Stored-value card management method and system

• US 10,217,106 B2
• Filed: 06/07/2017
• Issued: 02/26/2019
• Est. Priority Date: 09/20/2007
• Status: Active Grant

• Current Assignee: Blackhawk Network Incorporated (Albertsons Cos., Inc.)
• Original Assignee: Blackhawk Network Incorporated (Albertsons Cos., Inc.)
• Inventors: Sullivan, Thomas J., Graves, J. Simmons
• Primary Examiner(s): Marshall, Christle I
• Application Number:
  US15/616,182
• Publication Number:
  US 20170270514A1
• Time in Patent Office: 629 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/343 Cards including a counter
• CPC Class Codes: G06Q 20/3433 the counter having monetary units
• CPC Class Codes: G06Q 20/351 Virtual cards
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4018 using the card verification value [CVV] associated with the card
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

A computerized system for activating, issuing and otherwise managing transactions and activities pertaining to stored-value cards over a communications network. A central information database is provided for storing stored-value cardholder and card purchaser information received directly from respective stored-value cardholders and card purchasers PCs through a universal central processor via respective communication gateways. The central processor is coupled for communication realtime to multiple unaffiliated stored-value card processing networks normally operated by respective hosts. Each network includes a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices. The central processor is programmed for managing the activation and issuance of transactions and activities for the stored-value card through the respective unaffiliated networks. The universal central processor is programmed to issue the stored-value cards directly to the cardholder or card purchaser by download over respective communication gateways. The universal central processor is further programmed for reporting the card activations, issuances, transactions and activities to the cardholders and the merchants thereby providing a universal management system.

Claims

1. A computerized method for real-time activating and issuing of stored-value cards over a communications network, the method comprising:

receiving, by a central processor specifically programmed for activating and issuing stored-value cards from a plurality of unaffiliated stored-value card processing networks directly to cardholders or cardholder benefactors, a stored-value card purchasing request via a respective communication gateway, and in response to receiving the request;

communicating in real-time, by the central processor, with an unaffiliated stored-value card processing network, such network including a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices;

communicating in real-time, by the central processor, with a potential or existing stored-value cardholder or card purchaser regarding a stored-value card, via a communication gateway, wherein communication gateway does not comprise the unaffiliated stored-value card processing network;

activating and issuing the stored value card through the central processor; and

managing a stored-value card transaction through said unaffiliated stored-value card processing network by said central processor.

2. The computerized method of claim 1, wherein the issuing of the stored-value card is by the unaffiliated stored-value card processing network over the communication gateway connection with said central processor directly to said cardholder or card purchaser.

3. The computerized method of claim 1, wherein said managing includes storing individual cardholder information in a central information database and directly associating each stored-value card transaction and activity accomplished through said network by said central processor with an individual cardholder identified in said central information database.

4. The computerized method of claim 1, wherein said managing includes reporting the card activation, issuances, transactions or activities by said central processor to the cardholder and the merchant.

5. The computerized method of claim 1, wherein communicating in real-time with the potential or existing stored-value cardholder or card purchaser includes issuing an authorization number by said central processor related to a card purchase.

6. The computerized method of claim 1, wherein the stored-value card contains a card verification valued (CVV) number.

7. A method of universally managing multiple unaffiliated stored-value card processing networks, each network including a stored-value card processor connected to a stored-value card database, and multiple respective merchant communication interface devices for communication by respective merchants with said processors, said method comprising:

providing a universal central processor and communicating by said universal central processor with a universal stored-value card cardholder information database managed by said universal central processor;

communicating by said universal central processor with potential or existing stored-value cardholders or holder benefactors through communication gateways, wherein the communications gateways do not comprise the multiple unaffiliated stored-value card processing networks;

communicating by said universal central processor with said stored-value card processing networks;

programming said universal central processor for communicating with said unaffiliated stored-value card processors for electronically activating and issuing stored-value cards to said cardholders or holder benefactors through the central processor, and further programming said universal central processor for managing stored-value card transactions through said stored-value card processors.

8. The method of claim 7, further programming said universal central processor for associating each of said transactions directly with an individual cardholder identified in said information database.

9. The method of claim 7, further programming said universal central processor for sending bonus funds to a card for purchases made.

10. The method of claim 7, further programming said universal central processor for electronically sending offers and advertisements to cardholders.

11. The method of claim 7, further programming said universal central processor for creating gift card rewards and electronically sending such rewards to cardholders.

12. The method of claim 7, wherein the stored-value cards contain a card verification valued (CVV) number.

13. A computerized system for electronically providing stored-value cards over a communications network, the system comprising:

a central information database for storing stored-value cardholder information;

a central processor for receiving card purchasing requests from respective stored-value card holders or card purchasers, said central processor coupled for communication to multiple unaffiliated stored-value card processing networks, each network including a stored-value card processor coupled to a stored value card database and multiple respective merchant communication devices, said central processor programmed in response to a card purchaser request for communicating with a respective processor to electronically activate and issue a stored-value card through the central processor, wherein said card purchaser request is received via a communication gateway which does not comprise the multiple unaffiliated stored-value card processing networks, and said central processor programmed for managing transactions originated by the cardholder or card processor for the stored-value cards through said unaffiliated networks.

14. The computerized system of claim 13, wherein said central processor is programmed to associate each stored-value card transaction accomplished through one of said networks with an individual cardholder identified in said central information database.

15. The computerized system of claim 13, wherein said central processor is programmed for reporting the card activations, issuances, transactions and activities to the cardholders and the merchants.

16. The computerized system of claim 13, wherein said central processor is programmed to issue an authorization number in response to receiving a card purchasing request.

17. The computerized system of claim 13, said stored-value cards including gift cards, prepaid cards and reward cards.

18. The computerized system of claim 13, wherein said merchant communication interface devices include a point-of-sale (POS) terminal.

19. The computerized system of claim 13, wherein the stored-value card is communicated to the cardholder with a card verification valued (CVV) number.