Debit purchasing of stored value card for use by and/or delivery to others
First Claim
1. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
- determining a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and
creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about;
a) a stored value account number; and
b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount;
wherein the stored value account is usable for purchases from merchants or types of merchants designated by the issuer or a sponsor of the card and are affiliated with the transaction network;
issuing a stored value card associated with the stored value account; and
activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
or (2) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
5 Assignments
0 Petitions
Accused Products
Abstract
A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.
501 Citations
115 Claims
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1. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable for purchases from merchants or types of merchants designated by the issuer or a sponsor of the card and are affiliated with the transaction network; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
or (2) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 106, 107)
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25. A computer-implemented method for an issuer to issue a stored value card as a rebate amount, wherein the stored value card is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining a rebate amount based upon one or more purchases made by a purchaser using cash or a credit card associated with a sponsor, wherein the rebate amount comprises a monetary amount that may be used to make purchases; creating in a computer database a stored value card account, the stored value card account having a purchase value based on said rebate amount, wherein the stored value card account comprises information about; a) a card holder'"'"'s name; b) a stored value card account number; and c) a stored value card purchase amount, wherein the stored value card purchase amount initially comprises the rebate amount; receiving a request for a stored value card associated with the stored value account; issuing the stored value card, wherein the stored value card is marked with at least one of transaction network identification inimical associated with the transaction network, issuer identification inimical associated with the issuer, and sponsor identification inimical associated with the sponsor, and wherein the stored value card is usable for purchases from any merchant that is part of a set of merchants designated by the issuer or the sponsor of the card; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
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26. A computer-implemented method for an issuer to issue a stored value card as a rebate amount, wherein the stored value card is usable with a sponsor and entities affiliated with the sponsor, the method comprising:
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determining a rebate amount based upon one or more purchases made by a purchaser using cash or a credit card associated with a sponsor, wherein the rebate amount comprises a monetary amount that may be used to make purchases; creating in a computer database an stored value card account, the stored value card account having a purchase value based on said rebate amount, wherein the stored value card account comprises information about; a) a stored value card account number; and b) a stored value card purchase amount, wherein the stored value card purchase amount initially comprises the rebate amount; issuing the stored value card, wherein the stored value card is marked with at least one of transaction network identification inimical associated with the transaction network, issuer identification inimical associated with the issuer, and sponsor identification inimical associated with the sponsor, and wherein the stored value card is usable for purchases from any merchant that is associated with the transaction network and which is part of a set of merchants designated by the issuer or a sponsor of the card; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
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27. A computer-implemented method for an issuer to issue a stored value card as a rebate amount, wherein the stored value card is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining a rebate amount based upon one or more purchases made using cash or a first card instrument of a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; creating in a computer database an stored value card account, the stored value card account having a purchase value based on said rebate amount, wherein the stored value card account comprises information about; a) a card holder'"'"'s name; b) a stored value card account number; and c) a stored value card purchase amount, wherein the stored value card purchase amount initially comprises the rebate amount; and issuing the stored value card, wherein the stored value card is marked with the card holder'"'"'s name at the time of issuance and at least one of transaction network identification inimical associated with the transaction network and issuer identification inimical associated with the issuer, and wherein the stored value card is usable for purchases at merchants affiliated with the transaction network and which have been designated by the issuer or a sponsor of the stored value card; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
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28. A computer-implemented system for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the system comprising:
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a processor for determining a rebate amount based upon one or more purchases made by a purchaser. wherein the rebate amount comprises a monetary amount that may be used to make purchases; a processor for creating in a computer database an stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value card account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable for purchases from any merchant of a set of designated merchants affiliated with the transaction network; and a processor for activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card. - View Dependent Claims (29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52)
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53. A computer-implemented system for an issuer to issue a stored value card as a rebate amount, wherein the stored value card is affiliated with a predetermined transaction network and the issuer, the system comprising:
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a processor for determining a rebate amount based upon one or more purchases made by a purchaser using cash or a credit card associated with a sponsor, wherein the rebate amount comprises a monetary amount that may be used to make purchases a processor for creating in a computer database an independent stored value card account, the stored value card account having a purchase value based on said rebate amount, wherein the independent stored value card account comprises information about; a) a card holder'"'"'s name; b) a stored value card account number; and c) a stored value card purchase amount, wherein the stored value card purchase amount initially comprises the rebate amount; a processor for receiving a request for a stored value card associated with the stored value account; and a processor for issuing the stored value card, wherein the stored value card is marked with at least one of transaction network identification inimical associated with the transaction network, issuer identification inimical associated with the issuer, and sponsor identification inimical associated with the sponsor, and wherein the stored value card is usable for purchases only from merchants affiliated with the sponsor or which are part of a set of eligible merchants designated by the issuer or sponsor of the stored value card; and a processor for activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
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54. A computer-implemented system for an issuer to issue a stored value card as a rebate amount, wherein the stored value card is usable with a sponsor, the system comprising:
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a processor for determining a rebate amount based upon one or more purchases made by a purchaser using cash or a credit card associated with a sponsor. wherein the rebate amount comprises a monetary amount that may be used to make purchases; a processor for creating in a computer database an stored value card account, the stored value card having a purchase value based on said rebate amount, wherein the stored value card account comprises information about; a) a stored value card account number; and b) a stored value card purchase amount, wherein the stored value card purchase amount initially comprises the rebate amount; a processor for issuing the stored value card, wherein the stored value card is marked with at least one of transaction network identification inimical associated with the transaction network, issuer identification inimical associated with the issuer, and sponsor identification inimical associated with the sponsor, and wherein the stored value card is usable for purchases only from merchants affiliated with the sponsor or the transaction network; and a processor for activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
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55. A computer-implemented system for an issuer to issue a stored value card as a rebate amount, wherein the stored value card is affiliated with a predetermined transaction network and the issuer, the system comprising:
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a processor for determining a rebate amount based upon one or more purchases made using cash or a first card instrument of a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; a processor for creating in a computer database an stored value card account, the stored value card having a purchase value based on said rebate amount, wherein the stored value card account comprises information about; a) a card holder'"'"'s name; b) a stored value card account number; and c) a stored value card purchase amount, wherein the stored value card purchase amount initially comprises the rebate amount; a processor for issuing the stored value card, wherein the stored value card is marked with the card holder'"'"'s name before issuance and at least one of transaction network identification inimical associated with the transaction network and issuer identification inimical associated with the issuer, and wherein the stored value card is usable for purchases from any merchant or type of merchant that is designated by the issuer or sponsor and that is affiliated with the transaction network. a processor for activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
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56. A computer-implemented system for an issuer to create a stored value account as a rebate amount, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the system comprising:
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a rebate-calculating processor for determining a rebate amount based upon one or more purchases made by a purchaser. wherein the rebate amount comprises a monetary amount that may be used to make purchases; a computer storage system for storing an account file containing information about an stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value card account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable for purchases from merchants or types of merchants that are designated by the issuer or a sponsor; and a processor for activating the stored value account or a stored value card associated therewith upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card. - View Dependent Claims (57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70)
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71. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining a rebate amount based upon one or more purchases made by a purchaser using cash or a credit card, wherein the rebate amount comprises a monetary amount that may be used to make purchases; creating in a computer database an stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value card account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the purchase amount initially comprises the rebate amount; c) a cardholder'"'"'s name; issuing a stored value card associated with the stored value account to a recipient designated by the purchaser, wherein the stored value card is marked with at least one of transaction network identification indicia associated with the transaction network and issuer identification indicia associated with the issuer, wherein the stored value account is usable for purchases from merchants or types of merchants that have been designated by the issuer or a sponsor or merchant; receiving notification that the stored value card has been received; and activating the stored value card based on the notification, the first use of the stored value account or card by the purchaser or intended recipient;
or upon establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
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72. A computer-implemented method for an issuer to create a stored value account as a reward, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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receiving a reward amount based upon one or more purchases made by a purchaser, wherein the reward amount comprises a monetary amount that may be used to make purchases; and creating in a computer database an stored value account, the stored value account having a purchase value based on said reward amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the reward amount, wherein the stored value account is usable for purchases; and activating the stored value account upon;
(1) receipt of notification that a stored value card associated with the stored value account has been received by the purchaser or an intended recipient;
(2) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card. - View Dependent Claims (73, 74)
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75. A computer-implemented method for an issuer to create a stored value account as a reward, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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creating in a computer database a stored value account, the stored value account having a purchase value based on a reward amount, wherein the reward amount is a monetary amount and is based upon one or more purchases made by a purchaser, and wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the reward amount, and activating the stored value account upon;
(1) receipt of notification that a stored value card associated with the stored value account has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card;wherein the stored value account is usable for purchases from merchants or types of merchants designated by the issuer or a sponsor or merchant.
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76. A computer-implemented method for an issuer to create a stored value card as a reward, wherein the stored value card is affiliated with a predetermined transaction network and the issuer, the method comprising:
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receiving a reward amount based upon one or more purchases made by a purchaser, wherein the reward amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account associated with the stored value card, the stored value account having a purchase value based on said reward amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the reward amount, and wherein the stored value card is usable for purchases from any merchant or type of merchant designated by the issuer or a sponsor or merchant; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card. - View Dependent Claims (77)
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78. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable for purchases at multiple merchants designated by the issuer or the sponsor or merchant and are affiliated with the transaction network; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
or (2) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card. - View Dependent Claims (108)
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79. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable for purchases at multiple merchants or types of merchants designated by the issuer or the sponsor or merchant and are affiliated with the transaction network; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
or (2) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
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80. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable for purchases from merchants designated by the purchaser of the card and are affiliated with the transaction network; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
or (2) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
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81. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; selecting or receiving from the sponsor or merchant or purchaser designated entities affiliated with a particular network, wherein the stored value account may be used for purchases at the designated entities; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
or (2) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card. - View Dependent Claims (82, 83)
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84. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; selecting or receiving from the sponsor or merchant or purchaser designated merchants that operate on a particular network, wherein the stored value account may be used for purchases at the designated merchants; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
or (2) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card. - View Dependent Claims (85, 86)
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87. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable for purchases from all merchants that are affiliated with the transaction network, except those merchants or types of merchants that are designated by the issuer, the sponsor or merchant or the purchaser; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
or (2) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card. - View Dependent Claims (109)
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88. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable for purchases from all entities or types of entities that are affiliated with the transaction network, except those entities or types of entities that are designated by the issuer, the sponsor or merchant or the purchaser; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
or (2) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card. - View Dependent Claims (110)
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89. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable to purchase goods or services or types of goods or services from all merchants or types of merchants that are affiliated with the transaction network, except those goods or services or types of goods or services or those merchants or types of merchants that are excluded by the issuer, the sponsor or merchant or the purchaser; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
or (2) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card. - View Dependent Claims (111)
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90. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable to purchase goods or services or types of goods or services from all entities or types of entities that are affiliated with the transaction network, except those goods or services or types of goods or services or entities or types of entities that are excluded by the issuer, the sponsor or merchant or purchaser; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
or (2) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card. - View Dependent Claims (112)
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91. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable for purchases from merchants or types of merchants designated by the issuer or a sponsor or merchant and are affiliated with the transaction network; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
or (2) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
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92. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable for purchases at multiple merchants designated by the issuer or the sponsor or merchant of the card and are affiliated with the transaction network; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
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93. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable for purchases at multiple merchants or types of merchants designated by the issuer or the sponsor or merchant and are affiliated with the transaction network; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
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94. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable for purchases from merchants designated by the purchaser of the card and are affiliated with the transaction network; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
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95. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; selecting or receiving from the sponsor or merchant or the purchaser designated entities affiliated with a particular network, wherein the stored value account may be used for purchases at the designated entities; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card. - View Dependent Claims (96, 97)
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98. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; selecting or receiving from the sponsor or merchant or the purchaser designated merchants that operate on a particular network, wherein the stored value account may be used for purchases at the designated merchants; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card. - View Dependent Claims (99, 100)
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101. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable for purchases from all merchants that are affiliated with the transaction network, except those merchants or types of merchants that are excluded by the issuer, the sponsor or merchant or the purchaser; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
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102. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable for purchases from all entities or types of entities that are affiliated with the transaction network, except those entities or types of entities that are excluded by the issuer, the sponsor or merchant or the purchaser; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
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103. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable to purchase goods or services or types of goods or services from all merchants or types of merchants that are affiliated with the transaction network, except those goods or services or types of goods or services or those merchants or types of merchants that are excluded by the issuer, the sponsor or merchant or the purchaser; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
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104. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable to purchase goods or services or types of goods or services from all entities or types of entities that are affiliated with the transaction network, except those goods or services or types of goods or services or entities or types of entities that are excluded by the issuer, the sponsor or merchant or the purchaser; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
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105. A computer-implemented method for an issuer to create a stored value account as a rebate award, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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determining or receiving from a sponsor or merchant a rebate amount based upon one or more purchases made by a purchaser, wherein the rebate amount comprises a monetary amount that may be used to make purchases; and creating in a computer database a stored value account, the stored value account having a purchase value based on said rebate amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the rebate amount; wherein the stored value account is usable for purchases from merchants or types of merchants designated by the issuer or the sponsor or merchant and are affiliated with the transaction network; issuing a stored value card associated with the stored value account; and activating the stored value account or card upon;
(1) receipt of notification that the stored value card has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card.
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113. A computer-implemented method for an issuer to create a stored value account as a reward, wherein the stored value account is affiliated with a predetermined transaction network and the issuer, the method comprising:
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receiving a reward amount based upon one or more purchases made by a purchaser, wherein the reward amount comprises a monetary amount that may be used to make purchases; and creating in a computer database an stored value account, the stored value account having a purchase value based on said reward amount, wherein the stored value account comprises information about; a) a stored value account number; and b) a stored value purchase amount, wherein the stored value purchase amount initially comprises the reward amount, wherein the stored value account is usable for purchases; and activating the stored value account upon;
(1) receipt of notification that a stored value card associated with the stored value account has been received by the purchaser or an intended recipient;
(2) first use of the stored value account or card by the purchaser or intended recipient;
or (3) establishing the name or verifying the identity of the purchaser or the intended recipient of the stored value card. - View Dependent Claims (114, 115)
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Specification