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Stored-value card management method and system

  • US 8,622,291 B2
  • Filed: 03/15/2013
  • Issued: 01/07/2014
  • Est. Priority Date: 09/20/2007
  • Status: Active Grant
First Claim
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1. A computerized method for real-time activating and issuing of stored-value cards over a communications network to cardholders, the method comprising:

  • receiving, by a central processor, a stored-value card purchasing request received directly from a card purchaser via a respective communication gateway, and in response to receiving the card purchaser request;

    communicating in real-time, by a central processor, with an unaffiliated stored-value card processing network, such network including a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices;

    communicating in real-time with a potential or existing stored-value cardholder or card purchaser regarding the stored-value card;

    through the card processor,activating and issuing stored value card through the central processor to the cardholder over the Internet; and

    managing the stored-value card transaction through said unaffiliated network by said central processor.

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