USPTO published patent application US20260094138A1 filed by assignee Fiserv, Inc. on April 2, 2026. The application covers methods and systems for integrating gift cards and gift card transactions into payment flows that include general payment networks, providing closed-loop gift card system functionality within wider payment networks and allowing use of gift cards with additional payment methods. CPC classifications include G06Q 20/105, G06Q 20/06, G06Q 20/363, and G06Q 20/4014.

This is a patent application publication, not a regulatory requirement. No compliance actions, deadlines, or penalties apply. Competitors in the payment processing and fintech sectors may wish to review for competitive intelligence purposes. The technology relates to payment network integration, gift card systems, and digital stored value management.