System and Method for Securely Authorizing and Distributing Stored-Value Card Data
4 Assignments
0 Petitions
Accused Products
Abstract
A computerized system and method for securely authorizing and distributing stored-value card data over a communications network is provided. The method allows for storing in the database a plurality of records comprising stored-value card data for each stored-value card as well as information identifying a plurality of trusted sources of stored-value card activation requests and/or a plurality of trusted communications networks for transmitting stored-value card activation requests. A transmitting step allows for a requesting terminal to transmit over a communications network a request to change the status of a stored-value card. The central processor then determines whether the requesting terminal and/or the communications network is a trusted source. Based on whether the requesting terminal or communications network is a trusted source or trusted communications network, the request can be processed and the card can be activated. A method for establishing a list of trusted sources and trusted communications networks is also provided.
115 Citations
89 Claims
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1-60. -60. (canceled)
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61. A computer-implemented method for processing a stored-value card transaction request in a card data management system having a central processor in communication with a plurality of point-of-sale terminals over a communications network, each of the one or more terminals having a unique terminal identifier and being associated with a location and a prepaid card merchant, the central processor being in communication with a database having stored therein a plurality of card records, each card record containing data associated with a stored-value card distributed to a prepaid card merchant for further distribution to purchasers at a location controlled by the prepaid card merchant, the method comprising:
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receiving the stored-value card transaction request from a requesting terminal, the requesting terminal being one of the plurality of point-of-sale terminals, the transaction request comprising a requesting terminal identifier, a card identifier assigned to a stored value card, and information indicative of a requested transaction type; determining if the requesting terminal is authorized to request the requested transaction type for the stored value card; responsive to a determination that the requesting terminal is authorized to request the requested transaction type, initiating the requested transaction; and transmitting a request response to the requesting terminal. - View Dependent Claims (62, 63, 64, 65, 66, 67, 68, 69, 70, 71)
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72. A system for processing a request for a stored-value card transaction for a stored-value card, the transaction request being submitted by a retailer using a point-of-sale terminal that is one of a plurality of terminals capable of communicating over a network, each terminal having a unique terminal identifier and being associated with one of a plurality of merchants, the stored-value card transaction request comprising a unique card identifier for the particular stored value card, the terminal identifier of the point-of-sale terminal, and information indicative of a requested transaction type, the system comprising:
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a central processor in communication with the network, the central processor being adapted to receive the transaction request from the point-of-sale terminal; a database in communication with the central processor, the database having stored therein a plurality of stored-value card records, each comprising a unique card identifier associated with a stored-value card distributed to one of the plurality of merchants; an associating module in the central processor configured for associating, in the database, a set of authorized terminal identifiers with each stored-value card record; a transaction authorization module in the central processor configured for determining, based on information in the transaction request and the database, whether the requesting terminal is authorized to request the requested transaction type; and at least one transaction processing module in the central processor configured for processing the requested transaction responsive to a determination by the transaction authorization module that the requesting terminal is authorized to request the requested transaction type. - View Dependent Claims (73, 74, 75, 76, 77, 78)
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79. A computer program embodied in a computer-readable medium for processing a stored-value card transaction request in a card data management system having a central processor in communication with a plurality of point-of-sale terminals over a communications network, each of the one or more terminals having a unique terminal identifier and being associated with a location and a prepaid card merchant, the central processor being in communication with a database having stored therein a plurality of card records, each card record containing data associated with a stored-value card distributed to a prepaid card merchant for further distribution to purchasers at a location controlled by the prepaid card merchant, the computer program comprising instructions for performing a set of actions comprising:
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receiving the stored-value card transaction request from a requesting terminal, the requesting terminal being one of the plurality of point-of-sale terminals, the transaction request comprising a requesting terminal identifier, a card identifier assigned to a stored value card, and information indicative of a requested transaction type; determining if the requesting terminal is authorized to request the requested transaction type for the stored value card; responsive to a determination that the requesting terminal is authorized to request the requested transaction type, initiating the requested transaction; and transmitting a request response to the requesting terminal. - View Dependent Claims (80, 81, 82, 83, 84, 85, 86, 87, 88, 89)
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Specification