SYSTEMS AND METHODS FOR PERSONAL IDENTIFICATION NUMBER DISTRIBUTION AND DELIVERY

• US 20100254522A1
• Filed: 03/08/2010
• Published: 10/07/2010
• Est. Priority Date: 07/19/2000
• Status: Active Grant

• Current Assignee: EWI Holdings Inc. (Albertsons Cos., Inc.)
• Original Assignee: EWI Holdings Inc. (Albertsons Cos., Inc.)
• Inventors: New, Darren, Paschini, Miles, Rose, Marshall
• Granted Patent: US 8,472,594 B2
• Time in Patent Office: Days
• US Class Current: 379/93.120
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/127 Shopping or accessing services according to a time-limitation
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• 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 20/351 Virtual cards
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G07F 17/0014 for vending, access and use of specific services not covered anywhere else in G07F17/00 meter-controlled dispensing of liquid, gas or electricity G07F15/00
• CPC Class Codes: H04L 63/083 using passwords cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04M 15/00 Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
• CPC Class Codes: H04M 15/49 Connection to several service providers
• CPC Class Codes: H04M 15/51 for resellers, retailers or service providers
• CPC Class Codes: H04M 15/68 Payment of value-added services
• CPC Class Codes: H04M 17/00 Prepayment of wireline communication systems, wireless communication systems or telephone systems using a coded card to authorise calls from a telephone set H04M1/675
• CPC Class Codes: H04M 17/103 using SIMs (USIMs) or calling cards
• CPC Class Codes: H04M 17/20 with provision for recharging the prepaid account or card, or for credit establishment
• CPC Class Codes: H04M 17/201 automatic recharging with predetermined amount at threshold
• CPC Class Codes: H04M 17/204 on-line recharging, e.g. cashless
• CPC Class Codes: H04M 2017/12 using calling, telephone credit/debit cards
• CPC Class Codes: H04M 2017/22 : with automatic recharging of account/card, e.g. if limit is reached during connection the account is recharged automatically
• CPC Class Codes: H04M 2017/24 : with on-line recharging of an account or card, e.g. cashless
• CPC Class Codes: H04M 2215/0176 : Billing arrangements using internet
• CPC Class Codes: H04M 2215/0196 : Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
• CPC Class Codes: H04M 2215/2026 : Wireless network, e.g. GSM, PCS, TACS
• CPC Class Codes: H04M 2215/32 : Involving wireless systems
• CPC Class Codes: H04M 2215/54 : Resellers-retail or service providers billing, e.g. agreements with telephone service operator, activation, charging/recharging of accounts
• CPC Class Codes: H04W 12/069 : using certificates or pre-shared keys
• CPC Class Codes: H04W 4/24 : Accounting or billing
• CPC Class Codes: H04W 88/02 : Terminal devices

Abstract

Systems and methods for obtaining a personal identification number (PIN) from a client terminal are disclosed. A method includes storing, at the client terminal, PINs for plural prepaid services. The method also includes receiving, at the client terminal, a request for a PIN associated with a desired prepaid service corresponding to one of the plural prepaid services. A PIN request is then sent, from the client terminal, to a server when less than a predefined number of PINs associated with the desired prepaid service are stored at the client terminal. In response, one or more PINs associated with the desired prepaid service are received at the client terminal. The method further includes dispensing at least one PIN corresponding to the desired prepaid service from the client terminal.

Claims

1. A method of providing a personal identification number (PIN) from a client terminal, comprising:

storing, at the client terminal, one or more PINs for plural prepaid products or services;

receiving, at the client terminal, a request for a PIN associated with a desired prepaid product or service associated with a prepaid service provider;

sending, from the client terminal, a PIN request to a server when the desired prepaid product or service does not correspond to one of the plural prepaid services;

receiving the PIN request at the server and obtaining an additional PIN from a PIN database;

sending the additional PIN from the server to the client terminal;

receiving, at the client terminal, the additional PIN; and

dispensing the additional PIN from the client terminal.

2. The method of claim 1 further including receiving and storing, at the client terminal and in response to the PIN request, a plurality of additional PINs associated with the desired prepaid product or service.

3. The method of claim 1 further including:

receiving, at the client terminal, a request for a PIN associated with an additional desired prepaid product or service corresponding to one of the plural prepaid services; and

dispensing, from the client terminal, at least one PIN associated with the additional desired prepaid product or service which is stored at the client terminal.

4. The method of claim 1 wherein no PINs are stored at the client terminal.

5. The method of claim 1 wherein the PIN is disposed for use in accessing pre-paid telephone service and the prepaid service provider is a telephone services provider.

6. The method of claim 1 wherein the PIN is disposed for use in purchasing a product.

7. The method of claim 1 further comprising:

transmitting to the client terminal data describing a plurality of available products or services;

providing, from the client terminal, a display of the plurality of available products; and

receiving, at the client terminal from a user of the client terminal, a selection of one or more of the available products or services.

8. The method of claim 1 further comprising:

transmitting to the client terminal data describing a plurality of provider names for the requested prepaid product or service;

providing, from the client terminal, a display of the plurality of provider names; and

receiving, at the client terminal from a user of the client terminal, a selection of one of the available provider names.

9. The method of claim 1 further comprising:

transmitting to the client terminal data describing a plurality of monetary denominations available for the requested provider;

providing, from the client terminal, a display of the plurality of monetary denominations; and

receiving, at the client terminal from a user of the client terminal, a selection of one of the available monetary denominations.

10. The method of claim 1 wherein a dealer remits a portion of the payment to an account associated with the server.

11. The method of claim 1 further including providing a printed receipt to a user of the client terminal wherein the printed receipt includes at least the one or more additional PINs.

12. A system for processing PIN transactions, comprising:

a plurality of client terminals, said client terminals including;

a processor;

a first interface disposed to receive a first request for a PIN associated with a first desired prepaid service and a second request for a PIN associated with a second desired prepaid service;

memory operatively coupled to the processor, the memory including instructions of an application program executed by the processor and caching at least a first requested PIN associated with the first desired prepaid service;

a dispensing mechanism through which is dispensed, under the control of the application program, the first requested PIN in response to the first request for a PIN; and

a second interface through which is transmitted, to a server, a PIN request generated by the application program when the application program determines that at least one PIN associated with the second desired prepaid service is not cached within the memory;

wherein the dispensing mechanism is further configured to dispense, under the control of the application program and in substantially real time relative to receipt of the second request for a PIN, a second requested PIN associated with the second desired prepaid service wherein the second requested PIN is received through the second interface; and

a server system communicatively coupled to the plurality of client terminals, said server system including;

one or more server computers, each of said one or more server computers having one or more server processors and one or more server memories; and

one or more PIN databases coupled to the one or more server computers, wherein said one or more PIN databases are configured to store one or more PINs for provision to the one or more client terminals.

13. The system of claim 12 wherein the one or more PIN databases include:

a plurality of sets of PINs associated with a corresponding plurality of prepaid services, and

a set of records wherein each of the records includes information identifying ones of said plurality of prepaid services for which one of the client terminals is disposed to store plural PINs;

14. The system of claim 12 wherein the one or more server memories include instructions for execution on the one or more server processors for sending, to a first of the client terminals from which a PIN request corresponding to one of the plurality of prepaid services is received, at least one PIN associated with the one of the plurality of prepaid services.

15. The system of claim 14 wherein the at least one PIN is sent in substantially real time relative to receipt of the PIN request.