System and method for managing stored-value card data
First Claim
1. A computerized method for managing stored-value card data over a communications network between a plurality of terminals and a central processor, each of said terminals accessible to respective users and located in a respective location generally remote relative to the central processor, the stored-value card data configured to securely process stored-value cards transacted by respective users to enable charging prepaid services and/or products to a recipient of the transacted stored-value card, the method comprising:
- providing a database coupled to the central processor;
storing in the database a plurality of records comprising stored-value card data for each stored-value card;
processing a “
setup”
card assigned to that location through each terminal at that location to capture respective identifiers of each terminal;
associating in each stored record the captured identifiers to uniquely match a respective stored-value card and a respective terminal; and
transmitting a request of stored-value card activation to the central processor from a respective requesting terminal, the central processor configured to accept said activation request based on whether the associated identifiers for the stored-value card to be activated match identifiers actually transmitted by the requesting terminal for that stored-value card and terminal, thus ensuring fraud-free activation of that stored-value card.
6 Assignments
0 Petitions
Accused Products
Abstract
A computerized system and method for managing stored-value card data over a communications network between a plurality of terminals and a central processor is provided. Each of the terminals is accessible to respective users and is located in a respective location generally remote relative to the central processor. The stored-value card data is configured to securely process in real time stored-value cards transacted by respective users to enable charging prepaid stored-value services to a recipient of the transacted stored-value card. The method allows for providing a database coupled to the central processor. The method further allows for storing in the database a plurality of records comprising stored-value card data for each stored-value card. An associating step allows for associating in each stored record respective identifiers to uniquely match a respective stored-value card and a respective terminal. The associating step is enabled by assigning a “setup” card to the location and capturing the terminal information when a transaction utilizing that card is made. A transmitting step allows for transmitting a request of stored-value card activation to the central processor from a respective requesting terminal, the central processor configured to accept said activation request based on whether the associated identifiers for the stored-value card to be activated match identifiers actually transmitted by the requesting terminal for that stored-value card and terminal.
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Citations
31 Claims
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1. A computerized method for managing stored-value card data over a communications network between a plurality of terminals and a central processor, each of said terminals accessible to respective users and located in a respective location generally remote relative to the central processor, the stored-value card data configured to securely process stored-value cards transacted by respective users to enable charging prepaid services and/or products to a recipient of the transacted stored-value card, the method comprising:
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providing a database coupled to the central processor;
storing in the database a plurality of records comprising stored-value card data for each stored-value card;
processing a “
setup”
card assigned to that location through each terminal at that location to capture respective identifiers of each terminal;
associating in each stored record the captured identifiers to uniquely match a respective stored-value card and a respective terminal; and
transmitting a request of stored-value card activation to the central processor from a respective requesting terminal, the central processor configured to accept said activation request based on whether the associated identifiers for the stored-value card to be activated match identifiers actually transmitted by the requesting terminal for that stored-value card and terminal, thus ensuring fraud-free activation of that stored-value card. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A computer-readable medium encoded with computer program code for managing stored-value card data over a communications network between a plurality of terminals and a central processor, each of said terminals accessible to respective users and located in a respective location generally remote relative to the central processor, the stored-value card data configured to securely process stored-value cards transacted by respective users to enable charging prepaid services and/or products to a recipient of the transacted stored-value card, the program code causing a computer to execute a method comprising:
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controlling a database coupled to the central processor;
storing in the database a plurality of records comprising stored-value card data for each stored-value card;
associating in each stored record respective identifiers to uniquely match a respective stored-value card and a respective terminal;
defining in each stored record a parameter corresponding to the face value of each respective stored-value card;
processing a request of stored-value card activation to the central processor from a respective requesting terminal, the central processor configured to accept said activation request based on whether the associated identifiers for the stored-value card to be activated match identifiers actually transmitted by the requesting terminal for that stored-value card and terminal. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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25. A system for managing stored-value card data over a communications network between a plurality of terminals and a central processor, each of said terminals accessible to respective users and located in a respective location generally remote relative to the central processor, the stored-value card data configured to securely process stored-value cards transacted by respective users to enable charging prepaid services and/or products to a recipient of the transacted stored-value card, the system comprising:
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a database coupled to the central processor;
a storage module configured to store in the database a plurality of records comprising stored-value card data for each stored-value card;
an associating module configured to associate in each stored record respective identifiers to uniquely match a respective stored-value card and a respective terminal;
a value module configured to define in each stored record a parameter corresponding to the face value of each respective stored-value card;
a first processing module configured to process a request of stored-value card activation to the central processor from a respective requesting terminal, the central processor configured to accept said activation request based on whether the associated identifiers for the stored-value card to be activated match identifiers actually transmitted by the requesting terminal for that stored-value card and terminal and wherein the request for stored-value card activation enables to associate a value for the card to be activated solely based on the parameter corresponding to the face value for that card;
a second processing module configured to process a request for incrementing the value associated with a respective stored-value card, said request transmitted to the central processor from a respective requesting terminal, the central processor configured to accept said increment request based on whether the respective identifiers stored in the record for the stored-value card whose associated value is to be incremented match identifiers actually transmitted by the requesting terminal for that stored-value card and terminal and wherein the incrementing request is solely based on multiples of the parameter corresponding to the face value of that stored-value card. - View Dependent Claims (26, 27, 28, 29, 30, 31)
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Specification