Methods and apparatus for regenerating a prepaid transaction account

• US 5,991,748 A
• Filed: 12/06/1996
• Issued: 11/23/1999
• Est. Priority Date: 12/06/1996
• Status: Expired due to Term

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Taskett, John M.
• Primary Examiner(s): MacDonald, Allen R.
• Assistant Examiner(s): Jeanty, Romain
• Application Number:
  US08/760,896
• Time in Patent Office: 1,082 Days
• Field of Search: 705/34, 705/39, 705/40, 705/41, 705/42, 235/380, 235/381, 235/379, 235/487, 379/144, 379/130, 379/114, 379/112
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/3437 the counter having non-monetary units, e.g. trips
• CPC Class Codes: G06Q 20/349 Rechargeable cards
• CPC Class Codes: G06Q 20/3574 Multiple applications on card
• 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: G07F 17/0028 Use of a wired telephone or public communication device charging and metering the use of the telecommunication network H04M17/02
• CPC Class Codes: G07F 7/02 by keys or other credit registering devices
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
• 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 17/20 with provision for recharging the prepaid account or card, or for credit establishment

Abstract

An improved system for "regenerating" or adding funds to a prepaid, remote memory account. The system includes a service provider network or host computer system including an account database of prepaid accounts. An integrated transaction card is issued to a consumer. One side of the card shows a prepaid telephone card for accessing the host computer system and an authorization code that allows access to the account database. The other side of the integrated transaction card is a transaction instrument, such as a prepaid transaction card, credit card, debit card, or the like. Information relating to the transaction instrument is stored at the host system so that a consumer may transfer funds from the transaction instrument to the prepaid phone card without the host system having to prompt the consumer for the necessary transfer information.

Claims

1. A method for regenerating a prepaid phone card having an account balance, comprising the steps of:

providing an integrated transaction card having a prepaid phone card feature and a transaction instrument feature associated therewith;

electronically establishing a prepaid call session by connecting a calling party, using said prepaid phone card feature, with a host computer and a third party; and

,

transferring funds from said transaction instrument feature to said phone card feature during said prepaid call session.

2. The method of claim 1 further including the step of:

issuing a warning to said calling party when a first account associated with said prepaid phone card feature is one minute from reaching a fund value of zero.

3. The method of claim 1, wherein said transaction instrument feature comprises at least one of a debit card, a credit card, and a charge card, further including the step of:

validating said transaction instrument feature through the use of a PIN code corresponding to said transaction instrument feature.

4. The method of claim 3, wherein said transferring funds step comprises electronically transferring a predetermined amount of funds from a second account associated with said transaction instrument feature to said first account.

5. A method for regenerating a prepaid phone card (105) having a first account associated therewith, comprising the steps of:

electronically connecting a calling party, using an integrated transaction card (100), to a host computer (308) having a database wherein, said integrated transaction card (100) includes a prepaid phone card (105) feature and a transaction instrument (205) feature associated therewith;

transmitting an account number (209) and/or personal identification number from said calling party to said host computer (308);

transmitting from said calling party to said host computer indicia of an amount of funds to be transferred from a transaction instrument (205) account to said first account;

validating the account number (209) and/or personal identification number; and

,

transferring the amount of funds from said transaction instrument (205) account to said first account in response to said validating step during a prepaid call session.

6. The method of claim 5 wherein said validating step is performed by said host computer accessing information stored in the database corresponding to said transmitted account number.

7. The method of claim 6 wherein said integrated transaction card comprises at least one of a debit card, a credit card, and a prepaid transaction card.

8. The method of claim 6 wherein said information includes an identification number and an expiration date of said integrated transaction card.

9. The method of claim 6 further comprising the step of:

electronically connecting said calling party to a destination telephone number after said transferring step.

10. The method of claim 8 further comprising the step of:

storing said account number, personal identification number, and expiration date in said database prior to said connecting step.

11. The method of claim 6 further comprising the step of:

storing said account number and said personal identification number in said database prior to said connecting step.

12. An apparatus for regenerating a prepaid phone card (105) having an account balance comprising:

means for electronically connecting a calling party using an integrated transaction card (100) with a host computer (308) and a third party, wherein said integrated transaction card (100) includes a prepaid phone card (105) feature and a transaction instrument (205) feature associated therewith; and

,

means for transferring funds from the transaction instrument (205) to the phone card (105) during a prepaid call session.

13. The apparatus of claim 12 further including:

means for warning the calling party when the prepaid phone card is one minute from reaching a fund value of zero.

14. The apparatus of claim 12 further including:

means for validating the transaction instrument, wherein the transaction instrument is a debit card, a credit card, or a prepaid transaction card.

15. The apparatus of claim 12 wherein the transferring means transfers a predetermined amount of funds.

16. The apparatus of claim 13 or 14 wherein the warning means, validating means and transferring means is a host computer and the connecting means includes a keypad, an input/output modality, a local exchange carrier, a communications link and a plurality of incoming call trunk.

17. An apparatus for regenerating a prepaid phone card (105) having an account balance comprising;

means for electronically connecting a calling party using an integrated transaction card (100) to a host computer (308) having a database (310), wherein said integrated transaction card (100) includes a prepaid phone card (105) feature and a transaction instrument (205) feature associated therewith;

means for transmitting an account number (209) and/or personal identification number to the host computer (308);

means for requesting an amount of funds to be transferred from the transaction instrument (205) to the phone card (105);

means for validating the account number (209) and/or personal identification number; and

,

means for transferring the amount of funds from the transaction instrument (205) to the prepaid phone card during a prepaid call session (105).

18. The apparatus of claim 17 wherein the means for validating is a host computer capable of accessing information stored in a database corresponding to a transmitted account number.

19. The apparatus of claim 18 wherein the transaction instrument is a debit card, a credit card, or a prepaid transaction card.

20. The apparatus of claim 17 wherein the information includes an identification number and an expiration date of the transaction instrument.

21. The apparatus of claim 17 further comprising:

means for electronically connecting the calling party to a destination telephone number after the transferring step.

22. The apparatus of claim 17 further comprising:

means for storing the transaction instrument'"'"'s account number, personal identification number, and expiration date.

23. The apparatus of claim 22 wherein the storing means is a database.

24. A method for recharging a prepaid phone card (105) having an account balance comprising the steps of:

decrementing said account balance of said phone card (105) at appropriate intervals during the duration of a call connection between a calling party and a called party;

transferring funds to said phone card (105) from a transaction instrument (205) associated with said phone card (105) without requiring said calling party to identify said transaction instrument (205) during said call connection; and

updating said account balance of said phone card (105) during a prepaid call session in accordance with said transfer of funds.

25. An integrated transaction instrument having a first side and a second side comprising:

a prepaid telephone card on said first side comprising an access telephone number for accessing a prepaid telephone service provider and an authorization number for accessing an account database at said service provider;

a transaction card for purchasing various services or products on said second side; and

means for associating said transaction card with said telephone card so that funds may be transferred from said transaction card to said telephone card without requiring a user to enter a source of said funds.

26. A computer system for transferring funds between a transaction instrument (205) and a prepaid telephone card (105) comprising:

an incoming call trunk (410) for connecting to a calling party using said prepaid telephone card (105);

an outgoing call trunk for connecting said calling party to a desired telephone number;

an account database (310) for storing an account balance associated with said prepaid telephone card (105);

a memory (410) for storing data identifying said transaction instrument (205);

a central processing unit (406) configured to input from said calling party an amount of funds to transfer to said prepaid telephone card (105), retrieve from said memory data identifying said transaction instrument (205), transfer funds from said transaction instrument (205) to said prepaid telephone card (105) without requiring said calling party to identify said transaction instrument (205), and update said account balance of said prepaid telephone card (105) in accordance with said transfer of funds during a prepaid call session.

27. An article of manufacture comprising a computer useable medium having computer-readable program code means embodied therein for adding funds to a prepaid telephone card (105) having an account balance, the computer-readable program code means in said article of manufacture comprising:

means for transferring funds to said prepaid telephone card (105) from a transaction instrument (205) associated with said prepaid telephone card (105) without requiring a prepaid telephone card (105) user to identify said transaction instrument (205) at the time of said transfer of funds; and

means for updating said account balance of said prepaid telephone card (105) in accordance with said transfer of funds during a prepaid call sesion.