Provide plug-in web service to allow tiny restaurants to sell gift certificates and prepaid cards.Service would take credit card, mail physical gift cert, and load prepaid card onto person's account which they carry on their phone.
Store/restaurant would take paper gift certs like usual - with tracking number managed by the service and tracking number / bar code so store can scan to validate and mark it as used.
For prepay, customer holds up picture on phone, or sends acct # via rfid. Store's dedicated smartphone (or small appliance) reads, goes to web service to validate and deduct from their account.
As add-on, upsell simple website for tiny restaurants that have no web presence.
If restaurant wants, put them on a list of all available restaurants.
Consider allowing someone to buy $ into an overall card that works at any of the restaurants.
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Most retailers outsource their gift-card operations to third-party processors, such as First Data, Ceridian Stored Value Solutions, and Safeway (SWY). These companies tend to function more like IT operations than financial institutions because they control databases of information as opposed to cash.
Tuesday, October 04, 2011
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