System and Method for Using Intelligent Codes in Conjunction with Stored-Value Cards

• US 20140143089A1
• Filed: 11/20/2013
• Published: 05/22/2014
• Est. Priority Date: 11/20/2012
• Status: Active Grant

• Current Assignee: Blackhawk Network Incorporated (Albertsons Cos., Inc.)
• Original Assignee: Blackhawk Network Incorporated (Albertsons Cos., Inc.)
• Inventors: CAMPOS, Tomas Ariel, Flanagan, Patrick Ryan
• Granted Patent: US 10,970,714 B2
• Time in Patent Office: Days
• US Class Current: 705/26.8
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 30/0633 Lists, e.g. purchase orders, compilation or processing
• CPC Class Codes: G07F 9/001 Interfacing with vending machines using mobile or wearable devices

Abstract

A system and method of transacting a prepaid product with an electronic mobile device that is used to electronically interface with a code, such as a QR code, bar code, RF signal or NFC signal, representing a prepaid product. The codes of multiple prepaid products of multiple prepaid product providers are grouped together on a single structure or in a single computer displayed in a shopping area. The electronic mobile device subsequently electronically interfaces with a point of sale device after electronically interfacing with said code to provide prepaid product information.

Claims

1. A computer implemented method comprising:

receiving a request for an electronic stored-value card comprising an intelligent code;

receiving an purchase verification for the electronic stored-value card; and

providing the electronic stored-value card.

2. The method of claim 1, further comprising:

providing a barcode, an activation information, or both of the electronic-stored value card in response to the request for an electronic stored-value card;

3. The method of claim 1, further comprising:

receiving barcode information for the electronic stored-value card from a user device; and

associating the intelligent code with the barcode information.

4. The method of claim 1, further comprising:

establishing an electronic stored-value card shopping cart upon receipt of the intelligent code, wherein the electronic stored-value card is placed in the electronic stored-value card shopping cart.

5. The method of claim 4, further comprising:

pausing the electronic stored-value card shopping cart; and

unpausing the electronic stored-value card shopping cart.

6. The method of claim 1, further comprising adding the electronic stored-value card to an electronic wallet.

7. The method of claim 1, further comprising:

providing an electronic stored-value card exchange service for the electronic stored-value card.

8. A system comprising:

a computer device to receive a request for an electronic stored value card comprising an intelligent code, to receive a purchase verification for the electronic stored-value card, and to provide the electronic stored-value card.

9. The system of claim 8, the computer device to provide barcode information, an activation information, or both of the electronic-stored value card in response to the request for an electronic stored-value card.

10. The system of claim 8, the computer device to receive barcode information for the electronic stored-value card from a user device, and associate the intelligent code with the barcode information.

11. The system of claim 8, the computer device to establish an electronic stored-value card shopping cart upon receipt of the intelligent code, wherein the electronic stored-value card is placed in the electronic stored-value card shopping cart.

12. The system of claim 11, the computer device to pause the electronic stored-value card shopping cart and to unpause the electronic stored-value card shopping cart.

13. The system of claim 8, the computer device to add the electronic stored-value card to an electronic wallet.

14. The system of claim 8, the computer device to provide an electronic stored-value card exchange service for the electronic stored-value card.

15. A computer-implemented method comprising:

receiving intelligent code information for an intelligent code on a physical stored-value card;

requesting a security key associated with the physical stored-value card or security information for an electronic wallet; and

adding the electronic-stored value card to an electronic wallet.

16. The method of claim 15, wherein the intelligent code information comprises a URL, wherein the URL comprises a retailer identifier, a card number, and a PIN.

17. The method of claim 15, wherein the intelligent code is obtained by scanning a dynamic intelligent code on the front or back of the physical stored-value card.

18. The method of claim 15, further comprising:

receiving a security key for the physical stored-value card.

19. The method of claim 15, further comprising:

receiving the security information for the electronic wallet.

20. The method of claim 19, wherein the security information comprises login information for the electronic wallet.