Systems and methods for managing and using prepaid purchasing accounts

• US 7,600,692 B2
• Filed: 01/18/2006
• Issued: 10/13/2009
• Est. Priority Date: 02/26/2004
• Status: Active Grant

• Current Assignee: Ifuel LLC
• Original Assignee: Kristen Call, William Call
• Inventors: Call, Kristen, Call, William
• Primary Examiner(s): Labaze; Edwyn
• Application Number:
  US11/333,956
• Publication Number:
  US 20060175396A1
• Time in Patent Office: 1,364 Days
• Field of Search: 235/483, 235/379, 235/375, 235/380, 235/381, 235/487, 705/39, 705/44, 705 72- 79, 705/69
• US Class Current: 235/483
• CPC Class Codes: G06Q 10/00 Administration; Management
• 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 20/3678 e-cash details, e.g. blinded, divisible or detecting double spending
• CPC Class Codes: G06Q 30/00 Commerce

Abstract

The present invention extends to managing prepaid purchasing accounts and depositing funds therein. A kiosk and management system are connected over a network. The management system maintains purchasing accounts usable for multiple product or service purchases. To make a deposit, the consumer enters credentials at the kiosk, the credentials identifying a purchasing account. The consumer selects a payment method for making the deposit. For one or more payment methods (e.g., electronic check payment), the consumer selects a method to guarantee the deposit. The consumer also enters a deposit amount which is verified. Cash payments may be verified by an automated cash acceptor or a retail attendant. Credit card or debit card payments may be accepted by a card authorization network. Embodiments of the system also include debiting the purchasing account by a purchase amount. In addition, the purchasing account can be managed to view prior deposits and purchases.

Claims

1. At a retail kiosk that is network connectable to a purchasing account management system, the retail kiosk located at a retail location for use in purchasing items at the retail location, the purchasing account management system located separately from the retail location, the retail location having a retail account managed by the purchasing account management system, the purchasing account management system configured to electronically communicate with the retail kiosk via network communication, a method for purchasing items at the retail location, the method comprising:

an act of the retail kiosk receiving account credentials corresponding to a registered user purchasing account for a registered user of the separately located purchasing account management system, the registered user purchasing account having an account balance representing funds from previously cleared deposit transactions submitted to the separately located purchasing account management system, the previously cleared deposit transactions electronically depositing funds into the registered user purchasing account, the account balance indicating previously cleared funds allocated for direct transfer to other accounts within the separately located purchasing account management system to minimize the risks associated with settling transactions for the purchase of items without reference to external authorization or banking networks;

an act of the retail location submitting the received account credentials to the separately located purchasing account management system;

an act of the retail location receiving the account balance for the registered user purchasing account from the separately located purchasing account management system, the separately located purchasing account management system handling purchases for a variety of different, geographically remote retail locations, reception of the account balance indicating to the retail location that the registered user has an account with the purchasing account management system such that payment for purchased items is to be made from previously cleared funds so as to thereby further indicate to the retail location the minimized risk associated with settling transactions involving the registered user;

an act of configuring the retail kiosk to permit a user transaction to purchase items from the retail location based on the account balance for the registered user purchasing account;

an act of the retail kiosk calculating a total cost for one or more items, including a last item, that are to be purchased, including;

an act of receiving an indication of the cost of an item; and

an act of adding the cost of the item to the total cost for the one or more items;

an act of detecting that a received indication of the cost of an item is the cost of the last item; and

an act of the retail kiosk sending an electronic message to the separately located purchasing account management system to clear the transaction for purchasing the one or more items in response to detecting the last item, the electronic message indicating that the calculated total cost is to be debited from the balance of the registered user purchasing account and the calculated total cost is to be credited to the balance of the retail account, the electronic message indicating that previously cleared funds are to be transferred between accounts under the control of the purchasing account management system such that the transaction for purchasing the one or more items is cleared electronically and internally within the purchasing account management system without reference to any external authorization or banking networks.

2. The method as recited in claim 1, further comprising:

an act of receiving an indicator representative of a deposit amount to be credited to the registered user purchasing account; and

an act of verifying the amount to be deposited to the registered user purchasing account.

3. The method as recited in claim 2, further comprising:

an act of receiving a guarantee for guaranteeing payment of the deposit amount.

4. The method as recited in claim 3, wherein the act of receiving a guarantee for guaranteeing payment of the deposit amount includes guaranteeing payment against a credit card.

5. The method as recited in claim 3, wherein the act of receiving a guarantee for guaranteeing payment of the deposit amount includes delaying availability of funds until an electronic check clears.

6. The method as recited in claim 3, wherein the act of receiving a guarantee for guaranteeing payment of the deposit amount includes guaranteeing the deposit amount against an interest bearing account.

7. The method as recited in claim 3, wherein the act of receiving a guarantee for guaranteeing payment of the deposit amount includes obtaining a third party verification.

8. The method as recited in claim 3, wherein the act of receiving a guarantee for guaranteeing payment of the deposit amount includes accessing a credit status of the purchasing account.

9. The method as recited in claim 2, further comprising:

an act of receiving a payment type from a consumer, the payment type indicating a method for receiving the deposit amount.

10. The method as recited in claim 9, wherein the user selects the type from a group consisting of:

cash, credit card, debit card, paper check, and electronic check.

11. The method as recited in claim 10, wherein the act of sending a credit message to the account management system comprises an act of sending the credit message to a network address corresponding to the account management system, such that the credit message is transferred across the Internet.

12. The method as recited in claim 1, wherein the act of verifying the amount to be deposited comprises an act of at least one of receiving a verification from an attendant and receiving acknowledgement of receipt of the deposit amount.

13. The method as recited in claim 12, wherein the attendant verification is received in response to the attendant receiving a payment in the amount to be credited to the deposit account.

14. The method as recited in claim 1, wherein the act of receiving account credentials comprises an act of receiving a user-id and password.

15. The method as recited in claim 1, wherein the act of receiving account credentials includes an act of receiving at least one biometric indicator.

16. The method as recited in claim 1, wherein the registered user purchasing account has at least one photographic indicator stored therein.

17. The method as recited in claim 1, further comprising:

an act of creating the registered user purchasing account and the account credentials corresponding to the registered user purchasing account.

18. At a purchasing account management system that is network connectable to one or more computer systems, the one or more computer systems including one or more separately located retail kiosks, each retail kiosk controlling transactions for the purchase of items at a corresponding retail location, the purchasing account management system configured to electronically communicate with the one or more separately located retail kiosks via network communication, a method for clearing a transaction for the purchase items at a retail location, the retail location haying a retail account managed by the purchasing account management system, the method comprising:

an act of the purchasing account management system receiving account credentials from a retail kiosk at a retail location, the account credentials indicative of an intent to initiate a transaction for purchasing one or more items at the retail location;

an act of the purchasing account management system identifying a registered user purchasing account assigned to the received account credentials, the registered user purchasing account previously registered to a registered user of the purchasing account management system, the registered user purchasing account having an account balance representing funds from previously cleared deposit transactions submitted to the purchasing account management system, the previously cleared deposit transactions electronically depositing funds into the registered user purchasing account, the account balance indicating funds available within the purchasing account management system to significantly reduce the risks associated with settling transactions for the purchase of items at the one or more separately located retail locations without reference to external authorization or banking networks;

an act of the purchasing account management system accessing account information for the registered user purchasing account from an account database;

an act of the purchasing account management system sending at least an account balance for the registered user purchasing account to the retail kiosk at the retail location, the account balance indicating to the retail location that the registered user has an account with the purchasing account management system such that payment for purchased items is to be made from previously cleared funds so as to further thereby indicate to the retail location the minimized risk associated with settling transactions involving the registered user;

an act of purchasing account management system receiving an electronic message from the retail kiosk, the electronic message indicating a total cost of a transaction for purchasing one or more items at the retail location, the electronic message also indicating that the purchase was made against the balance of the registered user purchasing account; and

in response to receiving the electronic message, an act of the purchasing account management system debiting the total cost from the account balance of the registered user purchasing account and crediting the total cost to the balance of the retail account so as to transfer funds between accounts under the control of the purchasing account management system such that the transaction for purchasing the one or more items is cleared electronically and internally within the purchasing account management system and the transaction is cleared without reference to any external authorization or banking networks.

19. The method as recited in claim 18, wherein the computer system is a kiosk.

20. The method as recited in claim 18, wherein the act of receiving an electronic message is performed in response to an attendant at a retail location receiving a cash payment.

21. The method as recited in claim 18, wherein the act of receiving an electronic message is performed in response to a consumer selecting a deposit type selected from a group consisting of:

electronic check, credit card, and debit card.

22. The method as recited in claim 18, wherein the electronic message is received from the computer system over the Internet.

23. The method as recited in claim 18, further comprising:

an act of receiving a request for account information corresponding to the registered user purchasing account; and

an act of providing account history information to a user, the account history providing a history of multiple forms of payment.

24. The method as recited in claim 23, wherein the account history provides categorized purchase information, the purchase information including at least:

purchase date, purchase location, purchase amount, and one or more of a group consisting of;

items purchased and quantity purchased.

25. The method as recited in claim 24, wherein the act of crediting the registered user purchasing account makes funds almost immediately available to the consumer, while the computer system guarantees payment of the deposit amount.

26. At a retail kiosk that is network connectable to a purchasing account management system, the retail kiosk located at a retail location for use in purchasing items at the retail location, the purchasing account management system located separately from the retail location, the retail location having a retail account managed by the purchasing account management system, the purchasing account management system configured to remotely monitor and maintain contact with the retail kiosk via network communication, a method for purchasing products at the retail location, the method comprising:

an act of the retail kiosk receiving account credentials corresponding to a user purchasing account for a registered user of the separately located purchasing account management system, the user purchasing account having an account balance representing funds from previously cleared deposit transactions submitted to the separately located purchasing account management system, the previously cleared deposit transactions electronically depositing funds into the user purchasing account, the account balance indicating funds allocated for direct transfer to other accounts within the separately located purchasing account management system to minimize the risks associated with settling transactions for the purchase of items at retail locations without reference to external financial networks;

an act of the retail location submitting the received account credentials for the registered user purchasing account to the separately located purchasing account management system;

an act of the retail location receiving the account balance for the user purchasing account from the purchasing account management system, the separately located purchasing account management system handling item purchases for a variety of different, geographically remote retail locations, reception of the account balance indicating to the retail location that the registered user has a user purchasing account with the purchasing account management system such that payment for purchased items is to be made from previously cleared funds so as to thereby further indicate to the retail location the minimized risk associated with settling transactions involving the registered user;

an act of configuring the retail kiosk to permit a user transaction to purchase one or more items from the retail location based on the account balance for the registered user purchasing account;

an act of receiving monitoring from the separately located purchasing account management system to monitor the user transaction in essentially real time to assure that the account balance is sufficient to pay for each item as each item is included in the transaction so as to prevent the account balance from going below a limit;

an act of receiving an indication that the transaction is complete, the indication being either an indication from the user account management system that the account balance has reached the limit or an indication from the kiosk that all of the one or more items is included in the transaction;

an act of calculating the total cost of the items included in the transaction; and

an act of sending a debit message to the separately located purchasing account management system in response to and upon completion of the transaction, the debit message sent to directly debit the total cost of the items from the account balance of the user purchasing account by transferring the total cost out of the user purchasing account to settle the transaction for the purchase of the one or more items, without reference to any other external authorization networks.

27. The method as recited in claim 26, wherein the act of configuring the retail kiosk to permit a user transaction to purchase one or more items from the retail location comprises an act of configuring the retail kiosk to scan items, and further comprising:

an act of submitting a payment to the purchasing management system prior to configuring the kiosk assembly to scan items, the amount of the payment being large enough to cover the price of a plurality of scanned items; and

an act of receiving an indication that the payment was credited to the purchasing account.

28. The method as recited in claim 27, wherein the act of submitting a payment to the purchasing management system comprises an act of submitting one of a credit card number, a debit card, an electronic funds transfer, and a cash payment to the purchasing management system.

29. The method as recited in claim 27, further comprising:

an act of receiving a touch screen selection indicating that payment for one or more scanned items is to be debited from the user purchasing account prior to receiving the account credentials.

30. The method as recited in claim 26, wherein the act of receiving account credentials corresponding to a user purchasing account comprises an act of receiving an account holder identifier.

31. The method as recited in claim 26, wherein the act of submitting the account credentials to the purchasing management system comprises an act of sending the credentials to a network address corresponding to the purchasing management system such that the credentials are transferred across the Internet to the purchasing management system.

32. The method as recited in claim 26, wherein the act of receiving an account balance for the user purchasing account from the purchasing management system comprises an act of receiving an electronic message that was transferred over the Internet to the kiosk assembly.

33. The method as recited in claim 26, wherein the act of sending a debit message to the purchasing management system comprises an act of sending the debit message to a network address corresponding to the purchasing management system such that the debit message is transferred across the Internet to the purchasing management system.

34. The method as recited in claim 26, further comprising:

an act of submitting a request for account information corresponding to the user purchasing account;

an act of receiving account information for the user purchasing account from the purchasing management system; and

an act of presenting the account information at a user-interface.

35. At a purchasing account management system that is network connectable to one or more retail kiosks, the one or more retail kiosks separately located from the purchasing account management system, each retail kiosk controlling the purchase of items at a retail location, the purchasing account management system configured to remotely monitor and maintain contact with retail kiosks at a plurality of different retail locations via network communication, a method for clearing a transaction for the purchase items at a retail location, the method comprising:

an act of the purchasing account management system receiving account credentials from a retail kiosk at a retail location, the account credentials being indicative of an attempt to purchase items against the balance of a purchasing account;

an act of the purchasing account management system identifying a corresponding purchasing account assigned to the received account credentials, the user purchasing account previously registered to a registered user of the purchasing account management system, the user purchasing account having an account balance representing funds from previously cleared deposit transactions submitted to the purchasing account management system, the previously cleared deposit transactions electronically depositing funds into the user purchasing account, the account balance indicating funds available within the purchasing account management system to significantly reduce the risks associated with settling transactions for the purchase of items at the plurality of different retail locations without reference to external financial networks;

an act of accessing purchasing account information for the user purchasing account from an account database;

an act of sending at least an account balance for the user purchasing account to the retail kiosk the account balance indicating to the retail location that the registered user has a user purchasing account with purchasing account management system such that payment for purchased items is to be made from previously cleared funds so as to further thereby indicate to the retail location the minimized risk associated with settling transactions involving the registered user;

an act of the purchasing account management system monitoring the purchasing of items at the retail location in essentially real time to assure that the account balance is sufficient to pay for the items as the items are included in a transaction so as to prevent the account balance from going below a limit;

if the account balance reaches the limit;

an act of sending an indication to the retail location that the transaction is complete;

an act of purchasing account management system receiving a debit message from the retail kiosk in response to and upon completion of the transaction, the debit message for debiting a total cost of the items included in the transaction from the account balance of the user purchasing account; and

an act of debiting the total cost of the items from user purchasing account in response to receiving the debit message by transferring the total cost out of the user purchasing account to settle the transaction for the purchase of the items, without reference to any external financial networks, wherein the purchasing account management system is configured to debit the user purchasing account for purchases made at any of a variety of different, geographically remote retail locations.

36. The method as recited in claim 35, further comprising:

an act of receiving a payment from a computer system, the amount of the payment being large enough to cover the price of one or more item purchases; and

an act of crediting the user purchasing account by the amount of the payment.

37. The method as recited in claim 36, wherein the act of receiving a payment from a computer system comprises an act of receiving a payment from a kiosk assembly.

38. The method as recited in claim 36, wherein the act of receiving a payment from a computer system comprises an act of receiving a transfer of funds from a second user purchasing account managed by the purchasing account management system.

39. The method as recited in claim 35, wherein the act of receiving account credentials from a kiosk assembly comprises an act of receiving an electronic message, containing the account credentials, that was transferred over the Internet.

40. The method as recited in claim 35, wherein the act of receiving account credentials from a retail kiosk comprises an act of receiving an account holder identifier.

41. The method as recited in claim 35, wherein the act of sending at least an account balance for the user purchasing account to the retail kiosk comprises an act of sending the account balance to an electronic address corresponding to a retail kiosk such that the account balance is transferred across the Internet to the retail kiosk.

42. The method as recited in claim 35, wherein the act of sending at least an account balance for the user purchasing account to the retail kiosk comprises an act of sending an activating command for activating advertisements at a retail kiosk along with the account balance.

43. The method as recited in claim 35, further comprising:

an act of receiving a Web based account sign-up request from a computer system;

an act of sending a Web based account sign-up screen to the computer system;

an act of receiving account information that was entered at the Web based account sign-up screen; and

an act of creating the user purchasing account based on the received account information.

44. The method as recited in claim 35, further comprising:

an act of receiving a request for account information corresponding to the user purchasing account; and

an act of sending account history information in response to the request.