System and method for using intelligent codes to add a stored-value card to an electronic wallet

• US 11,042,870 B2
• Filed: 04/04/2013
• Issued: 06/22/2021
• Est. Priority Date: 04/04/2012
• Status: Active Grant

• Current Assignee: Blackhawk Network Incorporated (Albertsons Cos., Inc.)
• Original Assignee: Blackhawk Network Incorporated (Albertsons Cos., Inc.)
• Inventors: Campos, Tomas Ariel
• Primary Examiner(s): McAtee, Patrick
• Assistant Examiner(s): Martinez-Hernandez, Edgar R
• Application Number:
  US13/857,048
• Publication Number:
  US 20130304642A1
• Time in Patent Office: 3,001 Days
• Field of Search: 705 39, 705 41, 705 67, 705 72
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof

Abstract

A method comprises receiving a request to add a stored-value card to an electronic wallet via interpreting an intelligent code which directs a user to a URL for an electronic wallet website; prompting a user for credentials to enter the electronic wallet website; determining whether the stored-value card already exists in the electronic wallet; and adding the stored-value card to the electronic wallet. A system comprises a computer device to receive a request to add a stored-value card to an electronic wallet via interpreting an intelligent code which directs a user to a URL for an electronic wallet website; to prompt a user for credentials to enter the electronic wallet website, to determine possession of the stored-value card, to determine whether the stored-value card already exists in the electronic wallet, and to add the stored-value card to the electronic wallet.

Claims

1. A method performed by an e-wallet provider computer device having a processor and executable instructions stored on a non-transitory computer readable medium which, when executed by the processor, causes the e-wallet provider computer device to perform the method, the method comprising:

receiving a request to add a closed loop stored-value card to an electronic wallet, wherein the electronic wallet is stored in a database of an e-wallet provider, wherein the request is facilitated by interpreting an intelligent code by a user device, wherein interpreting the intelligent code by the user device directs a user to a URL for an electronic wallet website, wherein the user device provides stored-value card information to the electronic wallet website, and wherein the stored value card information comprises a security key for the closed loop stored-value card;

storing the intelligent code information in a shopping cart;

prompting the user for credentials to enter the electronic wallet website;

determining whether the closed loop stored-value card already exists in the electronic wallet;

communicating information, via a network connection to a merchant and to a closed loop stored-value card processor, concerning activation of the closed loop stored-value card and to determine a balance of the closed loop stored-value card, wherein the closed loop stored-value card processor is not an owner of the electronic wallet;

confirming activation of the closed loop stored-value card; and

adding the closed loop stored-value card to the electronic wallet.

2. The method of claim 1, further comprising:

determining possession of the stored-value card.

3. The method of claim 2, wherein determining possession of the stored-value card comprises:

requesting a PIN for the stored-value card;

receiving an entered PIN; and

determining the entered PIN is valid.

4. The method of claim 1, further comprising:

displaying a balance for the stored-value card.

5. The method of claim 1, further comprising:

displaying at least a portion of a card number associated with the stored-value card.

6. The method of claim 1, further comprising:

prompting the user for a call to action, wherein the call to action comprises adding value to the stored-value card, viewing available offers or coupons, viewing the electronic wallet, or combinations thereof.

7. The method of claim 1, further comprising:

facilitating activation of the stored-value card.

8. The method of claim 1, further comprising:

receiving a purchase verification for the stored-value card.

9. The method of claim 1, wherein the credentials comprise a login and a password.

10. The method of claim 1, wherein the intelligent code comprises at least one of a barcode;

a QR code;

an arrangement of numerals, letters, symbols, images, and/or colors;

an electromagnetic signal;

a mechanical wave;

or combinations thereof.

11. The method of claim 1, wherein the URL comprises a retailer identifier, a card number, a PIN, or combinations thereof.

12. The method of claim 1, wherein the request to add a stored-value card to the electronic wallet is received by scanning of the intelligent code on a physical card.

13. A system comprising an e-wallet provider computer device having a processor unit and executable instructions stored on a non-transitory computer readable medium which, when executed by the processor unit, causes:

the e-wallet provider computer device having the processor unit to receive a request to add a closed loop stored-value card to an electronic wallet, wherein the electronic wallet is stored in a database of an e-wallet provider, wherein the request is facilitated by interpreting an intelligent code by a user device, wherein interpreting the intelligent code by the user device directs a user to a URL for an electronic wallet website, wherein the user device provides stored-value card information to the electronic wallet website, and wherein the stored-value card information comprises a security key for the closed loop stored-value card;

the e-wallet provider computer device having the processor unit to prompt a user for credentials to enter the electronic wallet website;

the e-wallet provider computer device having the processor unit to determine possession of the closed loop stored-value card;

the e-wallet provider computer device having the processor unit to determine whether the stored-value card already exists in the electronic wallet;

the e-wallet provider computer device having the processor unit to communicate information, via a network connection to a merchant and to a closed loop stored-value card processor, concerning activation of the closed loop stored value card and to determine a balance of the closed loop stored-value card, wherein the closed loop stored-value card processor is not an owner of the electronic wallet;

the e-wallet provider computer device having the processor unit to confirm activation of the stored-value card; and

the e-wallet provider computer device having the processor unit to add the stored-value card to the electronic wallet.

14. The system of claim 13, the e-wallet provider computer device having the processor unit to determine possession of the stored-value card by:

requesting a PIN for the stored-value card;

receiving an entered PIN; and

determining the entered PIN is valid.

15. The system of claim 13, the e-wallet provider computer device having the processor unit to provide a display able balance for the stored-value card after ownership is verified.

16. The system of claim 13, the e-wallet provider computer device having the processor unit to provide at least a portion of a card number associated with the stored-value card.

17. The system of claim 13, the e-wallet provider computer device having the processor unit to prompt the user for a call to action, wherein the call to action comprises adding value to the stored-value card, viewing available offers or coupons, viewing the electronic wallet, or combinations thereof.

18. The system of claim 13, further comprising the e-wallet provider computer device facilitating activation of the stored-value card.

19. The system of claim 13, the e-wallet provider computer device having the processor unit to receive a purchase verification for the stored-value card.

20. The system of claim 13, wherein the credentials comprise a login and a password.

21. The system of claim 13, wherein the intelligent code comprises at least one of a barcode;

a QR code;

an arrangement of numerals, letters, symbols, images, and/or colors;

an electromagnetic signal;

a mechanical wave;

or combinations thereof.

22. The system of claim 13, wherein the URL comprises a retailer identifier, a card number, a PIN, or combinations thereof.

23. The system of claim 13, wherein the request to add a stored-value card to the electronic wallet is received by a scanning of the intelligent code on a physical card.