System and method for adding value to a stored-value account using provider specific pin

• US 20070094129A1
• Filed: 09/05/2006
• Published: 04/26/2007
• Est. Priority Date: 12/19/2003
• Status: Abandoned Application

• Current Assignee: e2Interactive Incorporated
• Original Assignee: e2Interactive Incorporated
• Inventors: Smith, Merrill, Graves, Phillip
• Application Number:
  US11/515,560
• Publication Number:
  US 20070094129A1
• Time in Patent Office: Days
• US Class Current: 705/38
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

Systems and methods for processing stored value card requests are disclosed herein. The method may generally comprise: distributing a stored-value card to a first merchant for distribution to a customer having an account with a specific provider, the stored-value card having an associated identifier that can be used to associate a stored value with the card, the associated stored value being redeemable with one or more providers, including the specific provider, the account having an associated account number; receiving a first request to activate the card from a first merchant terminal, the first request resulting from a card purchase transaction; receiving a redemption request from the customer, wherein the redemption request comprises the identifier; identifying the provider; and passing to the customer a provider-specific identifier representative of the stored value. Systems are disclosed for accomplishing the same.

Claims

1. A method of processing a stored value card request, comprising:

distributing a stored-value card to a first merchant for distribution to a customer having an account with a specific provider, the stored-value card having an associated identifier that can be used to associate a stored value with the card, the associated stored value being redeemable with one or more providers, including the specific provider, the account having an associated account number;

receiving a first request to activate the card from a first merchant terminal, the first request resulting from a card purchase transaction;

receiving a redemption request from the customer, wherein the redemption request comprises the identifier;

identifying the provider; and

exchanging such identifier with a provider-specific identifier representative of the stored value and passing the provider specific identifier to the customer.

2. The method of claim 1, wherein the stored value card is associated with the specific provider prior to receiving the first activation request.

3. The method of claim 1, wherein the first activation request is during the card purchase transaction.

4. The method of claim 1, further comprising:

prior to receiving the first activation request;

receiving a request for a card preauthorization confirmation from the first merchant terminal; and

passing the card preauthorization confirmation to the first merchant terminal.

5. The method of claim 1, further comprising:

passing to the provider the account number;

passing to the provider the provider-specific identifier; and

passing to the provider a request to apply the associated stored value to the account.

7. The method of claim 1, wherein the first activation request comprises input information that was input from the card at the first merchant terminal.

8. The method of claim 7, wherein the card comprises a bar code and the input information is input by scanning the bar code or wherein the card comprises a magnetic strip and the input information is input by swiping the magnetic strip.

9. The method of claim 1, wherein the redemption request is received at a specific website, and wherein the provider is identified by the specific website, and wherein the provider is identified by the specific website.

10. The method of claim 1, wherein the redemption request is received from a customer phone number, and the account number is identified by identifying the customer phone number using an automatic identification number (ANI) process.

11. The method of claim 1, wherein the identifier is a personal identification number (PIN).

12. The method of claim 1, further comprising:

passing an activation confirmation to the first merchant terminal.

15. The method of claim 1, wherein the associated stored value is redeemable for a purpose selected from the group consisting of:

wireless telephone services, paging services, internet-enabled communication services, wireless internet access, emergency road service, legal services, accountant services, tax services, transportation services, online dating services, internet access, bridge toll payment, road toll payment, long distance telephone services, and film processing services.

16. The method of claim 1, wherein the stored value card is selected from the group consisting of:

a gift card, a prepaid gas card, a prepaid grocery card, a prepaid entertainment card, a prepaid movie card, a downloadable ring tone card, a downloadable game card, a downloadable music card, and a customer rewards card.

6. The method of claim 6, further comprising:

receiving a value insertion confirmation from the provider.

13. A system for adding stored value to a customer account, comprising:

a stored value card having an associated stored value redeemable with any of a plurality of providers, wherein the stored value card comprises an identifier and an indicia of the identifier;

a merchant terminal configured to input an indicia of an identifier associated with a stored value card and transmit the indicia to a central processor during a stored value card transaction with a customer having an account with a specific provider;

a central processor configured to;

receive an indicia of an identifier from a merchant terminal, wherein the indicia is associated with a specific stored value card;

receive an identifier from a customer, wherein the identifier is associated with the specific stored value card;

exchanging such identifier with a provider-specific identifier representative of the stored value and passing the provider specific identifier to the customer, wherein the provider-specific identifier is associated with the stored value; and

a provider configured to receive from a customer a request to add the stored value to the customer account, the request comprising the provider-specific identifier.

14. A method of processing a stored value card request, comprising:

distributing a stored-value card to a first merchant for distribution to a customer having an account with a specific provider, the stored-value card having an associated identifier that can be used to associate a stored value with the card, the associated stored value being redeemable with one or more providers, including the specific provider, the account having an associated account number;

receiving a first request to activate the card from a first merchant terminal, the first request resulting from a card purchase transaction;

receiving a redemption request from the customer, wherein the redemption request comprises the identifier;

identifying the provider;

exchanging the identifier with a provider-specific identifier representative of the stored value and passing the provider specific identifier to the customer;

passing to the provider the account number;

passing to the provider the provider-specific identifier; and

passing to the provider a request to apply the associated stored value to the account.