Methods and systems for exchanging and/or transferring various forms of value

• US 8,332,313 B2
• Filed: 07/22/2008
• Issued: 12/11/2012
• Est. Priority Date: 02/15/2002
• Status: Active Grant

• Current Assignee: Coinstar Asset Holdings, LLC
• 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): Patel, Jagdish
• Assistant Examiner(s): POE, KEVIN T
• Application Number:
  US12/177,275
• Publication Number:
  US 20090018959A1
• Time in Patent Office: 1,603 Days
• Field of Search: 705/39, 705/35, 705/42, 705/44
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• 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 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/381 Currency conversion
• 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 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• 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 9/002 Vending machines being part of a centrally controlled network of vending machines

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 method for transferring funds from a first user to a second user, the method comprising:

providing a kiosk for performing money-based transactions, the kiosk including at least a central computer operatively connectable to a remote computer, and a user-interface operatively connected to the central computer;

receiving second user information from the first user via the user-interface of the kiosk, the second user information at least partially identifying the second user;

receiving funds information from the first user via the user-interface of the kiosk, the funds information including at least an amount of funds to transfer from the first user to the second user;

sending a request from the central computer to the remote computer for authorization to transfer the amount of funds to the second user;

receiving an authorization from the remote computer to transfer the amount of funds to the second user; and

wherein the kiosk, in response to receiving the authorization, automatically sends an electronic message to an electronic address of the second user to inform the second user of the amount of funds that has been authorized for transfer to the second user.

2. The method of claim 1 wherein the kiosk is a first kiosk, and wherein the method further comprises:

providing a second kiosk for performing money-based transactions, the second kiosk including at least a second central computer, a second user-interface, and a voucher outlet, the second user-interface and the voucher outlet being operatively connected to the second central computer;

in response to sending the message to the second user, receiving a request from the second user via the second user-interface for the funds; and

in response to the request from the second user, dispensing a voucher to the second user via the voucher outlet of the second kiosk, the voucher being redeemable for the amount of the funds.

3. The method of claim 1 wherein sending a message to the second user includes sending a code to the second user, and wherein the kiosk is a first kiosk, and wherein the method further comprises:

providing a second kiosk for performing money-based transactions, the second kiosk including at least a second central computer, a second user-interface, and a voucher outlet, the second user-interface and the voucher outlet being operatively connected to the second central computer;

in response to sending the message to the second user, receiving a request from the second user via the second user-interface for the funds, the request including at least a portion of the code; and

in response to the request from the second user, dispensing a voucher to the second user via the voucher outlet of the second kiosk, the voucher being redeemable for the amount of the funds.

4. The method of claim 1:

wherein receiving second user information from the first user includes receiving an electronic address of the second user; and

wherein sending a message to the second user includes sending an electronic message to the electronic address of the second user to inform the second user of the amount of funds that has been authorized for transfer to the second user.

5. The method of claim 4, further comprising:

in response to sending the electronic message to the electronic address of the second user, receiving a request from the second user for the funds; and

in response to receiving the request from the second user, providing the funds to the second user.

6. The method of claim 4 wherein sending an electronic message to the electronic address of the second user includes sending information about the location of one or more kiosks configured to dispense the funds to the second user.

7. The method of claim 4 wherein the kiosk is a first kiosk, and wherein sending an electronic message to the electronic address of the second user includes sending information about the location of a second kiosk configured to dispense the funds to the second user, and wherein the method further comprises:

in response to sending the electronic message, receiving a request from the second user for the funds via the second kiosk; and

in response to receiving the request from the second user, providing the funds to the second user via the second kiosk.

8. The method of claim 4 wherein sending an electronic message to the electronic address of the second user includes sending a unique code to the second user, and wherein the method further comprises:

in response to sending the electronic message, receiving a request from the second user for the funds, the request including at least a portion of the unique code; and

in response to receiving at least a portion of the unique code from the second user, providing the funds to the second user.

9. The method of claim 1 wherein the kiosk is a first kiosk, wherein receiving second user information from the first user includes receiving an electronic address, wherein sending a message to the second user includes sending an electronic message to the electronic address, wherein the electronic message includes a unique code and information relating to the location of a second kiosk configured to dispense the funds to the second user, and wherein the method further comprises:

receiving a request from the second user for the funds via the second kiosk, the request including at least a portion of the unique code; and

in response to receiving at least a portion of the unique code from the second user, providing the funds to the second user via the second kiosk.

10. The method of claim 1 wherein receiving funds information from the first user includes receiving information identifying a source of funds.

11. The method of claim 1 wherein receiving funds information from the first user includes receiving information about a credit card account of the first user to be used as a source of funds, and wherein the method further comprises, in response to receiving the credit card account information, sending a request to a credit card provider for authorization to debit the amount of funds from the credit card account.

12. A computer implemented method for transferring funds from a first user to a second user, the method comprising:

providing a first machine for performing money-based transactions, the first machine including at least a first central computer and a first user-interface operatively connected to the first central computer;

providing a second machine for performing money-based transactions, wherein the second machine is located remotely from the first machine and includes at least a second central computer and a second user-interface operatively connected to the second central computer;

receiving information relating to the second user from the first user via the first user-interface;

receiving information relating to the funds from the first user via the first user-interface;

in response to receiving at least one of the funds information and the second user information from the first user via the first user interface, sending a communication from the first machine to a first remote computer, wherein the communication includes a request for authorization to transfer the funds from the first user to the second user;

in response to sending the communication from the first machine to the first remote computer, receiving authorization to transfer the funds from the first user to the second user;

in response to receiving the authorization, automatically sending, by the first machine, an electronic message to a second remote computer to inform the second user of the funds that have been authorized for transfer to the second user;

receiving a request for the funds from the second user via the second user-interface of the second machine; and

in response to receiving the request from the second user, dispensing the funds to the second user from the second machine.

13. The computer implemented method of claim 12:

wherein the second machine for performing money-based transactions includes a voucher outlet; and

wherein dispensing the funds to the second user from the second machine includes dispensing a voucher to the second user via the voucher outlet, the voucher being redeemable for the amount of the funds.

14. The computer implemented method of claim 12 wherein the second remote computer is located remotely from the first machine for performing money-based transactions and the second machine for performing money-based transactions.

15. The computer implemented method of claim 14:

wherein sending an electronic message to a second remote computer includes sending a unique code to the second remote computer; and

wherein receiving a request for the funds from the second user includes receiving at least a portion of the unique code via the second user-interface of the second machine.

16. A computer-readable medium containing computer-executable instructions, the computer-executable instructions causing a computer in a first kiosk to implement a transfer of funds from a first user to a second user by a method comprising:

receiving information from the first user at the first kiosk, wherein the information relates to the second user and a source of the funds;

in response to receiving the information from the first user, sending a communication from the first kiosk to a first remote computer, wherein the communication includes a request to transfer the funds from the first user to the second user via a second kiosk remote from the first kiosk;

in response to sending the communication from the first kiosk, receiving confirmation that the funds have been authorized for transfer to the second user via the second kiosk;

in response to receiving the confirmation, providing a unique code enabling the second user to retrieve the funds from the second kiosk; and

sending an electronic message to a second remote computer associated with the second user in response to receiving the confirmation from the first remote computer, wherein the electronic message includes the unique code.

17. The computer-readable medium of claim 16 wherein receiving information from the first user at the first kiosk includes receiving an email address of the second user.

18. The computer-readable medium of claim 16 wherein the electronic message further includes information relating to the second kiosk.

19. The computer-readable medium of claim 16:

wherein receiving information from the first user at the first kiosk includes receiving an electronic address of the second user; and

wherein sending an electronic message to the second remote computer includes sending an electronic message to the electronic address of the second user.