenged to Authenticate their identity by entering the mobile phone number and password and/or PIN associated with the Merchant account (M4). Once the mobile number and password and/or PIN for that merchant (or the authorized merchant employee) are authenticated, the Data Integration System 220 validates that the mobile number is associated with the Merchant ID of the selected merchant as recorded in the Merchant Database 248 (M5). Only if both authentication and validation occur can the merchant move to the next steps and send the Gift.

[0399] At M6 the Merchant will set the value for the Gift. At M7, Gift personalization options are presented to the Merchant. The Merchant has three options for personalizing the Gift.

[0400] The first personalization option is for the Merchant to generate media M8a. Gift media can be generated in three ways. First, the Merchant may take a video "selfie" through the camera interface defined by the Customer Application 32. Second, the Merchant may take a still "selfie" through the camera interface defined by the Customer Application 32. Third, the Merchant may select a still image or video from the camera library of the Customer Device 54. At step M8ai the Merchant is given the option to change the cover of the video if they have taken a video“selfie” or chosen a video from the camera library of the Consumer Device 250. At step M8aii the Merchant is given the option to edit the media if they taken a still“selfie”, chosen a still image from the cameral library of the Consumer Device 250, or added a new cover to a video. The Merchant may choose from options to Transform the image, add Filters to the image, Overlay the image with pre-set Overlay graphics, add Sticker’s to the image from a library of Stickers, or add and design text on the image. Upon completion of the media editing, the Merchant would save the image to the Consumer Device 250. Upon purchase in step M9a, the Customer generated media is saved to the Media Database 240. In addition, a unique URL is created and is compiled with the Gift upon purchase as shown at M10a.

[0401] The second personalization option is for the Merchant to utilize System Media Clips as shown at step M8b. In particular, the Merchant can access media (video, stills, music) in the System Media Library. The Merchant can preview the media and select, or choose different media stored in the System Media Library by the operators of the Data Integration System 220. The media data associated with Media Clips stored in the System Media Library is stored in the Media Database 240. The media is selected at M9b. The unique URL for the selected media is added to the Gift upon purchase at step M10b. [0402] The third personalization option is for the Merchant to type a text message, including text and/or emojis, at step M8c. This option can be used in combination with Merchant or System generated Media Clips. The Merchant is given the option to design the text using design tools from the Media Editing Services 260 on the Merchant’s Consumer Device 250. The text and emojis are added to the Gift Data at step M9c upon completion of the purchase of the Gift.

[0403] Once the personalization is complete, the Merchant is taken, at M11 , to a user interface screen that includes all of the elements of the Gift. The Merchant can edit any of these elements, cancel the Gift, or save the Gift. If the Gift is cancelled, the information held in the Customer Application 32 on the Merchant’s Customer Device 52 will be deleted and will not be populated into any of the databases of the Data Integration System 220. By default the Merchant created Gift is“Locked” and can only be used at that Merchant’s business. At M16a during the edit process, the Merchant may also“Unlock Merchant” for the Gift such that the Gift could be used at any Merchant in the System.

[0404] Upon Confirmation of the Gift at step M12, the Merchant may send the Gift. At M13 the Merchant is again challenged to authenticate to validate that the Merchant, or authorized Merchant employee, is sending the Gift.

[0405] At step M14, unique Gift IDs are created for each of the Recipients in the Gift Database 240. These Gifts are typically marked with a "Non

Exchangeable" flag, and the system 20 will not allow Merchants identified in such Merchant established Gifts to be exchanged for another Merchant.

[0406] At a step M15, the Media ID and/or URL from the selected Media Clip(s) is(are) added to the Gift Data.

[0407] At step M16, the transaction amount and any associated condition(s) is(are) saved in the Transaction Database 246. That information is then populated into the Gift Data associate with that Merchant Gift.

[0408] At step M17, the Recipient(s) is(are) saved into the User Database 240 and populate into the Gift(s).

[0409] At step M18, notifications are sent through an API defined by the notification system 36 to external notification systems (e.g., via SMS text and email (depending on what Recipient information was provided)). The Merchant is also presented with an option to send a Notification from their own text application on the Consumer device.

[0410] At step M19, the Merchant is directed to a screen allowing them to post Gift details to their account in one of several Social Media Services 298. If the Merchant chose to post certain details about the received Gift to a Social Media account, the Merchant selects the appropriate Social Media app, and the Gift Post is started for them. They can then edit the post and submit the post as normal through that account. Upon completion at step M20 the Merchant is taken back to the home screen of the Customer Application 32. g. MERCHANT LISTING CLAIMED

[0411] The process by which a Merchant“claims” or creates a Merchant account will now be described with reference to Figure 71.

[0412] To establish a Merchant Account in the Data Integration System 220, the Merchant may access the link via the Merchant’s page in the Consumer App 230 as shown at step L1 a or access the System Merchant webpage (e.g., using a browser) on at least one device such as a mobile phone or computer as shown at step L1 b. To establish the Merchant Account, the Merchant will enter the name and location of their business in the web form, and the Data Integration System 220 will identify whether the Merchant listing already exists in the System (L2). If the Merchant listing for that Merchant already exists, and the listing is not already claimed, then the Merchant can associate to that listing. If the listing does not exist, then the Merchant can create a new listing. In either case, the Merchant will enter Merchant Data comprising name, password and PIN, email, mobile phone number, home address(es), date of birth, and the last 4 digits of the Merchant’s social security number. The mobile phone number and password and PIN are saved to the Authentication Services System (L3). The personal information entered by the Merchant is then used to validate their identity by the Identity Services 290 (L4). The personal information is passed securely to the Identity Service System and not stored in the Data Integration System 220.

Upon validation of Identity, the Merchant profile is saved in the Data Integration System 220 and the Merchant is assigned a unique Merchant ID. The Merchant ID will be stored with the Merchant profile (L5 & L5a). Once complete, the Merchant will be signed into the Merchant portal.

[0413] To complete the claim of their existing listing, or the creation of a new listing, the Merchant must enter Merchant payment details (credit card, debit card, etc.) against which the Merchant will be billed (L6). The payment details are sent to and saved at the Purchase gateway 278 (L7), at which time a unique Billing ID is provided by the Purchase gateway 278 to the Data Integration System 220 and stored in that Merchant’s record in the Merchant Database 248 (L8).

[0414] At this time the Merchant may add customized Merchant media such as a video or still that will be displayed in the Merchant’s page in the

Consumer App 230. The Merchant may also customize the description that will be displayed on the Merchant’s page (L8), which is then saved in the Data Integration System 220 (L9, L9a). [0415] The Merchant may access their account at any time from a web browser. Conventional security methods such as password, biometric, or other may be used to authenticate individuals accessing the Merchant Account. The Merchant has the ability to change many of the Merchant profile details including uploading new media and description to support changes in their business, seasonal promotions, etc. h. GIFT RECEIVED & RESPOND

[0416] Referring now to Figures 72A, 72B, and 72C of the drawing, an example Recipient Notification Process and Gift Recipient Response will now be described.

[0417] At step N1 , the example Data Integration System 220 sends messages via the Messaging API that causes an external SMS notification system to send a notification of the Gift to the Gift Recipient at the date and time selected by the Giver (or original Giver for Giver Group Gifts). If the Recipient is already enrolled in the example Data Integration System 220, a system

notification to the Recipient’s Consumer App 230 will also be sent.

[0418] At a Receive Notification step N2, the Recipient receives a text and/or an in-app System notification notifying the Recipient that a Gift has been established in the name of the Recipient. At a Download Customer App step N3, the unregistered Recipient can download from device-specific App Store if the Customer has not yet downloaded the Customer Application 32 and/or have a Customer Account. At a Login, Download, Install, Open step N4, the Customer will be guided through the installation and registration process. In particular, at step Customer Sign Up/Registration step N5, the unregistered Recipient enters personal details, payment method, and preferences. At step N6, the Recipient Profile is Saved in the app, including photo if available. At step N7, the Recipient Profile is transferred, updated, and saved to the User Database 240.

[0419] When the Recipient is registered, at step N8 Gift details are transferred, updated, and saved to the Gift Database 240 in the name of the Recipient. At that point, Gift Data is transferred to the Recipient’s Customers Device 52 and viewed using the Recipient’s Customer Application at a View Received Gift step N9.

[0420] In particular, at a Giver Details step N10, the details of the Giver are transferred to the Recipient’s Customer Device 52 and presented to the Recipient using the Recipient’s Customer Application 32. The Gift details, including the identity of the Merchant, are similarly transferred to the Recipient’s Customer Device 52 and presented to the Recipient using the Recipient’s Customer Application 32 at a Gift Details step N1 1. Finally, the Merchant and/or Giver Media Clips associated with the Gift by saved Media IDs are transferred to the Recipient’s Customer Device 52 and presented to the Recipient using the Recipient’s Customer Application 32 at a Merchant/Giver Media step N12.

[0421] At a Schedule Reminder step N13, the Recipient can schedule a reminder and/or set notification preferences through the user interface of the Recipient’s Customer Application 32. At a Save Gift Details step N14, the settings and/or preferences of the Recipient/Customer may be updated, and the updated settings and/or preferences are stored in the Gift Database 240.

[0422] After the Recipient Notification Process is complete, an optional Recipient Reply Process may be presented to the Recipient. An example of an optional Recipient Reply Process will now be described. At a Reply to Giver step R1 , the Recipient is presented with three personalization options at step R1. [0423] The first personalization option is for the Giver to generate media R2a. Customer media can be generated in three ways. First, the Giver may take a video "selfie" through the camera interface defined by the Customer Application 32. Second, the Giver may take a still "selfie" through the camera interface defined by the Customer Application 32. Third, the Giver may select a still image or video from the camera library of the Customer Device 54. At step R2ai the Giver is given the option to change the cover of the video if they have taken a video“selfie” or chosen a video from the camera library of the Consumer Device 250. At step R2aii the Giver is given the option to edit the media if they taken a still“selfie”, chosen a still image from the cameral library of the Consumer Device 250, or added a new cover to a video. The Giver may choose from options to Transform the image, add Filters to the image, Overlay the image with pre-set Overlay graphics, add Sticker’s to the image from a library of Stickers, or add and design text on the image. Upon completion of the media editing, the Giver would save the image to the Consumer Device 250. Upon the reply being sent, in step R3a, the Customer generated media is saved to the Media Database 240. In addition, a unique URL is created and is compiled with the Gift upon purchase as shown at R4a.

[0424] The second personalization option is for the Giver to utilize System Media Clips as shown at step R2b. In particular, the Customer can access media (video, stills, music) in the System Media Library. The Customer can preview the media and select, or choose different media stored in the System Media Library by the operators of the Data Integration System 220. The media data associated with Media Clips stored in the System Media Library is stored in the Media Database 240. The media is selected at R3b. The unique URL for the selected media is added to the Gift upon purchase at step R3b.

[0425] The third personalization option is for the Giver to type a text message, including text and/or emojis at step R2c. This option can be used in combination with Giver or System generated Media Clips. The Giver is given the option to design the text using design tools from the Media Editing Services 260 on the Consumer Device 250. The text and emojis are added to the Gift Data at step R3c upon completion of the purchase of the Gift.

[0426] To complete the Recipient Reply Process, the Recipient will send a reply to be delivered immediately to the Giver through the Customer Application 32 at a Confirm, Edit & Send Reply step R4.

[0427] At step R5, the System sends a notification via an in-app System notification. At step B6, the Giver is directed to a screen allowing them to post Gift details to their account in one of several Social Media Services 298. If the Giver chooses to post certain details about the received Gift to a Social Media account, the Giver selects the appropriate Social Media app, and the Gift Post is started for them. They can then edit the post and submit the post as normal through that account. Alternatively, the Giver can choose to make the Gift private. If the Gift is Scheduled or a Group Gift is given, at step B27 the Giver is taken back to the home screen of the Customer Application 32. At a Post & Return Home step R5, the Recipient is prompted to post the Reply to available Social Media channels (e.g. Facebook & Twitter). The Recipient may optionally make the Reply private. At this point, the Recipient Reply Process is complete, and the Gift is closed, and the Recipient is returned to the Home Page of the Customer Application 32. i. MERCHANT MSG GIVER-RECIPIENT

[0428] Referring now to Figure 73 of the drawing, an example Merchant messaging to the Gift Giver or Recipient will now be described in further detail.

[0429] Figure 73 depicts the process by which the Merchant may message the Gift Giver or Recipient of a particular Gift for which the Merchant has been selected. The Merchant“signs in” to the Merchant App 232 on a Merchant Device 252 (G1 ) and enters mobile phone number and password and PIN to authenticate (G2). Once in the Merchant App 232, the Merchant then selects the Giver or Recipient of a particular Gift to whom the Merchant wants to send a message (G3). The Data Integration System 220 validates that the Merchant can send a message to that recipient via a rules engine that determines how often a Merchant may message a given Recipient (G4). The Merchant next creates and uploads user generated media such as video, audio, still picture or text copy (G5), and that media is saved to the Media Database 240 (G6). A System notification is then sent to the Recipient’s Consumer App 230 via the Notification Services 282 (G7). The Recipient opens the message (G8) and may choose to respond to the Merchant utilizing user generated media such as video, audio, still picture, or text copy (G9). If the Recipient responds to the Merchant, the response media is stored in the Media database (G10), and a notification is sent to the Merchant. k. PASSWORDLESS AUTHENTICATION

[0430] Referring now to Figure 74 of the drawing, an example

Passwordless Authentication Process will now be described.

[0431] This process shows a mechanism by which a user“signs up” and “signs in” without creating or entering a password. At initial sign up, or if the user has downloaded a new version of the Consumer App 230 on a new or existing Consumer Device 250, the user is prompted to enter their mobile phone number (A1 ). After the Consumer has entered the mobile phone number, the Consumer App 230 creates a complex password and securely stores the password and the user’s mobile phone number on the user’s mobile Consumer Device 250 (1 A). The password and mobile phone number are then securely provided to the Authentication Services 292 (A2). The Authentication System then sends a temporary code back to the user Consumer Device 250 via SMS and/or text messaging. The Consumer then validates using the temporary code sent by the Authentication System. Upon validation of the code, the Authentication System creates or updates the record.

[0432] If a record exists in the Authentication System for that mobile number, the existing password is updated with a newly created password. If there is no record for that mobile number in the Authentication System, a new record is created, and the newly created password is stored for that record. The Authentication System then sends a validation of the creation of the record to the User Database 240 in the Data Integration System 220, and a user profile, with a unique User ID, is created for that user (A3).

[0433] Later, when the Consumer App 230 is re-opened, the Consumer App 230 automatically securely sends the stored mobile number and password to the Authentication Services 292 (A4). Once the stored mobile number and password are validated, the Authentication System sends a message to the User Database 240 and the user profile is accessed. The user may then see all of their account information, including the history of sent and received Gifts, and is authorized to send new Gifts. This authentication process occurs without the user having to enter a password.

I. GIVE ONE GET ONE

[0434] An example Give One Get One Promotional Gift process will now be described with reference to Figures 75A, 75B, 75C, and 75D. The example Consumer Gift Build Process begins at step B1 in Figure 75A. At step B1 , the Create Recipient icon in the Consumer App 230 is selected by the Giver to create a new Gift Recipient. If the particular Recipient was previously added to Gift Recipients, that Recipient can be chosen from a list.

[0435] At step B2, contacts are accessed from the list of contacts on the Giver's device, if available, and presented in the Customer Application 32.

Customers can select a contact from or search for a contact in the list of contacts. If the contact is not in the Customer Device 52, the Giver can create a new contact in the Customer Application 32.

[0436] At step B3, the Recipient’s contact information is imported into a Gift form, and the Giver can edit the mobile phone number to ensure delivery of the Gift. At step B4, the Recipient's information is saved in the Customer Application 32, including a photo of the Recipient if available.

[0437] The Recipient information is initially stored in the Customer Device 52 and, upon purchase of the Gift, is transferred to the User Database 240 at step B5. The Recipient information is also copied to the Gift Database 240 at step B6 when the Gift is purchased. A new Gift ID is generated when the Gift Data is stored.

[0438] The Merchant Marketplace is presented to the Giver at step B7.

The Merchant Marketplace may be created as described elsewhere in this application.

[0439] The Giver selects the Merchant at Step B8 by selecting a Merchant from the Marketplace, choosing an amount (which is adjustable) for the Gift. If any promotions are available, the Giver could also choose a promotion. When the Gifter selects a Merchant for which a Promotional Gift has been funded, a promotional badge will appear on the Merchant page. The promotion will indicate the value of the Promotional Gift given to the Gifter when they give a Gift utilizing a minimum value for that Merchant to a Giftee. This information is held in the memory of the Giver’s Mobile Device until the Gift is purchased. Once the Gift has been purchased, the Merchant Data and Promotion Data are stored. If the Gift is not purchased, or cancelled, this information is deleted.

[0440] The transaction amount is next created and stored in the

Transaction Database 246 at step B9. At that point, the Transaction amount is referred to by the Gift ID. Upon purchase, that information is added to the Gift Database 240. At Step B10, the Identifier for the Merchant’s Gift offer is attached to the Gift Data entered into the Gift Database 240 to allow for up-to-date store location and videos to be presented with the Gift. At step B1 1 , Merchant components are added to the Gift upon purchase.

[0441] At step B12, Gift personalization options are presented to the Giver. The Giver has three options for personalizing the Gift.

[0442] The first personalization option is for the Giver to generate media B13a. Customer media can be generated in three ways. First, the Giver may take a video "selfie" through the camera interface defined by the Customer Application 32. Second, the Giver may take a still "selfie" through the camera interface defined by the Customer Application 32. Third, the Giver may select a still image or video from the camera library of the Customer Device 54. At step B13ai, the Giver is given the option to change the cover of the video if they have taken a video“selfie” or chosen a video from the camera library of the Consumer Device 250. At step B13aii the Giver is given the option to edit the media if they have taken a still“selfie”, chosen a still image from the cameral library of the Consumer Device 250, or added a new cover to a video. The Giver may choose from options to Transform the image, add Filters to the image, overlay the image with pre-set Overlay graphics, add sticker’s to the image from a library of stickers, or add and design text on the image. Upon completion of the media editing, the Giver would save the image to the Consumer Device 250. Upon purchase in step B14a, the Customer generated media is saved to the Media Database 240. In addition, a unique URL is created and is compiled with the Gift upon purchase as shown at B15a.

[0443] The second personalization option is for the Giver to utilize System Media Clips as shown at step B13b. In particular, the Customer can access media (video, stills, music) in the System Media Library. The Consumer can preview the media and select, or the Consumer choose different media stored in the System Media Library by the operators of the Data Integration System 220. The media data associated with Media Clips stored in the System Media Library is stored in the Media Database 240. The media is selected at B14b. The unique URL for the selected media is added to the Gift upon purchase at step B15b.

[0444] The third personalization option is for the Giver to type a text message, including text and/or emojis at step B13c. This option can be used in combination with Giver or System generated Media Clips. The Giver is given the option to design the text using design tools from the Media Editing Services 260 on the Consumer Device 250. The text and emojis are added to the Gift Data at step B14c upon completion of the purchase of the Gift.

[0445] Once the personalization is complete, the Giver is taken, at B16, to a user interface screen that includes all of the elements of the Gift. The Giver can edit any of these elements, cancel the Gift, or save the Gift. If the Gift is cancelled, the information held in the Customer Application 32 on the Customer Device 52 will be deleted and will not be populated into any of the databases of the Data Integration System 220. At B16a, during the edit process the Giver may also“Lock Merchant” for the Gift such that the Gift can only be used at that Merchant and not Exchanged for another Merchant. [0446] Upon Confirmation of the Gift at step B17, the Giver is taken to the screen to Send the Gift. The Giver can send the Gift immediately, schedule to send the Gift at another time, or choose Group Gift and add others to the Gift. The Customer can change payment information on this screen and is prompted to add payment if this information has not already been stored in the System 20.

[0447] A Send Now step may be selected at B18a, at which point Gift transaction is finalized and processed.

[0448] A Schedule step may be chosen at B18b. When the Schedule step is selected, the Giver is brought to a screen to pick the date and time at which the Gift is delivered. The Giver selects and confirms the delivery date and chooses send. The Gift transaction is finalized and processed.

[0449] Step B18c allows a Giver Group Gift to be purchased. A Giver Group Gift allows multiple people to contribute money and greetings to the Recipient. The Giver is brought to a screen to pick Recipients of the Recipient Group Gift invitation. The Giver chooses Recipients from contacts database on the Customer Device 52 or adds a new contact(s). The Giver creates a custom message in text or in a video to be sent in the invitation to the group. The Giver chooses a delivery time and date of the Gift. A notification is added to the invitation letting invitees know by when they need to add to the Gift. The Giver is brought to a screen to confirm the details and may edit any component. The Giver confirms, and the transaction is processed. The Group Build description above contains details on how others add to the Gift.

[0450] Upon making a Send choice at step B19, a validation of the Credit Card occurs with the Purchase gateway 278. If the card is validated, the Gift notification is sent. The Gift notification may be scheduled or a group invitation sent depending on the choice. If not, the Giver is instructed to utilize another credit card. Once the credit card is validated, the Gift amount is posted to the Transaction Database 246 with the unique Gift ID at step B20a. If the Giver has a valid Promotional Code, they may enter the Promotional Code in lieu of the Credit Card information during step B17. If the Giver uses a Promotional Code, upon making the Send choice at step B19 a validation of the Promotional Code occurs at the Redemption gateway 276. If the Promotional Code is validated, the Gift notification is sent. If the Promotional Code is not validated, the Giver is instructed to try the Promotional Code again. Once the Promotional Code is validated the Gift amount is posted the Transaction Database 246 with the unique Gift ID at step B20b.

[0451] Once the credit card or Promotional Code is validated, the amount entered by the Giver is transmitted at step B21 from the Transaction Database 246 to the Gift Database 240 to populate the Recipient's Gift. At step B22 the Giver’s personalized Media and the Media associated with the Merchant for that gift are transferred and saved in the Media Database 240. All of the other components of the Gift that may be been stored in temporary memory are now added to the Gift Data at step B23 that is stored in the Gift Database 240. The Recipient Data is stored in the User Database 240 in step B24. Steps B21 through B24 occur concurrently.

[0452] Once the credit card is validated, the Giver is presented with a "Sent" confirmation step B22 if sent immediately. If the Gift has been scheduled the Giver sees a "Scheduled" confirmation. The Giver sees a "Notifications Sent" confirmation. Once the Gift notification is sent (regardless of date) notifications via text and email (if both were entered) are sent to the Gift Recipient. The Gift Receive description contains additional details of the process of redeeming gifts.

[0453] The example Data Integration System 220 sends messages at step B23 using the notification system 38 (e.g., notification API) to external email and SMS notification systems to send a notification of the Gift to the Recipient. If the Recipient is already enrolled in the Data Integration System 220, a notification may also be sent by the Data Integration System 220.

[0454] If the Gift notification is sent immediately, upon the "Sent" confirmation at B25, the Giver is directed to a screen providing the ability at B25a to send a text notification about the Gift to the Gift Recipient. The notification would include a personalized message and a link which, when tapped, would either open the Gift if the Gift Recipient had already downloaded the Consumer App 230 and enrolled, or open the Airshare page in the App Store appropriate for that device type.

[0455] Upon sending the text, at step B26 the Giver is directed to a screen allowing them to post Gift details to their account in one of several Social Media Services 298. If they choose to post certain details about the received Gift to a Social Media account, the Giver selects the appropriate Social Media app, and the Gift Post is started for them. They can then edit the post and submit the post as normal through that account. Alternatively, the Giver can choose to make the Gift private. If the Gift is Scheduled or a Group Gift is given, at step B27 the Giver is taken back to the home screen of the Customer Application 32.

[0456] Once the Gift Process is completed, the Giver chooses "Done" at step B26, and, at step B27, the Giver is returned to the home screen of the Customer Application 32.

[0457] Once the transaction is completed, a new Promotional Gift, utilizing the value indicated in the promotion, is generated by the system and stored in the Gift Database 240 utilizing the Givers Account ID in step B27. Concurrently, the transaction amount is stored in the Transaction Database 246 in step B29. If the Merchant has created customized media to add to the Promotional Gift, it is added as the personalized media for that Promotional Gift in step B28. The Promotional Gift is then added to the Gifter’s account, and notifications are sent to the Gifter from the Notification Services 282 in step B30. In step B31 the Giver can then open and use the Promotional Gift at one of the Merchant’s locations.