System and method for managing stored-value card data

• US 7,083,084 B2
• Filed: 04/11/2003
• Issued: 08/01/2006
• Est. Priority Date: 08/19/1999
• Status: Expired due to Term

• Current Assignee: e2Interactive Incorporated
• Original Assignee: e2Interactive Incorporated
• Inventors: Smith, Merrill Brooks, Graves, Phillip Craig
• Primary Examiner(s): Fureman, Jared J.
• Assistant Examiner(s): TRAIL, ALLYSON NEEL
• Application Number:
  US10/411,971
• Publication Number:
  US 20030205616A1
• Time in Patent Office: 1,208 Days
• Field of Search: 235/379, 235/380, 235/385, 235/381, 705/39, 705/40, 705/41, 705/77, 705/44
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• 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 20/28 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 20/343 Cards including a counter
• 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 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/122 Online card verification

Abstract

A computerized system and method for managing stored-value card data over a communications network between a plurality of terminals and a central processor is provided. Each of the terminals is accessible to respective users and is located in a respective location generally remote relative to the central processor. The stored-value card data is configured to securely process in real time stored-value cards transacted by respective users to enable charging prepaid stored-value services to a recipient of the transacted stored-value card. The method allows for providing a database coupled to the central processor. The method further allows for storing in the database a plurality of records comprising stored-value card data for each stored-value card. An associating step allows for associating in each stored record respective identifiers to uniquely match a respective stored-value card and a respective terminal. The associating step is enabled by assigning a “setup” card to the location and capturing the terminal information when a transaction utilizing that card is made. A transmitting step allows for transmitting a request of stored-value card activation to the central processor from a respective requesting terminal, the central processor configured to accept said activation request based on whether the associated identifiers for the stored-value card to be activated match identifiers actually transmitted by the requesting terminal for that stored-value card and terminal.

Claims

1. A computerized method for managing stored-value card data over a communications network between a plurality of terminals and a central processor, each of said terminals accessible to respective users and located in a respective location generally remote relative to the central processor, the stored-value card data configured to securely process stored value cards transacted by respective users to enable charging prepaid services and/or products to a recipient of the transacted stored-value card, the method comprising:

providing a database coupled to the central processor;

storing in the database a plurality of records comprising stored-value card data for each stored-value card;

processing respective identifiers of each terminal;

associating in each stored record the captured terminal identifiers to uniquely match a respective stored-value card and a respective terminal; and

transmitting a request of stored-value card activation to the central processor from a respective requesting terminal, the central processor configured to accept said activation request based on whether the associated identifiers for the stored-value card to be activated match identifiers actually transmitted by the requesting terminal for that stored-value card and terminal, thus preventing fraud in the activation of that stored-value card.

2. The computerized method of claim 1 wherein the captured identifiers comprise a respective electronic signature for each terminal.

3. The computerized method of claim 1 further comprising storing in the database a table indicative of a set of actions that a respective user may execute from a respective terminal.

4. The computerized method of claim 3 wherein the set of actions that may be executed by the respective user corresponds to a predefined hierarchy table stored in the database for that user.

5. The computerized method of claim 4 wherein one of the actions that may be executed by the respective user comprises stored-value card inventory management within a predefined group of locations.

6. The computerized method of claim 1 wherein each record stored in the database further includes a parameter indicative of a predefined amount corresponding to the a face value of each respective stored-value card.

7. The computerized method of claim 6 wherein the request for stored-value card activation enables to associate a monetary value for the card to be activated solely based on the parameter indicative of the predefined amount for that card.

8. The computerized method of claim 1 wherein each record stored in the database further includes a parameter indicative of predefined time units corresponding to the a face value of each respective stored-value card.

9. The computerized method of claim 8 wherein the request for stored-value card activation enables to associate a unit value for the card to be activated solely based on the parameter indicative of the predefined time units for that card.

10. The computerized method of claim 1 further comprising transmitting a request for incrementing a value associated with a respective stored-value card, said request transmitted to the central processor from a respective requesting terminal, the central processor configured to accept said increment request based on whether the respective identifiers stored in the record for the stored-value card whose associated value is to be incremented match identifiers actually transmitted by the requesting terminal for that stored-value card and terminal.

11. The computerized method of claim 10 wherein the incrementing request is solely based on multiples of a parameter stored in the record of that stored-value card, said parameter corresponding to the an original face value of the stored-value card.

12. The computerized method of claim 1 further comprising transmitting a request of stored-value card deactivation to the central processor from a respective requesting terminal, the central processor configured to accept said deactivation request based on whether the respective identifiers stored in the record for the stored-value card to be deactivated match identifiers actually transmitted by the requesting terminal for that stored-value card and terminal and that no usage of the card has occurred.

13. The computerized method of claim 1 further comprising selectively encoding requests for stored-value card activation, incrementing and/or deactivating based on a table of predefined codes stored in the database, the predefined codes being associated with respective user groups or locations.

14. The method of claim 1, further comprising generating reports of transmitted requests of stored-value card activation.

15. The method of claim 1, wherein the transmitted request of stored-value card activation from the terminal is first transmitted to a host bank before the request is transmitted to the central processor.

16. The method of claim 1 wherein the stored-value card enables long distance telephone communication.

17. The method of claim 1 wherein the stored-value card enables wireless communication.

18. The method of claim 1 wherein the stored-value card enables paging communication services.

19. The method of claim 1 wherein the stored-value card enables internet-enabled communication services.

20. The method of claim 1 wherein the stored-value card enables long distance telephone communication.

21. The method of claim 1 wherein the stored-value card enables wireless web access.

22. The method of claim 1 wherein the stored-value card is a gift card.

23. The method of claim 1 wherein the stored-value card is a prepaid gas card.

24. The method of claim 1 wherein the stored-value card is a prepaid grocery card.

25. The method of claim 1 wherein the stored-value card is a prepaid entertainment card.

26. The method of claim 1 wherein the stored-value card is a customer rewards card.

27. A computer-readable medium encoded with computer program code for managing stored-value card data over a communications network between a plurality of terminals and a central processor, each of said terminals accessible to respective users and located in a respective location generally remote relative to the central processor, the stored-value card data configured to securely process stored-value cards transacted by respective users to enable charging prep aid services and/or products to a recipient of the transacted stored-value card, the program code causing a computer to execute a method comprising:

controlling a database coupled to the central processor;

storing in the database a plurality of records comprising stored-value card data for each stored-value card;

associating in each stored record respective identifiers to uniquely match a respective stored-value card and a respective terminal, wherein the associating step comprises processing an identifier that has been assigned to that location, that identifier being processed through each terminal at that location to capture a respective electronic signature of each terminal;

defining in each stored record a parameter corresponding to the face value of each respective stored-value card;

processing a request of stored-value card activation to the central processor from a respective requesting terminal, the central processor configured to accept said activation request based on whether the associated identifiers for the stored-value card to be activated match identifiers actually transmitted by the requesting terminal for that stored-value card and terminal.

28. The computer-readable medium of claim 27 further comprising storing in the database table indicative of a set of actions that a respective user may execute from a respective terminal.

29. The computer-readable medium of claim 27 wherein the set of actions that may be executed by that respective user corresponds to a predefined hierarchy table stored in the database for that user.

30. A system for managing stored-value card data over a communications network between a plurality of terminals and a central processor, each of said terminals accessible to respective users and located in a respective location generally remote relative to the central processor, the stored-value card data configured to securely process stored-value cards transacted by respective users to enable charging prep aid services and/or products to a recipient of the transacted stored-value card, the system comprising:

a database coupled to the central processor;

a storage module configured to store in the database a plurality of records comprising stored-value card data for each stored-value card;

an associating module configured to associate in each stored record respective identifiers to uniquely match a respective stored-value card and a respective terminal;

a value module configured to define in each stored record a parameter corresponding to the face value of each respective stored-value card;

a first processing module configured to process a request of stored-value card activation to the central processor from a respective requesting terminal, the central processor configured to accept said activation request based on whether the associated identifiers for the stored-value card to be activated match identifiers actually transmitted by the requesting terminal for that stored-value card and terminal, wherein the request for stored-value card activation enables to associate a value for the card to be activated solely based on the parameter corresponding to the face value for that card, and wherein the first processing module is responsive to an identifier that has been assigned to that location, the identifier being processed through each terminal at that location to capture a respective electronic signature of each terminal;

a second processing module configured to process a request for incrementing the value associated with a respective stored-value card, said request transmitted to the central processor from a respective requesting terminal, the central processor configured to accept said increment request based on whether the respective identifiers stored in the record for the stored-value card whose associated value is to be incremented match identifiers actually transmitted by the requesting terminal for that stored-value card and terminal and wherein the incrementing request is solely based on multiples of the parameter corresponding to the face value of that stored-value card.

32. The computerized method of claim 30, wherein the predefined value is a face value of the stored-value card.

31. A computerized method for managing stored-value card data over a communications network between a plurality of terminals and a central processor, each of said terminals accessible to respective users and located in a respective location generally remote relative to the central processor, the stored-value card data configured to securely process stored value cards transacted by respective users to enable charging prepaid services and/or products to a recipient of the transacted stored-value card, the method comprising:

providing a database coupled to the central processor;

storing in the database a plurality of records comprising stored-value card data for each stored-value card;

processing respective identifiers of each terminal;

associating in each stored record the captured terminal identifiers to uniquely match a respective stored-value card and a respective terminal; and

transmitting a request of stored-value card activation to the central processor from a respective requesting terminal, the central processor configured to accept said activation request based on whether the associated identifiers for the stored-value card to be activated match identifiers actually transmitted by the requesting terminal for that stored-value card and terminal, thus preventing fraud in the activation of that stored-value card, wherein each stored-value card has a predefined value and is pre-associated with a single provider.

33. The computerized method of claim 31, wherein the predefined value is at least one of a time unit and an amount of currency.