Stored-value card management method and system

• US 8,245,910 B2
• Filed: 09/19/2008
• Issued: 08/21/2012
• Est. Priority Date: 09/20/2007
• Status: Active Grant

• Current Assignee: Blackhawk Network Incorporated (Albertsons Cos., Inc.)
• Original Assignee: Corporate Business Systems, Inc. (Sentinel Technologies, Inc.)
• Inventors: Sullivan, Thomas J., Graves, J. Simmons
• Primary Examiner(s): Le, Thien M.
• Assistant Examiner(s): MARSHALL, CHRISTLE I
• Application Number:
  US12/284,194
• Publication Number:
  US 20090078755A1
• Time in Patent Office: 1,432 Days
• Field of Search: 705/14
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/343 Cards including a counter
• CPC Class Codes: G06Q 20/3433 the counter having monetary units
• CPC Class Codes: G06Q 20/351 Virtual cards
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4018 using the card verification value [CVV] associated with the card
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

A computerized system for activating, issuing and otherwise managing transactions and activities pertaining to stored-value cards over a communications network. A central information database is provided for storing stored-value cardholder and card purchaser information received directly from respective stored-value cardholders and card purchasers PCs through a universal central processor via respective communication gateways. The central processor is coupled for communication realtime to multiple unaffiliated stored-value card processing networks normally operated by respective hosts. Each network includes a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices. The central processor is programmed for managing the activation and issuance of transactions and activities for the stored-value card through the respective unaffiliated networks. The universal central processor is programmed to issue the stored-value cards directly to the cardholder or card purchaser by download over respective communication gateways. The universal central processor is further programmed for reporting the card activations, issuances, transactions and activities to the cardholders and the merchants thereby providing a universal management system.

Claims

1. A computerized method for activating and issuing stored-value cards over a communications network directly to the cardholder on behalf of a merchant, the method comprising:

storing in a central information database stored-value cardholder and card purchaser information and card purchasing requests received directly from respective stored-value cardholders and card purchasers through a central processor via respective communication gateways;

coupling said central processor for data communications to multiple unaffiliated stored-value card processing networks, each network including a stored-value card processor coupled to a stored-value card database, and multiple respective merchant communication devices; and

in response to a card purchaser request, immediately electronically activating and issuing a stored value card from the central processor to the cardholder over the Internet and managing the interface transactions and activities originated by a cardholder for the stored-value cards through said unaffiliated networks by said central processor.

2. The computerized method of claim 1, wherein the issuing of the stored-value cards is accomplished over a communication gateway connection by said central processor directly to said cardholder or card purchaser.

3. The computerized method of claim 1, wherein each stored-value card transaction and activity accomplished through one of said networks is directly associated by said central processor with an individual cardholder identified in said central information database.

4. The computerized method of claim 1, reporting the card activations, issuances, transactions and activities by said central processor to the cardholders and the merchants.

5. The computerized method of claim 1, wherein activation includes issuance of an authorization number by said central processor.

6. A method of universally managing multiple unaffiliated stored-value card processing networks, each network including a stored-value card processor connected to a stored-value card database, and multiple respective merchant communication interface devices for communication by respective merchants with said processors, said method comprising:

providing a universal central processor and communicating said processor with a universal stored-value card cardholder information database managed by said universal central processor, communicating said universal central processor with potential or existing stored-value cardholders or holder benefactors through communication gateways, and communicating said universal central processor with said stored-value processing networks; and

programming said universal central processor for electronically activating and issuing stored-value cards through said unaffiliated stored-value card processors directly to said cardholders from the central processor over the Internet or holder benefactors via said communication gateways, and further programming said universal central processor for managing stored-value card transactions and activities through said stored-value card processors and reporting said activations, transactions and activities to respective merchants.

7. The method of claim 6, programming said central processor for associating each of said transactions and activities directly with an individual cardholder identified in said information database.

8. A computerized system for activating and issuing stored-value cards over a communications network directly to the cardholder on behalf of a merchant, the system comprising:

a central information database for storing stored-value cardholder and card purchaser information and card purchasing requests received directly from respective stored-value card holders and card purchasers through a central processor via respective communication gateways;

said central processor coupled for communication to multiple unaffiliated stored-value card processing networks, each network including a stored-value card processor coupled to a stored value card database, and multiple respective merchant communication devices;

said central processor programmed in response to a card purchaser request for immediately electronically activating and issuing a stored-value card from the central processor over the Internet and managing the transactions and activities originated by a cardholder for the stored-value cards through said unaffiliated networks.

9. The computerized system of claim 8, wherein said central processor is programmed to issue said stored-value cards directly to said cardholder or card purchaser over said communication gateways.

10. The computerized system of claim 8, wherein said central processor is programmed to directly associate each stored-value card transaction accomplished through one of said networks with an individual cardholder identified in said central information database.

11. The computerized system of claim 8, wherein said central processor is programmed for reporting the card activations, issuances, transactions and activities to the cardholders and the merchants.

12. The computerized system of claim 8, wherein said central processor is programmed to issue an authorization number when activating a stored-value card.

13. A system for universal management of multiple unaffiliated stored-value card processing networks, each network including a stored-value card processor connected to a stored-value card database, and multiple respective merchant communication interface devices for communication by respective merchants with said processors, said universal management system comprising:

a universal central processor communicating with a universal value-card cardholder information database managed by said universal central processor, with potential or existing stored-value cardholders or holder benefactors, and with said stored-value card processing networks;

said universal central processor programmed for electronically activating and issuing stored-value cards from the central processor over the Internet through said unaffiliated stored-value card processors directly to said cardholders or holder benefactors via communication gateways, and managing the stored-value card transactions and activities through said stored-value card processors with universal reporting to respective merchants.

14. The system of claim 13, wherein said universal central processor is further programmed to link each of said transactions and activities with a cardholder in said universal value-card cardholder information.

15. The system of claim 13, said stored-value cards including gift cards, prepaid cards and reward cards.

16. The system of claim 13, wherein said merchant communication interface devices include a point-of-sale (POS) terminal or a communication gateway.

17. The system of claim 16, wherein card activation and merchant card transactions are communicated via said merchant communication interface devices.