×

System and method for electronic prepaid account replenishment

  • US 8,479,980 B2
  • Filed: 03/03/2011
  • Issued: 07/09/2013
  • Est. Priority Date: 05/28/2003
  • Status: Expired due to Term
First Claim
Patent Images

1. A method for facilitating crediting of a customer account maintained by a vendor of services in response to payment received from a customer at a point-of-sale, the method comprising:

  • receiving, at a transaction processor, embedded transaction information extracted from an authorization message generated at the point-of-sale, wherein the authorization message includes at least an account number associated with the customer account and embedded transaction information, the embedded transaction information containing a payment amount encoding an offered service and a requested amount corresponding to the payment; and

    transmitting, in response to the embedded transaction information, a request to credit the customer account based upon an amount encoded by the payment amount in order to facilitate an electronic transfer of funds from a first account associated with the point-of-sale directly to a second account associated with the vendor.

View all claims
  • 6 Assignments
Timeline View
Assignment View
    ×
    ×