Inserting value into customer account at point of sale using a customer account identifier

• US 7,630,926 B2
• Filed: 12/01/2005
• Issued: 12/08/2009
• Est. Priority Date: 08/19/1999
• Status: Active Grant

• Current Assignee: e2Interactive Incorporated
• Original Assignee: e2Interactive Incorporated
• Inventors: Chakiris, Philip M., Smith, Merrill Brooks, Graves, Phillip Craig
• Primary Examiner(s): Patel; Jagdish N
• Assistant Examiner(s): HAMILTON, SARA CHANDLER
• Application Number:
  US11/290,606
• Publication Number:
  US 20060161490A1
• Time in Patent Office: 1,468 Days
• Field of Search: 705 16- 18, 705/35
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A method of adding a value to a customer account is provided. A request to add a value to a customer account of a customer is received from a point of sale terminal. Value identification data associated with the value and account identification data associated with the customer account may form part of the request. The customer account identification data may be entered at the point of sale. The request may be associated with a purchase of the value. The value may be caused to be added to the customer account. During subsequent value purchase transactions, additional value may be added to the account.

Claims

1. A method of adding a value redeemable with one or more providers including a specific provider having a pre-existing customer account identified by a specific customer account number, the method utilizing a central processor in selective communication with a point of sale terminal and the one or more providers, the method comprising:

receiving, at the central processor, from a point of sale terminal a request to add a value to the pre-existing customer account of a customer, the request resulting from a purchase of the value and comprising;

value identification data associated with the value;

account identification data associated with the pre-existing customer account;

the value identification data and account identification data being received by the point of sale terminal;

determining, by the central processor, the specific provider based on the account identification data;

communicating, by the central processor, with a processor of the specific provider; and

providing, by the central processor, to the processor of the specific provider, the value identification data and the account identification data, wherein the value is added to the pre-existing customer account by the specific provider based on the value identification data provided.

2. The method of claim 1, wherein at least one of the value identification data and the account identification data is entered at the point of sale terminal using a keycard.

3. The method of claim 1, wherein the pre-existing customer account is a telecommunications account.

4. The method of claim 1, wherein the account identification data is a phone number.

5. The method of claim 1, wherein the account identification data is an electronic serial number (ESN) number.

6. The method of claim 1, wherein the account identification data is a mobile identification number (MIN).

7. The method of claim 1, wherein the request further comprises an identifier that identifies the specific provider of the pre-existing customer account.

8. The method of claim 1, further comprising:

transmitting a confirmation code associated with the purchase of the value to the point of sale terminal after receiving the request to add value to the pre-existing customer account.

9. The method of claim 1, wherein the value comprises a communication service amount.

10. The method of claim 1, further comprising:

storing information about the request to add value to the pre-existing customer account in a database;

after the storing action, receiving a second request to add a second value to the pre-existing customer account;

processing the second request and the stored information about the request to identify the account provider.

11. The method of claim 1, wherein the value is associated with a card, and wherein the value identification data comprises card identification information entered at the point-of-sale.

12. The method of claim 11, wherein the card identification information is entered at the point of sale by swiping a magnetic stripe of the card at the point of sale terminal.

13. The method of claim 1, wherein the account identification data is entered by the customer at the point of sale terminal prior to the act of receiving the request to add value to the pre-existing customer account.

14. The method of claim 1, wherein the step of providing the value identification data to the specific provider comprises the central processor sending to the specific provider a file conforming to an application programming interface (API) of the specific provider.

15. The method of claim 1, further comprising:

passing a transaction confirmation to the point of sale terminal; and

after the act of passing, receiving from a second point-of-sale terminal a request to add additional value to the pre-existing customer account.

16. The method of claim 1, wherein the pre-existing customer account is used for at least one of:

wireless telephone service;

paging service;

internet-enabled communication service;

wireless web access;

emergency road service;

transportation service;

online dating service;

internet access;

film processing;

gift certificate(s);

prepaid gas;

prepaid grocery;

prepaid entertainment;

prepaid movie;

downloadable ring tones;

downloadable games;

downloadable movie;

downloadable music encoded using at least one of MP3, MP4, Windows Media Video (WMV) and Windows Wave (WAV) music formats;

customer rewards;

bridge toll;

road toll;

long distance telephone communication; and

wireless communication.

17. The method of claim 1, further comprising determining the specific customer account number based on the account identification data.

18. A system of adding a value redeemable with one or more providers including a specific provider having a pre-existing customer account identified by a specific customer account number, the system comprising:

an input device in selective communication with at least one point of sale terminal for receiving from the point of sale terminal a request to add the value to the pre-existing customer account, the request comprising value identification data associated with the value and account identification data associated with the pre-existing customer account;

a processor for determining the specific provider and the specific customer account number based on the account identification data; and

an output device for communicating, by the central processor, with a processor of the specific provider and providing to the central processor of the specific provider the value identification data and the account identification data, wherein the value is added to the pre-existing customer account by the specific provider based on the value identification data provided.