摘要：

A method and system for providing purchasable value for gifts and other uses in the form of a credit instrument is provided. A purchaser of a gift credit instrument authorizes a credit institution with which the purchaser holds a credit account to create a limited-value, non-renewable secondary account linked exclusively to the purchaser's credit account. A credit instrument is issued to an authorized user which credit instrument uniquely identifies the secondary account. The gift credit instrument may be used in the same manner as the purchaser's credit instrument; however, it expires after a certain period of time or after the initial value of the secondary account is spent. A system for carrying out the method is also provided.

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