Intelligent transaction router and process for handling multi-product point of sale transactions
First Claim
1. A process for activating a point-of-sale activation (POSA) device, comprising the steps of:
- obtaining a point-of-sale activation (POSA) device, the POSA device having identification data stored thereon or therein;
obtaining by a reader the identification data of the obtained POSA device;
commencing by the reader a financial transaction by initiating a communication to communicate with a first processing entity capable of processing financial transactions;
routing, prior to when communication between the reader and the first processing entity is established, the communication to a second processing entity capable of activating the POSA device; and
communicating the identification data to the second processing entity to cause the POSA device to be activated.
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Accused Products
Abstract
A transaction router and corresponding process that enables the point-of-sale activation (POSA) of POSA type devices, such as POSA pre-paid gift cards, debit cards, telephone cards and cellular replenishment cards, while utilizing a standard credit card swipe terminal (reader). The transaction router, during use, receives the output of the reader and allows standard credit and debit card transactions to pass to the financial transaction processing entity that is called by the reader, to allow the financial transaction to be carried out. If the card or device being read by the reader is a POSA type device to be activated, then the router routes the communication initiated by the reader to another processing entity capable of activating the POSA device. The reader is unaware of the existence of the router and operates in its ordinary manner, whether standard credit and debit cards are being processed, or whether a POSA card or other POSA device is being activated. Increasing the value of a previously activated POSA card also may be carried out.
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Citations
28 Claims
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1. A process for activating a point-of-sale activation (POSA) device, comprising the steps of:
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obtaining a point-of-sale activation (POSA) device, the POSA device having identification data stored thereon or therein; obtaining by a reader the identification data of the obtained POSA device; commencing by the reader a financial transaction by initiating a communication to communicate with a first processing entity capable of processing financial transactions; routing, prior to when communication between the reader and the first processing entity is established, the communication to a second processing entity capable of activating the POSA device; and communicating the identification data to the second processing entity to cause the POSA device to be activated. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A process for activating a point-of-sale activation (POSA) device, comprising the steps of:
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obtaining a payment device, the payment device being one of a point-of-sale activated (POSA) device and a non-point-of-sale activated (non-POSA) device, the payment device having identification data stored thereon or therein; identifying the payment device as a POSA device or a non-POSA device;
obtaining by a reader the identification data of the obtained payment device;
commencing by the reader a financial transaction by initiating a communication tocommunicate with a first processing entity capable of processing financial transactions, the communication being supplied to a router distinct from the reader; allowing, by the router, the initiated communication to pass to the first processing entity if the payment device is identified as a non-POSA device; blocking, by the router, the initiated communication if the payment device is identified as a POSA device, and after blocking the initiated communication, carrying out the steps of receiving by the router the obtained identification data from the reader, and transmitting the obtained identification data from the router to a second processing entity to cause the second processing entity to activate the payment device as identified by the transmitted identification data. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28)
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Specification