Stored-value card management method and system

• US 9,691,063 B2
• Filed: 02/20/2015
• Issued: 06/27/2017
• Est. Priority Date: 09/20/2007
• Status: Active Grant

• Current Assignee: Blackhawk Network Incorporated (Albertsons Cos., Inc.)
• Original Assignee: Blackhawk Network Incorporated (Albertsons Cos., Inc.)
• Inventors: Graves, J. Simmons, Sullivan, Thomas J.
• Primary Examiner(s): Marshall, Christle I
• Application Number:
  US14/627,764
• Publication Number:
  US 20150161593A1
• Time in Patent Office: 858 Days
• 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 real-time processing of stored-value cards over a communications network, the method comprising:

receiving, by a central processor, a stored-value card transaction request via a respective communication gateway, and in response to receiving the request;

communicating in real-time, by the central processor, with (i) an unaffiliated stored-value card processing network, such unaffiliated stored-value card processing network including a stored-value card processor coupled to a stored-value card database and multiple different merchants'"'"' communication devices and (ii) the multiple different merchants'"'"' communication interface devices, wherein the multi different merchants'"'"' communication interface devices communicate with the stored-value card processor via the central processor; and

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

2. The computerized method of claim 1, wherein a stored value card used for the transaction is issued by the unaffiliated stored-value card processing network over a communication gateway connection with said central processor directly to a cardholder or a card purchaser.

3. The computerized method of claim 1, wherein said managing includes storing individual cardholder information in a central information database and directly associating the stored-value card transaction and activity accomplished through said unaffiliated stored-value card processing network by said central processor with an individual cardholder identified in said central information database.

4. The computerized method of claim 1, wherein said managing includes reporting card activation, issuances, transactions or activities by said central processor to a cardholder and a merchant.

5. The computerized method of claim 1, further comprising communicating in real-time with a potential or existing stored-value cardholder or card purchaser including issuing an authorization number by said central processor related to a card purchase.

6. The computerized method of claim 1, wherein the stored-value cards contain a card verification valued (CVV) number.

7. A method of universally managing multiple unaffiliated stored-value card processing networks, each unaffiliated stored-value card processing network including a stored-value card processor connected to a stored-value card database, and multiple different merchants'"'"' communication interface devices for communication by respective merchants with said processors, wherein the multiple different merchants'"'"' communication interface devices communicate with the stored-value card processor via a universal central processor, said method comprising:

providing the universal central processor and communicating by said universal central processor with a universal stored-value card cardholder information database managed by said universal central processor;

communicating by said universal central processor with said multiple unaffiliated stored-value card processing networks and the multiple different merchants'"'"' communication interface devices; and

programming said universal central processor for managing stored-value card transactions processed through said multiple unaffiliated stored-value card networks by the universal central processor.

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

9. The method of claim 7, further programming said central processor for sending bonus funds to a card for purchases made.

10. The method of claim 7, further programming said central processor for electronically sending offers and advertisements to cardholders.

11. The method of claim 7, further programming said central processor for creating gift card rewards and electronically sending such rewards to cardholders.

12. The method of claim 7, wherein the stored-value cards used for the transactions contain a card verification valued (CVV) number.

13. A computerized system for electronically processing transactions of stored-value cards over a communications network, the system comprising:

a central information database for storing stored-value cardholder information;

a central processor for receiving card transaction requests from a respective communication gateway, said central processor coupled for communication to (i) multiple unaffiliated stored-value card processing networks, each unaffiliated stored-value card processing network including a stored-value card processor coupled to a stored value card database and multiple different merchants'"'"' communication interface devices and (ii) the multiple different merchants'"'"' communication interface devices, wherein the multiple different merchants'"'"' communication interface devices communicate with the stored-value card processor via the central processor, said central processor programmed for managing transactions originated by a cardholder or a card processor for the stored-value cards through said multiple unaffiliated stored-value card processing networks.

14. The computerized system of claim 13, wherein said central processor is programmed to associate each stored-value card the transaction accomplished through one of said networks with an individual cardholder identified in said central information database.

15. The computerized system of claim 13, wherein said central processor is programmed for reporting card activations, issuances, the transactions and activities to the cardholders and the merchants.

16. The computerized system of claim 13, wherein said central processor is programmed to issue an authorization number in response to receiving a card purchasing request.

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

18. The computerized system of claim 13, wherein said merchants'"'"' communication devices include a point-of-sale (POS) terminal or the respective communication gateway.

19. The computerized system of claim 13, wherein the stored-value cards contain a card verification valued (CVV) number.