Distribution and enablement of reloadable prepaid cards in transit

• US 9,996,985 B2
• Filed: 01/26/2015
• Issued: 06/12/2018
• Est. Priority Date: 07/09/2009
• Status: Expired due to Fees

• Current Assignee: Cubic Corporation
• Original Assignee: Cubic Corporation
• Inventors: Dixon, Philip B., Cook, Timothy, Mistry, Pradip, Koenig, Janet, deKozan, David L.
• Primary Examiner(s): Tran, Cong
• Application Number:
  US14/605,850
• Publication Number:
  US 20150134468A1
• Time in Patent Office: 1,233 Days
• Field of Search: 4554141, 455406, 455408, 4554121, 455466, 455 411- 2, 705 13, 705 1415, 705 145, 705 1451, 705 1453, 705 1458, 705 64
• CPC Class Codes: G06Q 10/08 Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
• 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 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/349 Rechargeable cards
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 50/40 Business processes related to the transportation industry shipping G06Q10/083
• CPC Class Codes: G07B 15/00 Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points handling coins or valuable papers, e.g. banknotes, G07D; apparatus for vending or hiring articles or services activated by coins, credit cards, paper currency or the like G07F7/00, G07F17/00
• CPC Class Codes: G07B 15/02 taking into account a variable factor such as distance or time, e.g. for passenger transport, parking systems or car rental systems G07B15/06 takes precedence; taximeters G07B13/00; parking meters per se G07F17/24; car rental systems per se G07B15/00

Abstract

Techniques for concurrent distribution of reloadable prepaid cards and enablement of the reloadable prepaid cards for use at access control points of a transit system. Techniques of enabling of the reloadable prepaid cards for use at access control points of the transit system can include obtaining user information, payment, and communicating card information to a card issuer for activation of the first reloadable prepaid card. A transit user account for managing transactional information of the user of the transit system is also created, reloadable prepaid card is enabled for use as fare media at access control points of the transit system. Thus, once distributed, the prepaid reloadable cards may be used as fare media in the transit system as payment for transit fare, as well as for purchases at locations outside the transit system.

Claims

1. A vending machine providing concurrent distribution of reloadable prepaid cards and enablement of the reloadable prepaid cards for use at access control points of a transit system, the vending machine comprising:

a network interface configured to communicate with a network;

a payment interface configured to collect one or more forms of payment;

a card dispenser configured to provide a first reloadable prepaid card to a user of the vending machine;

a storage unit coupled with the card dispenser and adapted to store reloadable prepaid cards for distribution;

an input interface configured to receive input from the user of the vending machine;

a processor communicatively coupled with the network interface, the payment interface, the card dispenser, the input interface, and a memory;

the memory having instructions that, when executed by the processor, cause the vending machine to;

obtain, with the input interface, information from the user of the vending machine;

collect, with the payment interface, a first payment from the user of the vending machine;

communicate, with the network interface, information for activating a first reloadable prepaid card, including;

an identification code associated with the first reloadable prepaid card;

at least a portion of the information obtained from the user; and

a value of at least a portion of the first payment;

provide, with the card dispenser, the first reloadable prepaid card to the user of the vending machine, wherein;

the first reloadable prepaid card has a payment brand;

the first reloadable prepaid card may be used for purchases at retailers outside the transit system that accept payments from payment cards having the payment brand;

purchases made with the first reloadable prepaid card are funded by a first prepaid account associated with the first reloadable prepaid card, the first prepaid account maintained by the first card issuer, wherein the first prepaid account comprises information including at least a portion of the obtained information associated with a user of the transit system; and

the transit system can determine a value of the first prepaid account associated with the first reloadable prepaid card; and

communicate, with the network interface, information for creating, prior to the distribution of the first reloadable prepaid card, a transit user account for managing transactional information of the user of the transit system, further providing for the enablement of the first reloadable prepaid card for use as fare media at access control points of the transit system, the information for creating a transit user account including;

at least a portion of the information obtained from the user of the vending machine; and

the identification code associated with the first reloadable prepaid card.

2. The vending machine providing concurrent distribution of the reloadable prepaid cards and the enablement of the reloadable prepaid cards for use at access control points of the transit system recited in claim 1, wherein the information from the user of the vending machine includes one or more of:

a unique identifier of the user;

a passcode and/or personal identification number (PIN);

a funding source;

a payment amount;

a name;

an address;

a telephone number;

an indicator of an opt-in selection;

an indicator of an opt-out selection;

an email address;

a product of the transit system;

or

a service of the transit system.

3. The vending machine providing concurrent distribution of the reloadable prepaid cards and the enablement of the reloadable prepaid cards for use at access control points of the transit system recited in claim 1, wherein the first payment includes one or more of:

a cash payment;

a payment funded by an e-commerce account;

a payment funded by a credit card;

or

a payment funded by a debit card.

4. The vending machine providing concurrent enrollment in the transit system and distribution of reloadable prepaid cards for use in transactions of the transit system recited in claim 1, further comprising a card writing-module configured to write data to the reloadable prepaid card, the card writing-module coupled with the card dispenser and the processor, wherein the memory has instructions that, when executed by the processor, further cause the vending machine to write data to the first reloadable prepaid card.

5. The vending machine providing concurrent distribution of the reloadable prepaid cards and the enablement of the reloadable prepaid cards for use at access control points of the transit system recited in claim 4, wherein the data written to the first reloadable prepaid card includes one or more of:

the value associated with the first reloadable prepaid card;

the location of use or distribution;

a date;

a time;

an indication that the first reloadable prepaid card and or the transit user account is active or inactive;

the identification code associated with the first reloadable prepaid card;

or

a security code.

6. The vending machine providing concurrent distribution of the reloadable prepaid cards and the enablement of the reloadable prepaid cards for use at access control points of the transit system recited in claim 1, further comprising a card-reading interface communicatively coupled with the processor and configured to read information from a reloadable prepaid card, wherein the memory has instructions that, when executed by the processor, further cause the vending machine to:

receive, with the card-reading interface, an identification code from a second reloadable prepaid card wherein;

the second reloadable prepaid card has a payment brand;

the second reloadable prepaid card may be used for purchases at retailers outside the transit system that accept payments from payment cards having the payment brand;

purchases made with the second reloadable prepaid card are funded by a second prepaid account associated with the second reloadable prepaid card, the second prepaid account maintained by a second card issuer; and

the transit system can determine a value of the second prepaid account associated with the second reloadable prepaid card;

collect, with the payment interface, a second payment; and

communicate with the network interface to the second card issuer;

a value of at least a portion of the second payment; and

the identification code received from the second reloadable prepaid card.

7. A method for concurrently distributing reloadable prepaid cards and enabling the reloadable prepaid cards for use at access control points of a transit system, the method comprising:

obtaining, at a vending machine, information associated with a user of the transit system;

receiving a first payment, at the vending machine;

communicating at least a portion of the information associated with the user of the transit system and information regarding a first reloadable prepaid card from the vending machine to a first card issuer for activation of the first reloadable prepaid card, wherein the information regarding the first reloadable prepaid card includes;

an identification code associated with the first reloadable prepaid card; and

a value of at least a portion of the first payment;

distributing the first reloadable prepaid card from the vending machine, wherein;

the first reloadable prepaid card has a payment brand;

the first reloadable prepaid card may be used for purchases at retailers outside the transit system that accept payments from payment cards having the payment brand;

purchases made with the first reloadable prepaid card are funded by a first prepaid account associated with the first reloadable prepaid card, the first prepaid account maintained by the first card issuer, wherein the first prepaid account comprises information including at least a portion of the obtained information associated with a user of the transit system; and

the transit system can determine a value of the first prepaid account associated with the first reloadable prepaid card;

creating, prior to the distribution of the first reloadable prepaid card, a transit user account with the vending machine for managing transactional information of the user of the transit system, the transit user account comprising information including;

at least a portion of the information associated with a user of the transit system; and

the identification code associated with the first reloadable prepaid card; and

enabling the first reloadable prepaid card for use as fare media at access control points of the transit system.

8. The method for concurrently distributing reloadable prepaid cards and enabling the reloadable prepaid cards for use at access control points of the transit system recited in claim 7, wherein the payment brand includes:

VISA®

;

MASTERCARD®

;

AMERICAN EXPRESS®

;

or

DISCOVER®

.

9. The method for concurrently distributing reloadable prepaid cards and enabling the reloadable prepaid cards for use at access control points of the transit system recited in claim 7, wherein the information associated with the user of the transit system includes one or more of:

a unique identifier of the user;

a passcode and/or personal identification number (PIN);

a funding source;

a payment amount;

a name;

an address;

a telephone number;

an indicator of an opt-in selection;

an indicator of an opt-out selection;

an email address;

a product of the transit system;

or

a service of the transit system.

10. The method for concurrently distributing reloadable prepaid cards and enabling the reloadable prepaid cards for use at access control points of the transit system recited in claim 7, wherein the identification code includes one or more of:

a primary account number (PAN);

an expiry date;

a bank account number;

a card verification value;

or

a card verification code.

11. The method for concurrently distributing reloadable prepaid cards and enabling the reloadable prepaid cards for use at access control points of the transit system recited in claim 7, further comprising writing data associated with the first reloadable prepaid card to a mobile device having near-field communication (NFC) capabilities, wherein:

the mobile device is enabled to use the NFC capabilities to conduct transactions; and

the transactions are funded by the first prepaid account associated with the first reloadable prepaid card.

12. The method for concurrently distributing reloadable prepaid cards and enabling the reloadable prepaid cards for use at access control points of the transit system recited in claim 7, wherein the enabling the reloadable prepaid card for use as fare media in the transit system includes one or more of:

writing data to the first reloadable prepaid card; and

including the identification code associated with the first reloadable prepaid card on certain lists of the transit system, wherein the lists are used to determine whether to grant a user passage at access control points of the transit system.

13. The method for concurrently distributing reloadable prepaid cards and enabling the reloadable prepaid cards for use at access control points of the transit system recited in claim 7, further comprising receiving an indication from the first card issuer that the first reloadable prepaid card has been activated.

14. The method for concurrently distributing reloadable prepaid cards and enabling the reloadable prepaid cards for use at access control points of the transit system recited in claim 7, further comprising:

receiving an identification code associated with a second reloadable prepaid card, wherein

the second reloadable prepaid card has a payment brand;

the second reloadable prepaid card may be used for purchases at retailers outside the transit system that accept payments from payment cards having the payment brand;

purchases made with the second reloadable prepaid card are funded by a second prepaid account associated with the second reloadable prepaid card, the second prepaid account maintained by a second card issuer; and

the transit system can determine a value of the second prepaid account associated with the second reloadable prepaid card;

receiving a second payment; and

communicating to the second card issuer;

a value of at least a portion of the second payment; and

the identification code associated with the second reloadable prepaid card.

15. The method for concurrently distributing reloadable bank cards and enabling the reloadable bank cards for use at access control points of the transit system recited in claim 14, wherein one or more of the following is true:

the second reloadable prepaid card is the same as the first reloadable prepaid card;

the second prepaid account is the same as the first prepaid account;

or

the second card issuer is the same as the first card issuer.

16. The method for concurrently distributing reloadable prepaid cards and enabling the reloadable prepaid cards for use at access control points of the transit system recited in claim 7, further comprising communicating information associated with the user of the transit system to the first card issuer.

17. The method for concurrently distributing reloadable prepaid cards and enabling the reloadable prepaid cards for use at access control points of the transit system recited in claim 16, wherein the information associated with a user of the transit system comprises one or more of:

a name;

birth date;

a social security number (SSN);

other government-issued identifier;

identification verification information;

or

an address.

18. One or more machine-readable, non-transitory media having instructions stored thereon for enabling concurrent distribution of reloadable prepaid cards and enablement of the reloadable prepaid cards for use at access control points of transit system, the instructions causing one or more machines to:

obtain information associated with a user of the transit system;

receive a first payment;

communicate at least a portion of the information associated with the user of the transit system and information regarding a first reloadable prepaid card to a first card issuer for activation of the first reloadable prepaid card, wherein the information regarding the first reloadable prepaid card includes;

an identification code associated with the first reloadable prepaid card; and

a value of at least a portion of the first payment;

distribute the first reloadable prepaid card, wherein;

the first reloadable prepaid card has a payment brand;

the first reloadable prepaid card may be used for purchases at retailers outside the transit system that accept payments from payment cards having the payment brand;

purchases made with the first reloadable prepaid card are funded by a first prepaid account associated with the first reloadable prepaid card, the first prepaid account maintained by the first card issuer, wherein the first prepaid account comprises information including at least a portion of the obtained information associated with a user of the transit system; and

the transit system can determine a value of the first prepaid account associated with the first reloadable prepaid card;

create, prior to the distribution of the first reloadable prepaid card, transit user account for managing transactional information of the user of the transit system, the transit user account comprising information including;

at least a portion of the information associated with a user of the transit system; and

an identification code associated with the first reloadable prepaid card; and

enable the first reloadable prepaid card for use as fare media at access control points of the transit system.

19. The one or more machine-readable, non-transitory media having instructions stored thereon for enabling concurrent distribution of the reloadable prepaid cards and enablement of the reloadable prepaid cards for use at access control points of the transit system recited in claim 18 wherein the instructions further cause the one or more machines to:

receive an identification code associated with a second reloadable prepaid card, wherein

the second reloadable prepaid card has a payment brand;

the second reloadable prepaid card may be used for purchases at retailers outside the transit system that accept payments from payment cards having the payment brand;

purchases made with the second reloadable prepaid card are funded by a second prepaid account associated with the second reloadable prepaid card, the second prepaid account maintained by a second card issuer; and

the transit system can determine a value of the second prepaid account associated with the second reloadable prepaid card;

receive a second payment; and

communicate to the second card issuer;

a value of at least a portion of the second payment, and

the identification code associated with the second reloadable prepaid card.

20. The one or more machine-readable, non-transitory media having instructions stored thereon for enabling concurrent distribution of the reloadable prepaid cards and enablement of the reloadable prepaid cards for use at access control points of the transit system recited in claim 19 wherein the instructions further cause the one or more machines to write data to the second reloadable card.

21. The one or more machine-readable, non-transitory media having instructions stored thereon for enabling concurrent distribution of the reloadable prepaid cards and enablement of the reloadable prepaid cards for use at access control points of the transit system recited in claim 20, wherein the data written to the second reloadable prepaid card includes one or more of:

all or a portion of the a value of the second payment;

the location of use or distribution;

a date;

a time;

a security code;

an indication that the second reloadable prepaid card is active;

or

a current value associated with the second reloadable prepaid card.

22. The one or more machine-readable, non-transitory media having instructions stored thereon for enabling concurrent distribution of the reloadable prepaid cards and enablement of the reloadable prepaid cards for use at access control points of the transit system recited in claim 19 wherein one or more of the following is true:

the second reloadable prepaid cards is the same as the first reloadable prepaid card;

the second prepaid account is the same as the first prepaid account;

or

the second card issuer is the same as the first card issuer.