Food card to restrict purchases

• US 20060289636A1
• Filed: 06/27/2005
• Published: 12/28/2006
• Est. Priority Date: 06/27/2005
• Status: Abandoned Application

• Current Assignee: International Business Machines Corporation
• Original Assignee: International Business Machines Corporation
• Inventors: Hoblit, Robert S.
• Application Number:
  US11/167,440
• Publication Number:
  US 20060289636A1
• Time in Patent Office: Days
• US Class Current: 235/383
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence

Abstract

Restricted-purchase stored-value food cards which donors can purchase and donate, with assurance that purchases with those cards will be automatically restricted to particular food items (such as food items that would also qualify for food stamp benefits under a government program). Use of the food card to purchase items such as cigarettes and alcohol, for example, may be prohibited. By automatically restricting the purchases to eligible items, the donor'"'"'s charitable intent can be fulfilled. The cards may be used by a shopper, for example, to supplement government food stamp benefits.

Claims

1. A method of providing restricted-purchase food card benefits, comprising steps of:

determining whether a shopper presenting a restricted-purchase food card for payment is eligible for use thereof, and if so, performing steps of;

determining, for each item presented by the shopper for purchase, whether the presented item qualifies for payment using the food card, and if so, adding a cost of the presented item to an eligible amount; and

using, for the payment of the eligible amount, at least a portion of a stored monetary value associated with the food card and reducing the stored monetary value by the used portion,

wherein the food card is donated to the shopper such that the shopper can use the stored monetary value as payment for items that are automatically restricted to items qualifying for payment using the food card.

2. The method according to claim 1, wherein the food card is purchased and donated by a private donor.

3. The method according to claim 1, wherein the step of determining whether the shopper is eligible for use of the food card further comprises the step of verifying that the shopper is eligible for food stamp benefits.

4. The method according to claim 3, wherein the step of verifying that the shopper is eligible for food stamp benefits further comprises using a food stamp card presented by the shopper.

5. The method according to claim 3, wherein the step of verifying that the shopper is eligible for food stamp benefits further comprises using food stamp identifying information presented by the shopper.

6. The method according to claim 1, wherein the step of determining whether the presented item qualifies for payment using the food card further comprises the step of concluding that the presented item qualifies for the payment only if the presented item is eligible for food stamp benefits.

7. The method according to claim 1, wherein the step of determining whether the presented item qualifies for payment using the food card further comprises the steps of:

determining a class of the presented item; and

concluding that the presented item qualifies if the class is eligible for food stamp benefits.

8. The method according to claim 1, wherein the step of determining whether the presented item qualifies for payment using the food card further comprises the steps of:

comparing an identifier of the presented item to a list of eligible items; and

if the identifier for the presented item appear on the list, concluding that the presented item qualifies.

9. The method according to claim 1, wherein the step of determining whether the presented item qualifies for payment using the food card further comprises the step of checking an eligibility indicator encoded in machine-readable information of the presented item.

10. The method according to claim 1, wherein the food card is rechargeable, such that the stored monetary value associated with the card can be increased subsequent to an initial activation of the card.

11. The method according to claim 1, wherein the food card is rechargeable, such that the stored monetary value associated with the card can be increased subsequent to reducing the stored monetary value at least once.

12. The method according to claim 1, wherein the stored monetary value is predetermined for the food card.

13. The method according to claim 1, wherein the stored monetary value is determined by a donor who donates the food card to the shopper.

14. A method of enabling donors to donate food cards to shoppers while automatically restricting purchases made therewith to qualifying food items, comprising steps of:

enabling a donor to purchase a restricted-value food card for donation to a shopper, wherein the food card has a stored monetary value associated therewith and wherein the donor pays, as a purchase price of the food card, the stored monetary value; and

enabling the shopper to use the donated food card to purchase qualifying food items, in an amount equal to the stored monetary value, such that the purchased food items are automatically restricted to food items from an eligibility list.

15. A restricted-purchase food card, comprising a magnetic stripe readable by a magnetic stripe reader, the magnetic stripe encoded with information identifying the card as a restricted-purchase food card and with information from which an amount of available funds associated with the card can be determined, wherein the food card is adapted for use with payment processing that automatically restricts purchases made with the card to selected food items, such that a donor of the card can be assured that a shopper using the card for payment can only purchase the selected food items with the card.

16. The restricted-purchase food card according to claim 15, wherein the selected food items are determined by consulting a stored list of food items for which food stamp benefits are available.

17. A computer program product for providing restricted-purchase food card benefits, the computer program product comprising computer-readable code embodied on one or more computer-usable media, the computer-readable code comprising instructions that when executed on a computer cause the computer to:

determine whether a shopper presenting a restricted-purchase food card for payment is eligible for use thereof, and if so, to;

determine, for each item presented by the shopper for purchase, whether the presented item qualifies for payment using the food card, and if so, adding a cost of the presented item to an eligible amount; and

use, for the payment of the eligible amount, at least a portion of a stored monetary value associated with the food card and reduce the stored monetary value by the used portion,

wherein the food card is donated to the shopper by a donor, such that the shopper can use the stored monetary value as payment for items that are automatically restricted to items qualifying for payment using the food card.

18. The computer program product according to claim 17, wherein the instructions that cause the computer to determine whether the shopper is eligible for use of the food card further comprise instructions for causing the computer to verify that the shopper is eligible for food stamp benefits using food stamp identifying information presented by the shopper.

19. The computer program product according to claim 17, wherein the instructions that cause the computer to determine whether the presented item qualifies for payment using the food card further comprise instructions for causing the computer to conclude that the presented item qualifies for the payment only if the presented item is eligible for food stamp benefits.

20. The computer program product according to claim 17, wherein the donor is a private individual or a private charitable group.