Patent US6918537B2 successfully refreshed from Google Patents.
US6918537B2
Expired / Lapsed
US
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System and method for managing stored-value card data
Assignee: E2interactive Inc
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Filing: 2004-04-26
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Granted: 2005-07-19
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Expires: 2024-04-26
Abstract
Abstract A computerized system and method for managing stored-value card data over a communications network between a plurality of terminals and a central processor is provided. Each of the terminals is accessible to respective users and is located in a respective location generally remote relative to the central processor. The stored-value card data is configured to securely process in real time stored-value cards transacted by respective users to enable charging prepaid stored-value services to a recipient of the transacted stored-value card. The method allows for providing a database coupled to the central processor. The method further allows for storing in the database a plurality of records comprising stored-value card data for each stored-value card. An associating step allows for associating in each stored record respective identifiers to uniquely match a respective stored-value card and a respective terminal. The associating step is enabled by assigning a “setup” card to the location and capturing the terminal information when a transaction utilizing that card is made. A transmitting step allows for transmitting a request of stored-value card activation to the central processor from a respective requesting terminal, the central processor configured to accept said activation request based on whether the associated identifiers for the stored-value card to be activated match identifiers actually transmitted by the requesting terminal for that stored-value card and terminal.
Inventors
- 👤 Phillip Craig Graves
- 👤 Merrill Brooks Smith
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-27 18:46
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G06; G06Q; G06Q20/00; G06Q20/08; G06Q20/085; G06Q20/10; G06Q20/102; G06Q20/22; G06Q20/28; G06Q20/30; G06Q20/34; G06Q20/341; G06Q20/343; G06Q20/38; G06Q20/40; G07F7/12; G07F7/122
Claims Analysis
Total Claims: 23
Claim 1
Independent Claim
200 words
A computerized method for managing stored-value card data over a communications network between a plurality of terminals and a central processor, each of said terminals accessible to respective users and located in a respective location generally remote relative to the central processor, the stored-value card data configured to securely process stored value cards transacted by respective users to enable charging prepaid services and/or products to a recipient of the transacted stored-value card, the method comprising: providing a database coupled to the central processor; storing in the database a plurality of records comprising stored-value card data for each stored-value card; processing respective terminal identifiers for each of the plurality of terminals; associating in the database a specific stored-value card with one or more of the plurality of terminal identifiers; and receiving at the central processor a request to activate the specific stored-value card, the activation request being received from a first requesting terminal and comprising a first requesting terminal identifier, wherein the central processor is configured to accept said activation request based on whether the first requesting terminal identifier matches one of the one or more of the plurality of terminal identifiers associated with the specific stored-value card in the database.
Claim 2
Dependent Claim
200 words
A computerized method for managing stored-value card data over a communications network between a plurality of terminals and a central processor, each of said terminals accessible to respective users and located in a respective location generally remote relative to the central processor, the stored-value card data configured to securely process stored value cards transacted by respective users to enable charging prepaid services and/or products to a recipient of the transacted stored-value card, the method comprising: providing a database coupled to the central processor; storing in the database a plurality of records comprising stored-value card data for each stored-value card; processing respective terminal identifiers for each of the plurality of terminals; associating in the database a specific stored-value card with one or more of the plurality of terminal identifiers; and receiving at the central processor a request to activate the specific stored-value card, the activation request being received from a first requesting terminal and comprising a first requesting terminal identifier, wherein the central processor is configured to accept said activation request based on whether the first requesting terminal identifier matches one of the one or more of the plurality of terminal identifiers associated with the specific stored-value card in the database.
Claim 3
Dependent Claim
23 words
The computerized method of claim 1 wherein each of the plurality of terminal identifiers comprises a respective electronic signature for each corresponding terminal.
Claim 4
Dependent Claim
31 words
The computerized method of claim 1 wherein each record stored in the database further includes a parameter indicative of a predefined amount corresponding to the face value of each stored-value card.
Claim 5
Dependent Claim
83 words
The computerized method of claim 1 further comprising: receiving at the central processor a request for incrementing a value associated with the specific stored-value card, said incrementing request being received from a second requesting terminal and comprising a second requesting terminal identifier, wherein the central processor is configured to accept said incrementing request based on whether the second requesting terminal identifier matches one of the one or more of the plurality of terminal identifiers associated with the specific stored-value card in the database.
Claim 6
Dependent Claim
79 words
The computerized method of claim 1 further comprising: receiving at the central processor a request to deactivate the specific stored-value card, said deactivating request being received from a third requesting terminal and comprising a third requesting terminal identifier, wherein the central processor is configured to accept said deactivating request based on whether the third requesting terminal identifier matches one of the one or more of the plurality of terminal identifiers associated with the specific stored-value card in the database.
Claim 7
Dependent Claim
21 words
The method of claim 1 , wherein the stored-value card to be activated may be used for long distance telephone communication.
Claim 8
Dependent Claim
19 words
The method of claim 1 , wherein the stored-value card to be activated may be used for wireless communication.
Claim 9
Dependent Claim
18 words
The method of claim 1 , wherein the stored-value card to be activated may be used for paging.
Claim 10
Dependent Claim
20 words
The method of claim 1 , wherein the stored-value card to be activated may be used for internet-enabled communication service.
Claim 11
Dependent Claim
20 words
The method of claim 1 , wherein the stored-value card to be activated may be used for wireless web access.
Claim 12
Dependent Claim
17 words
The method of claim 1 , wherein the stored-value card to be activated is a gift card.
Claim 13
Dependent Claim
18 words
The method of claim 1 , wherein the stored-value card to be activated is a prepaid gas card.
Claim 14
Dependent Claim
18 words
The method of claim 1 , wherein the stored-value card to be activated is a prepaid grocery card.
Claim 15
Dependent Claim
18 words
The method of claim 1 , wherein the stored-value card to be activated is a prepaid entertainment card.
Claim 16
Dependent Claim
18 words
The method of claim 1 , wherein the stored-value card to be activated is a customer reward card.
Claim 17
Dependent Claim
17 words
The method of claim 1 , further comprising generating reports of transmitted requests of stored-value card activation.
Claim 18
Dependent Claim
33 words
The method of claim 1 , wherein the transmitted request of stored-value card activation from the terminal is first transmitted to a host bank before the request is transmitted to the central processor.
Claim 19
Dependent Claim
213 words
A computer-readable medium encoded with computer program code for managing stored-value card data over a communications network between a plurality of terminals and a central processor, each of said terminals accessible to respective users and located in a respective location generally remote relative to the central processor, the stored-value card data configured to securely process stored-value cards transacted by respective users to enable charging prep aid services and/or products to a recipient of the transacted stored-value card, the program code causing a computer to execute a method comprising: controlling a database coupled to the central processor; storing in the database a plurality of records comprising stored-value card data for each stored-value card; processing respective terminal identifiers for each of the plurality of terminals; associating in the database a specific stored-value card with one or more of the plurality of terminal identifiers; and receiving at the central processor a request to activate the specific stored-value card, the activation request being received from a first requesting terminal and comprising a first requesting terminal identifier, wherein the central processor is configured to accept said activation request based on whether the first requesting terminal identifier matches one of the one or more of the plurality of terminal identifiers associated with the specific stored-value card in the database.
Claim 20
Dependent Claim
213 words
A computer-readable medium encoded with computer program code for managing stored-value card data over a communications network between a plurality of terminals and a central processor, each of said terminals accessible to respective users and located in a respective location generally remote relative to the central processor, the stored-value card data configured to securely process stored-value cards transacted by respective users to enable charging prep aid services and/or products to a recipient of the transacted stored-value card, the program code causing a computer to execute a method comprising: controlling a database coupled to the central processor; storing in the database a plurality of records comprising stored-value card data for each stored-value card; processing respective terminal identifiers for each of the plurality of terminals; associating in the database a specific stored-value card with one or more of the plurality of terminal identifiers; and receiving at the central processor a request to activate the specific stored-value card, the activation request being received from a first requesting terminal and comprising a first requesting terminal identifier, wherein the central processor is configured to accept said activation request based on whether the first requesting terminal identifier matches one of the one or more of the plurality of terminal identifiers associated with the specific stored-value card in the database.
Claim 21
Independent Claim
215 words
A system for managing stored-value card data over a communications network between a plurality of terminals and a central processor, each of said terminals having a terminal identifier and being accessible to respective users and located in a respective location generally remote relative to the central processor, the stored-value card data configured to securely process stored-value cards transacted by respective users to enable charging prep aid services and/or products to a recipient of the transacted stored-value card, the system comprising: a database coupled to the central processor; a storage module configured to store in the database a plurality of records comprising stored-value card data for each stored-value card; an associating module configured to associate in each stored record a respective stored-value card and at least one terminal identifier; a value module configured to define in each stored record a parameter corresponding to the face value of each respective stored-value card; a first processing module configured to receive and process a request of stored-value card activation from a first requesting terminal, the activation request comprising a first requesting terminal identifier, the central processor being configured to accept said activation request based on whether the first requesting terminal identifier matches one of the at least one terminal identifier associated with the specific stored-value card in the database.
Claim 22
Independent Claim
215 words
A system for managing stored-value card data over a communications network between a plurality of terminals and a central processor, each of said terminals having a terminal identifier and being accessible to respective users and located in a respective location generally remote relative to the central processor, the stored-value card data configured to securely process stored-value cards transacted by respective users to enable charging prep aid services and/or products to a recipient of the transacted stored-value card, the system comprising: a database coupled to the central processor; a storage module configured to store in the database a plurality of records comprising stored-value card data for each stored-value card; an associating module configured to associate in each stored record a respective stored-value card and at least one terminal identifier; a value module configured to define in each stored record a parameter corresponding to the face value of each respective stored-value card; a first processing module configured to receive and process a request of stored-value card activation from a first requesting terminal, the activation request comprising a first requesting terminal identifier, the central processor being configured to accept said activation request based on whether the first requesting terminal identifier matches one of the at least one terminal identifier associated with the specific stored-value card in the database.
Claim 23
Dependent Claim
82 words
The system of claim 19 further comprising: a second processing module configured to receive and process a request for incrementing a value associated with the specific stored-value card, said incrementing request being received from a second requesting terminal and comprising a second requesting terminal identifier, wherein the central processor is configured to accept said incrementing request based on whether the second requesting terminal identifier matches one of the at least one terminal identifier associated with the specific stored-value card in the database.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2008-07-18 | 2009-01-17 | 2009-07-19 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2012-07-18 | 2013-01-17 | 2013-07-19 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2016-07-18 | 2017-01-17 | 2017-07-19 | $7700.00 | Window Closed / Lapsed |