Point-of-distribution pre-paid card vending system

• US 6,169,975 B1
• Filed: 07/09/1997
• Issued: 01/02/2001
• Est. Priority Date: 07/09/1996
• Status: Expired due to Fees

• Current Assignee: LDC Direct Limited
• Original Assignee: LDC Direct Limited
• Inventors: White, James L., White, James A.
• Primary Examiner(s): Voeltz, Emanuel Todd
• Assistant Examiner(s): KALINOWSKI, ALEXANDER G
• Application Number:
  US08/890,245
• Time in Patent Office: 1,273 Days
• Field of Search: 705/43, 705/44, 705/39, 364/479, 364/479.01, 364/479.02, 364/479.03, 364/479.04, 364/479.05, 364/479.06, 364/479.07, 379/114, 235/379, 235/380, 235/381
• US Class Current: 705/44
• CPC Class Codes: G06K 17/00 Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
• CPC Class Codes: G06K 7/084 sensing magnetic material by relative movement detecting flux changes without altering its magnetised state
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• 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: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A novel system and process have been developed whereby a prepaid phone card, or any other similar inventory, may be easily and efficiently distributed at, for example, a point-of-sale. A computerized terminal including memory for storage is maintained at the point-of-distribution, or any other suitable location. The terminal'"'"'s memory is adapted to store one or more security numbers, such as PIN numbers, telephone numbers and/or other suitable information corresponding to the information needed by consumers to utilize the service. The terminal initially connects to a host computer system in order to download one or more PIN numbers, and the downloaded PIN numbers are thereafter stored in the terminal'"'"'s memory. The security codes, etc., may thereafter be dispensed by a user of the terminal onto cards, etc., without any need to connect to a host computer, and the terminal may be recharged with additional security codes, etc., only at a convenient time (e.g., at night). Detailed reporting may also be performed by the terminal, the host computer, or both. A mechanism for guiding the card into the terminal, as well as an assembly for securing an attached magnetic stripe reader may also be provided.

Claims

1. A system for point of sale dispensing of cards comprising:

(a) a host computer system; and

(b) a remote terminal device adapted to be selectively coupled to the host computer system via a communication link, the remote terminal device comprising;

(i) a terminal memory that stores a plurality of informational data sets;

(ii) a recording device that copies informational data sets from the terminal memory onto a substrate;

(iii) an input device, and

(iv) a processor programmed to execute the following steps;

(1) upon receipt of a pre-selected input from the input device, selecting a personal identification number from the terminal memory;

(2) causing the recording device to copy the selected personal identification number onto the substrate;

(3) flagging a memory location in the terminal memory to indicate that the selected personal identification number has been used; and

(4) upon a determination that a predetermined number of informational data sets in the terminal memory remain unflagged, replenishing the available informational data sets by performing the following substeps;

(A) initiating a communication between the remote terminal device and the host computer system via the communication link;

(B) indicating to the host computer system that the flagged informational data sets have been used;

(C) downloading a plurality of informational data sets from the host computer system into the terminal memory; and

(D) disconnecting the communication between the remote terminal device and the host computer system after the downloading substep.

2. The system of claim 1, wherein the substrate used by the recording device is a receipt.

3. The system of claim 1, wherein the recording device is a printer.

4. The system of claim 1, wherein the informational data sets comprise personal identification numbers.

5. The system of claim 1 wherein the input device is a keypad.

6. The system of claim 1, wherein the substrate used by the recording device is a card.

7. The system of claim 6, wherein the card is a pre-paid communication services card.

8. The system of claim 1, wherein the processor performs the additional step of

(5) storing transaction information associated with the selected personal identification number in the terminal memory.

9. The system of claim 8, wherein the processor performs the additional substep of:

(E) transmitting the transaction information associated with the flagged informational data sets to the host computer.

10. A system for point-of-distribution vending of cards comprising:

(a) a host computer system; and

(b) a remote terminal device adapted to be selectively coupled to the host computer system via a communication link, the remote terminal device comprising;

(i) a terminal memory that stores a plurality of informational data sets;

(ii) a recording device that copies informational data sets from the terminal memory onto a substrate;

(iii) an input device; and

(iv) a processor programmed to execute the following steps;

(1) upon receipt of a pre-selected input from the input device, selecting a personal identification number from the terminal memory;

(2) causing the recording device to copy the selected personal identification number onto the substrate;

(3) flagging a memory location in the terminal memory to indicate that the selected personal identification number has been used; and

(4) at a pre-specified time selected to minimize cost, replenishing the available informational data sets by performing the following substeps;

(A) initiating a communication between the remote terminal device and the host computer system via the communication link;

(B) indicating to the host computer system that the flagged informational data sets have been used;

(C) downloading a plurality of informational data sets from the host computer system into the terminal memory; and

(D) disconnecting the communication between the remote terminal device and the host computer system after the downloading substep.

11. The system of claim 10, wherein the substrate used by the recording device is a receipt.

12. The system of claim 10, wherein the recording device is a printer.

13. The system of claim 10, wherein the recording device is a magnetic stripe writer.

14. The system of claim 10, wherein the input device is a keypad.

15. The system of claim 10, wherein the substrate used by the recording device is a card.

16. The system of claim 15, wherein the card is a pre-paid telephone card.

17. The system of claim 10, wherein the processor performs the additional step of

(5) storing transaction information associated with the selected personal identification number in the terminal memory.

18. The system of claim 17, wherein the processor performs the additional substep of:

(E) transmitting the transaction information associated with the flagged informational data sets to the host computer.

19. A method for replenishing informational data sets in a terminal memory of a point-of-distribution card vending terminal comprising the steps of:

(a) determining the number of unused informational data sets remaining in the terminal memory; and

(b) upon determining that fewer than a predetermined number of informational data sets in the terminal memory remain unused, performing the following substeps;

(i) initiating a communication between the remote terminal device and a host computer system via a communication link;

(ii) indicating to the host computer system that the used informational data sets have been used;

(iii) downloading a plurality of informational data sets from the host computer system into the terminal memory; and

(iv) disconnecting the communication between the remote terminal device and the host computer system after the downloading substep.

20. A method for replenishing informational data sets in a terminal memory of a point-of-distribution card vending terminal comprising the steps of:

(a) assessing current time; and

(b) upon a determining that the current time meets a prespecified time selected to minimize cost, performing the following substeps;

(i) initiating a communication between the remote terminal device and a host computer system via a communication link;

(ii) indicating to the host computer system that the used informational data sets have been used;

(iii) downloading a plurality of informational data sets from the host computer system into the terminal memory; and

(iv) disconnecting the communication between the remote terminal device and the host computer system.