Methods and systems for exchanging/transferring gift cards

• US 8,229,851 B2
• Filed: 08/19/2011
• Issued: 07/24/2012
• Est. Priority Date: 02/15/2002
• Status: Active Grant

• Current Assignee: Cardpool Incorporated (Albertsons Cos., Inc.)
• Original Assignee: Coinstar Incorporated (Outerwall Inc.)
• Inventors: Doran, Michael, Martin, Douglas A., Dean, Scott A., Jacobson, Jessaca, Hanson, Kim P., Smith, Kerry
• Primary Examiner(s): Cheung, Mary
• Application Number:
  US13/213,421
• Publication Number:
  US 20110307378A1
• Time in Patent Office: 340 Days
• Field of Search: 705/14, 705/35, 705 39- 41, 705/44, 705 64- 68, 705/75, 235/375, 235380-3825, 902/8, 902/22, 902 24- 26, 902 30- 32, 725/6
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/381 Currency conversion
• CPC Class Codes: G07D 1/02 giving change coin-actuated mechanisms in general G07F
• CPC Class Codes: G07D 11/0087 Banknote changing devices
• CPC Class Codes: G07D 5/00 Testing specially adapted to determine the identity or genuineness of coins, e.g. for segregating coins which are unacceptable or alien to a currency
• CPC Class Codes: G07F 17/42 for ticket printing or like apparatus , e.g. apparatus for dispensing of printed paper tickets or payment cards
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00
• CPC Class Codes: G07F 19/204 Loading of a stored value token using an ATM
• CPC Class Codes: G07F 5/24 with change-giving
• CPC Class Codes: G07F 9/001 Interfacing with vending machines using mobile or wearable devices
• CPC Class Codes: G07F 9/002 Vending machines being part of a centrally controlled network of vending machines
• CPC Class Codes: G07F 9/08 Counting total of coins inserted

Abstract

Methods and systems for exchanging various forms of value, including coins, currency, credit, debit, and/or bank account funds, for prepaid cash cards, credit cards, phone cards, and the like. In one embodiment, a value exchange machine includes a coin input region, a coin sorting/counting apparatus, a card reader, and a communications facility configured to communicate with a remote computer network. In another embodiment, a value exchange system includes one or more of the value exchange machines connected to one or more remote computers via a communications link. A user wishing to purchase, for example, a prepaid cash card can visit one of the value exchange machines, select the desired transaction, and pay for the card with coins, currency, a credit card, a debit card, and/or bank account funds. After confirming payment, the value exchange machine dispenses the card to the user.

Claims

1. A computer-implemented method for exchanging gift cards, the method comprising:

positioning a first kiosk in a first publicly accessible area of a first commercial establishment;

positioning a second kiosk in a second publicly accessible area of a second commercial establishment;

receiving a first gift card from a first user at the first kiosk;

crediting a first monetary amount associated with the first gift card to an account;

dispensing at least one of cash and a redeemable voucher to the first user from the first kiosk in exchange for the first gift card;

voiding the first gift card;

receiving funds from a second user at the second kiosk;

dispensing a second gift card to the second user from the second kiosk in exchange for the funds; and

debiting a second monetary amount associated with the second gift card from the account.

2. The computer-implemented method of claim 1 wherein dispensing the at least one of cash and the redeemable voucher to the first user includes dispensing a value less than the first monetary amount.

3. The computer-implemented method of claim 1 wherein receiving funds from the second user for the second gift card includes receiving funds having a value less than the second monetary amount.

4. The computer-implemented method of claim 1:

wherein dispensing the at least one of cash and the redeemable voucher to the first user includes dispensing the at least one of cash and the redeemable voucher having a first value less than the first monetary amount; and

wherein receiving funds from the second user for the second gift card includes receiving funds having a second value less than the second monetary amount.

5. The computer-implemented method of claim 1:

wherein receiving the first gift card from the first user includes receiving a first prepaid gift card for making purchases at a retail establishment, the first prepaid gift card having a first gift card balance; and

wherein dispensing the second gift card to the second user includes dispensing a second prepaid gift card for making purchases at the retail establishment, wherein the second prepaid gift card has a second gift card balance equal to or less than the first gift card balance.

6. The computer-implemented method of claim 1:

wherein receiving the first gift card from the first user includes receiving a first prepaid gift card for making purchases at a retail establishment, the first prepaid gift card having a gift card balance; and

wherein the computer-implemented method further comprises selling the gift card balance.

7. The computer-implemented method of claim 6 wherein selling the gift card balance includes selling the gift card balance for a value less than the gift card balance.

8. The computer-implemented method of claim 1:

wherein receiving the first gift card from the first user includes receiving a first prepaid gift card for making purchases at a first retail establishment; and

wherein dispensing the second gift card to the second user includes dispensing a second prepaid gift card for making purchases at a second retail establishment.

9. The computer-implemented method of claim 1, further comprising displaying transaction options to the first user, wherein the transaction options include at least one of exchanging the first gift card for cash value or exchanging the first gift card for another gift card.

10. The computer-implemented method of claim 1 wherein receiving the first gift card from the first user includes receiving at least one of a gift card number, a retail establishment, or a gift card balance associated with the first gift card.

11. The computer-implemented method of claim 1:

wherein the first and second kiosks each include a communications facility coupled to a computer network; and

wherein crediting the first monetary amount associated with the first gift card to the account includes adding the first monetary amount and a first gift card identifier associated with the first gift card to a database, wherein the database is on a remote computer coupled to the first and second kiosks via the communications facilities.

12. The computer-implemented method of claim 11 wherein debiting the second monetary amount associated with the second gift card from the account includes removing the second monetary amount and a second gift card identifier associated with the second gift card from the database.

13. A computer-implemented method for exchanging prepaid cards, the method comprising:

receiving a first prepaid card from a first user at a consumer operated kiosk, wherein receiving the first card includes receiving at least one of a physical card, a card number, a card balance, or a bar code associated with the first prepaid card;

crediting a first monetary amount associated with the first prepaid card to an account;

dispensing at least one of cash and a redeemable voucher to the first user from the first kiosk in exchange for the first card;

receiving funds from a second user at the consumer operated kiosk;

debiting a second monetary amount associated with the second prepaid card from the account; and

dispensing a second prepaid card to the second user from the consumer operated kiosk in exchange for the funds, wherein the second card is at least one of the first prepaid card or a new prepaid card associated with the first card.

14. The computer-implemented method of claim 13, further comprising reselling the first prepaid card to the second user.

15. The computer-implemented method of claim 14 wherein reselling the first prepaid card to the second user includes reselling the first prepaid card to the second user from a location remote from the consumer operated kiosk.

16. The computer-implemented method of claim 13 wherein the consumer operated kiosk is a first consumer operated kiosk, and wherein the computer-implemented method further comprises:

positioning the first consumer operated kiosk in a first publicly accessible area of a first commercial establishment; and

positioning a second consumer operated kiosk in a second publicly accessible area of a second commercial establishment, wherein the first and second consumer operated kiosks each include a communications facility configured to communicate with a remote computer network.

17. The computer-implemented method of claim 13 wherein the account includes a plurality of monetary amounts associated with a corresponding plurality of prepaid cards.