What If Your Cell Phone was a Reloadable GiftCard?

The Genie Reloadable Gift Card invention is a new proprietary suite of digital solutions designed to leverage several of Genie Gateway’s existing inventions in order to create the most robust Virtual Gift Card combining the best of two worlds: Closed-Loop peer-to-peer (P2P) real-time payments enabling Genie GiftCard holders to both send and receive payments from any other Genie GiftCard holder; and Open-Loop payments where a Genie GiftCard holder can both send and receive payments face-to-face, online, or by phone, from anyone with an email address and a checking account, at any conventional bank.

Unlike traditional gift cards where the stored value enables the cardholder to make payments only to designated merchants, the Genie GiftCard by combining the features of a CashBox, GenieChecking and Check22 opens the doors for its cardholders to complete both incoming and outgoing transaction with anyone, anytime using all internet enabled devices.

Genie Gateway’s Unified Phone Number (UPN) business method invention allows Cardholders to use their cell phone number as a single identifying number for their Genie GiftCard and to establish a business connection to any firm, person, organization or entity, and to begin and complete a wide variety of communications and transactions with those parties, with complete security.

The Genie reloadable GiftCard is designed for businesses who wish to provide a friendly service to their returning customers. This service is very simple: their customers use their cell number to pay for their shopping, and since service is a self-contained closed loop system, NO complex banking relationships are needed. Participating merchants can offer their Store-Exclusive Gift cards free of charge, and their customer can use up to five different ways to load funds to their Genie GiftCard

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