Method and apparatus for automatically reloading a stored value card
First Claim
Patent Images
1. A method for automatically reloading a stored value card (SVC), the method comprising:
- determining that an event related to a stored value card (SVC) has occurred;
incrementing a balance of an account associated with the SVC by a pre-authorized amount; and
notifying a holder of the account that incrementing the balance has occurred.
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Abstract
To facilitate the sale of merchandise using a stored value card (SVC), a method and system are provided to automatically reload an SVC in accordance with automatic reload preferences associated with the SVC account. The preferences include the pre-authorized reload amount, payment method, and the circumstances under which to automatically reload the SVC with the pre-authorized reload amount. The preferences are previously specified by a party associated with the SVC when setting up the automatic reload option. The party is notified when the automatic reload occurs.
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Citations
81 Claims
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1. A method for automatically reloading a stored value card (SVC), the method comprising:
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determining that an event related to a stored value card (SVC) has occurred;
incrementing a balance of an account associated with the SVC by a pre-authorized amount; and
notifying a holder of the account that incrementing the balance has occurred. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. An apparatus to automatically reload a stored value card (SVC), comprising:
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an event processor to determine whether an event should trigger an automatic reload of an SVC;
a payment processor to authorize payment for a reload amount triggered by the event; and
a reloader to increment an account balance of the SVC by the authorized reload amount. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
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37-45. -45. (canceled)
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46. A method for reloading a stored value card, comprising:
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receiving a request to reload a stored value card (SVC), the request having been automatically generated in accordance with an automatic reload preference;
incrementing a balance of an account associated with the SVC by an automatic reload amount indicated in the request; and
confirming whether the request has been completed. - View Dependent Claims (47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61)
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62. A computer-accessible medium having executable instructions to reload a stored value card (SVC), the instructions comprising:
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to determine that an event related to a stored value card (SVC) has occurred;
to increment a balance of an account associated with the SVC by a pre-authorized amount; and
to notify a holder of the account of that the balance was incremented. - View Dependent Claims (63, 67, 69, 70, 71, 72, 73, 74, 75, 76, 77, 78, 79, 80, 81)
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64-66. -66. (canceled)
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68. (canceled)
Specification