US20110137740A1 - Processing value-ascertainable items - Google Patents
Processing value-ascertainable items Download PDFInfo
- Publication number
- US20110137740A1 US20110137740A1 US12/903,987 US90398710A US2011137740A1 US 20110137740 A1 US20110137740 A1 US 20110137740A1 US 90398710 A US90398710 A US 90398710A US 2011137740 A1 US2011137740 A1 US 2011137740A1
- Authority
- US
- United States
- Prior art keywords
- party
- value
- gift card
- balance
- data
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Abandoned
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/342—Cards defining paid or billed services or quantities
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/387—Payment using discounts or coupons
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
Definitions
- the present invention relates to using value-ascertainable items, including stored-value instruments, to purchase goods or services in contexts in which the value-ascertainable items were not previously accepted as payment. More specifically, techniques are provided that allow stored-value instruments issued by one entity to be used to pay for goods or services provided by another entity that is unaffiliated with the issuer. Techniques are also provided to support the sale of stored-value instruments in an unaffiliated environment in a safe and secure manner.
- a stored-value instrument is a financial instrument, usually structured as a means for payment, in which funds are associated with the instrument and not necessarily associated with any individual.
- Other types of financial instruments include credit cards and debit cards.
- Gift and pre-paid cards are a common form of stored-value instrument.
- Gift cards in particular have become extremely popular in recent years. Gift cards essentially relieve the donor of the burden of selecting a specific and individually appropriate gift for the recipient, instead allowing the recipient to choose, from the range of products sold by the issuer, the actual goods or services s/he wishes upon redemption. Most gift cards resemble credit cards in size and composition, although increasingly gift cards are becoming virtualized for delivery and redemption across digital networks. Gift cards also tend to display a specific theme that corresponds to the issuer of the card.
- gift cards are typically identified by a specific number or code
- gift cards are typically not associated with an individual name or account.
- gifts cards can be used by anybody.
- an issuer of gift cards maintains (directly or indirectly) an on-line electronic system for authorization and accounting of gift cards issued by the issuer.
- Some gift cards can be “reloaded” with additional monetary value.
- the funds associated with such gift cards can be depleted and replenished multiple times.
- gift cards can only be used to make purchases from merchants designated by the issuers of the gift cards.
- issuers of the gift cards typically designate themselves.
- a CompanyX's gift card can only be used at a CompanyX's store (whether online or in a “brick and mortar” store).
- the CompanyX's gift card cannot be used to purchase items from CompanyY because CompanyY does not recognize CompanyX's gift card as valid payment. Further, CompanyY is incapable of removing any balance from CompanyX's gift card. In this way, gift cards are considered “closed-loop” stored-value instruments.
- a closed-loop stored-value instrument (or simply “closed-loop instrument”) is typically sold by an individual retailer, serviced by the retailer (or its agents), and is accepted for purchases only at that particular retailer's locations.
- Another characteristic of a closed-loop instrument is that such an instrument is issued by an entity and liability is incurred by the same entity.
- a merchant such as CompanyX
- the gift card may only be used to purchase goods or services from that particular merchant.
- a gift card recipient may not be able to fully utilize the card and put it to its best use.
- the recipient of the gift card may not wish to purchase any of the goods or services offered by the issuer, or may have more of a need to purchase goods or services from another merchant.
- the recipient may prefer to receive the market value for the card in cash or may prefer to deploy the market value of the card against a purchase at another merchant, rather than have the card either expire or simply go unused.
- a holding company may own multiple merchants, and allow its gift cards to be used at any of the merchants that it owns.
- the issuing entity and the entity that incurs the liability are the same. Consequently, even though one of the gift cards issued by the holding company may be labeled with one of its merchants and used to purchase an item from another of its merchants, such gift cards are still closed-loop instruments. With respect to gift cards issued by the holding company, the multiple merchants owned by the holding company are considered to be “inside the loop.”
- an “open-loop” instrument is an instrument that is issued by a bank or other financial institution that has a banking license.
- a banking license requires its holder to comply with general banking regulations to which issuers of closed-loop instruments need not comply.
- Open-loop instruments unlike closed-loop instruments, also may operate over debit or credit networks, carry a network logo (e.g., Visa®), and can be used at any retail location that accepts the payment form.
- Common open-loop instruments include debit cards that are issued by banks and credit cards that are issued by Visa®, MasterCard®, American Express® or Discover®.
- Some instruments may be considered “semi-open” in that they may be accepted by a limited number of different merchants.
- An example of such an instrument is a “mall card” that is accepted by most or all merchants in a particular mall.
- Another example of such an instrument is a “university card” that is accepted by most or all merchants located on or around a particular university's campus.
- These “semi-open” instruments are considered closed-loop because the issuer is not a financial institution that is required to have a banking license and the merchants that accept the instruments are limited to those designated by the issuer of the instrument.
- FIG. 1 is a block diagram that depicts an example system architecture that supports the use of closed-loop instruments to purchase items from a merchant that is “outside of the loop,” according to an embodiment of the invention
- FIGS. 2A-B are flow diagrams that depict a process for allowing a customer to use a closed-loop instrument to purchase items from a merchant that is “outside of the loop,” according to an embodiment of the invention
- FIG. 3 is a flow diagram that depicts a process for exchanging one closed-loop instrument for another, according to an embodiment of the invention
- FIG. 4 is a flow diagram that depicts a process for determining the balance of a gift card, according to an embodiment of the invention
- FIGS. 5A-D are diagrams that depict webpages that are generated during the process of a card holder receiving an offer for a gift card, according to an embodiment of the invention.
- FIG. 6 is a block diagram that depicts a computer system upon which an embodiment of the invention may be implemented.
- a closed-loop stored-value instrument (such as a gift card) is merely one example of a value-ascertainable item. Other examples include baseball cards, rare coins, gems, comic books, etc.
- value-ascertainable item includes closed-loop stored-value instruments, but does not include traditional forms of payment, such as cash, credit cards, and debit cards.
- Virtually any item may be a value-ascertainable item as long as there is an authoritative source for ascertaining the value of the item without the item itself being present.
- the authoritative source may be a recognized “pricing guide” for a particular type of item, or may be empirically derived. For example, the average selling price of identical items in an online auction system may be established as the authoritative source for the value of an item.
- a cell phone may be used to purchase concert tickets and vice versa as long as the value of the cell phone and the value of the concert tickets may be ascertained to a reasonable degree of accuracy.
- a set of music CDs and an item of clothing may be ascertained, then that set of CDs may be used to purchase the item of clothing and vice versa.
- a value-ascertainable exchange service hosts a website where a user (e.g., using a web browser) searches for an item and requests to pay for the item using a second item.
- the VAES determines the value of the second item from an authoritative source.
- the VAES determines an offer for the second item based on the value that the authoritative source provided for the second item.
- the offer value may be greater than, the same, or less than the determined value of the second item. Typically, however, the offer value will be less than the determined value of the second item.
- the VAES applies the offered amount towards the purchase of the first item and the user pays the difference. If the offered amount is more than the price of the first item, then the VAES may pay the full price, and pay the user the difference in the form of cash or credit.
- closed-loop stored-value instruments are a common example of value-ascertainable items.
- the techniques described hereafter include techniques in which a close-loop stored-value instrument is used as a payment means at an outside-the-loop merchant.
- One of the techniques involves using a closed-loop stored-value instrument (i.e., that is issued by one party that does not have a banking license) as a means to pay, in whole or in part, for a purchase from a non-issuing party.
- a CompanyX gift card is used to make a purchase at CompanyY, where CompanyY is outside the loop designated by CompanyX.
- Such a transaction is made possible through an intermediary.
- the intermediary has a business relationship with both the gift card's issuer (which is typically a retailer) and the non-issuing merchant.
- the intermediary facilitates the transaction without having any particular business relationship with the gift card issuer.
- POS Point of Sale
- Online Payment is the use of a gift card to make a purchase in an online setting.
- the customer At check-out, after one or more of the customer's desired items have been scanned for purchase, the customer, using a graphical user interface (GUI) on a display device, selects a drop-down menu that lists multiple merchants, including CompanyX.
- GUI graphical user interface
- the customer selects CompanyX and then enters a number indicated on the CompanyX gift card or swipes the CompanyX gift card through a card reader.
- CompanyY's payment system routes the gift card data to a third party intermediary, referred to hereinafter as a “gift card exchange service,” which in turn routes that information to CompanyX's gift card processing system. Based on the gift card data, the gift card exchange service determines whether the CompanyX gift card is valid and, if valid, determines the balance on the CompanyX gift card.
- the gift card exchange service determines that the gift card is valid and that there is balance remaining on the gift card, then the gift card exchange service sends, to CompanyY's payment system, value data that indicates an amount that CompanyY's payment system may apply to the total purchase price of the scanned items. In other words, the gift card exchange service converts the value of the gift card to an acceptable payment type that CompanyY recognizes.
- gift card is used herein to describe embodiments of the invention, embodiments of the invention are not limited to gift cards or even to cards.
- closed-loop stored-value instruments include pre-paid cards, post-paid cards, smart cards, merchandized credit, layaways, virtual currencies, airline miles, residual insurance values, etc.
- FIG. 1 is a block diagram that depicts an example system architecture 100 that supports the use of gift cards to purchase items from a merchant that is “outside of the loop,” according to an embodiment of the invention.
- FIG. 1 depicts five systems, two of which are from the same party. The five systems include: (1) a customer's web browser 112 that executes on customer's device 110 ; (2) a merchant's web server 122 that executes on merchant system 120 ; (3) a gift card exchange service 130 ; (4) a merchant card program 140 ; and (5) a third party retailer card program 150 , where the third party retailer is the issuer of the gift card in question.
- Merchant system 120 and merchant card program 140 are part of the out-of-loop merchant's payment system.
- Merchant card program 140 may be operated by another party (e.g., First Data ValuelinkTM or Comdata SVSTM ) that provides card management services to multiple merchants that issue their own gift cards.
- Customer device 110 is not limited to any particular device. Non-limiting examples of customer device 110 include a laptop computer, a desktop computer, a cell phone or a PDA.
- gift card exchange service 130 is depicted as a single device in FIG. 1 , gift card exchange service may comprise multiple devices that perform in concert to provide a gift card service to the customer through the merchant.
- a gift card exchange service is an entity that employs a network to facilitate the purchase and sale of closed-loop stored-value instructions, an example of which is gift cards.
- An example of gift card exchange service 130 is Plastic Jungle.
- Network 160 may be implemented by any medium or mechanism that provides for the exchange of data between various nodes in the network. Examples of such a network include, without limitation, a network such as a Local Area Network (LAN), Wide Area Network (WAN), Ethernet, and/or the Internet, and/or one or more terrestrial, satellite, or wireless links.
- the network may include a combination of networks such as those described.
- the network may transmit data according to Transmission Control Protocol (TCP), User Datagram Protocol (UDP), and/or Internet Protocol (IP), for example.
- TCP Transmission Control Protocol
- UDP User Datagram Protocol
- IP Internet Protocol
- FIGS. 2A-B are flow diagrams that depict a process 200 for allowing a customer to use a gift card to purchase items from a merchant that is “outside of the loop,” according to an embodiment of the invention.
- Process 200 is described in the context of “Online Payment,” i.e., where a gift card is used to make a purchase in an online environment, as opposed to POS Payment, described above.
- Online Payment i.e., where a gift card is used to make a purchase in an online environment, as opposed to POS Payment, described above.
- many of the steps in process 200 that are performed by gift card exchange service 130 in the online payment scenario are also performed by gift card exchange service 130 in the POS Payment scenario.
- FIG. 2 is an example of an online check-out flow at an outside-the-loop merchant's website.
- Process 200 begins at step 202 , where web browser 112 displays a payment page (provided by merchant web server 122 or, alternatively, by gift card exchange service 130 acting as a payment service operator) that allows the user to enter payment information in order to complete a purchase of one or more items, whether goods, services, or non-traditional items such as virtual currency used in online gaming.
- the payment page includes page elements that allow the consumer to (a) select a third party retailer from among a plurality of third party retailers and (b) enter information of a gift card issued from the selected third party retailer.
- the page elements may be a drop down menu, a set of radio buttons, or any other visual model.
- the customer enters information that identifies the gift card, such as the gift card's number and, if necessary, a personal identification number (PIN).
- the customer then submits the gift card information.
- the customer may have an account with the gift card exchange service 130 , and the customer may enter information that identifies the customer.
- the gift card exchange service 130 may determine which gift cards the customer has available for use.
- the gift card number, or the customer's identity are merely examples of the type of information that may be used by the gift card exchange service 130 to determine the gift card(s) that are involved in the transaction.
- the customer desires to use a single gift card to make the purchase.
- the customer may alternatively specify and use multiple gift cards during a single purchase.
- Step 206 merchant's web server 122 receives the gift card information, including data that identifies the third party retailer. Step 206 also includes merchant web server 122 sending an offer request to gift card exchange service 130 to obtain, for the customer, an offer for the gift card.
- card information that is sent between web server 122 and gift card exchange service 130 and between gift card exchange service 130 , merchant card program 140 , and third party retailer card program 150 is first secured.
- a non-limiting example of a protocol that parties 120 , 130 , 140 , and 150 may rely on for secure data transmission over a network is HTTPS.
- gift card exchange service 130 performs a validation step based on the data in the request.
- Gift card exchange service 130 may “validate” the third party retailer, the outside-the-loop merchant, or both, in step 208 .
- gift card exchange service 130 may determine whether the outside-the-loop merchant that sent the request is an outside-the-loop merchant that gift card exchange service 130 recognizes as a merchant. If so, gift card exchange service 130 may determine, based on the request, whether the pending transaction is “in-store” or on-line.
- gift card exchange service 130 may determine not to proceed with generating an offer for the third party retailer gift card without additional data, such as a PIN.
- gift card exchange service 130 might determine not to proceed with generating an offer for the third party retailer gift card.
- gift card exchange service 130 may determine whether the third party retailer is a retailer that gift card exchange service 130 recognizes as a retailer. Additionally, gift card exchange service 130 may determine whether the entered gift card number (and optionally PIN) has the correct format known for that third party retailer. If gift card exchange service 130 determines that the gift card is not valid, then gift card exchange service 130 may reply to the request in step 206 with an error message (e.g., that indicates that the submitted gift card information is not valid). Merchant web server 122 , in response, would provide an error message to web browser 112 to be displayed to the customer.
- an error message e.g., that indicates that the submitted gift card information is not valid.
- gift card exchange service 130 may determine whether the gift card belongs to a list of blacklisted card numbers that are suspected of being acquired through fraudulent means. This blacklist may be maintained by gift card exchange service 130 or the issuing merchant or both. In addition to blacklisting a specific card number, the validation logic can be (a) built around any attribute of the card, issuing merchant, or out-of-the-loop merchant and (b) determined by the gift card exchange service 130 or issuing merchant.
- gift card exchange service 130 determines that the gift card is valid, then, at step 210 , gift card exchange service 130 sends a balance request to retailer card program 150 (or alternatively, to a third party card management service, such as First DataTM or SVSTM discussed previously).
- the balance request includes the gift card number and, optionally, a PIN.
- gift card exchange service 130 receives, from retailer card program 150 (or third party card management service), a balance response message to the balance request sent in step 210 .
- gift card exchange service 130 analyzes the balance response message to determine whether the gift card is valid.
- the gift card could be determined to be invalid in step 214 and not in step 208 if the gift card number entered by the customer has the correct format for the retailer but (a) the gift card number does not exist, (b) the gift card had expired, (c) the gift card no longer has a balance, (d) the gift card has been deactivated, or (e) the gift card has been marked for fraud. If the response in step 214 indicates that the gift card is invalid, then an error report is generated and sent from retailer card program 150 to gift card exchange service 130 .
- Gift card exchange service 130 might handle the error or change the error code and description and send an error to merchant system 120 .
- Step 215 A the customer is presented an option to reenter details about the gift card. If the customer selects the option, then the process proceeds to step 204 . If the customer does not selection the option, then process 200 proceeds to step 290 where an existing checkout process is utilized, i.e., without using the gift card.
- step 212 If the balance response message received in step 212 indicates that the gift card is valid, then the balance response message indicates a balance for the gift card and process 200 proceeds to step 216 .
- gift card exchange service 130 generates, based on the balance for the gift card, an offer for the gift card.
- the value specified in the offer (referred to herein as the “offer value”) may be greater than, less than, or equal to the balance indicated in the response received in step 212 . In most cases, the offer value is likely to be less than the balance of the gift card. For example, for a $100 CompanyX card, gift card exchange service 130 might offer $90.
- the offer value may be the same as or more than the balance on the gift card.
- gift card exchange service 130 might offer $100 for a $100 CompanyX gift card.
- gift card exchange service 130 might offer a $110 for a $100 CompanyX gift card.
- the offer value may be in a different currency.
- gift card exchange service 130 takes into account one or more factors (other than the balance of the gift card) to determine an offer for the gift card. These factors are not limited to the Online Payment or POS Payment scenarios. In fact, these factors may be used whenever an offer for a customer's gift card is determined.
- One factor may be physical presence of the gift card.
- the offer would be greater than if the customer were purchasing one or more items online and enters the gift card information into a user interface (e.g., a web browser).
- a user interface e.g., a web browser.
- an offer for a $100 “physical” gift card may be $90 whereas an offer for a $100 “virtual” gift card may be $80.
- Other factors to determine how much the gift card exchange service offers for a gift card may be related to information known about the customer.
- Non-limiting examples of such factors include credit score of the customer, whether the customer has registered with the entity that operates gift card exchange service 130 , and whether the customer has agreed to have his/her credit card charged in case the customer (or someone else) attempts to use the gift card after acceptance of the offer. This last factor is important in the scenario where gift card exchange service 130 does not “lock” the gift card upon the customer's acceptance of the offer, where locking ensures that the gift card's balance cannot be reduced.
- an “offer engine” operated by gift card exchange 130 presents to a customer multiple offers for a single gift card during the same transaction.
- the multiple offers may presented all at once or sequentially.
- the user may be presented with several dollar amounts, and the actions that must be taken to qualify for those dollar amounts.
- the offer engine may indicate:
- the user may have more incentive to provide the additional information required to obtain the better offers.
- a customer that provides credit/debit card information obtains a better offer because the gift card exchange service 130 may debit the credit card in case the customer does not keep to any agreements entered into with gift card exchange service 130 .
- a customer that is registered with the gift card exchange service 130 is entitled to a better offer because the customer represents less risk to the gift card exchange service 130 (assuming that the customer has a problem-free history of gift card purchases and/or trade-ins).
- a customer may receive from the offer engine a $75 “current offer” for the $100 gift card. If the customer signs into an account at the gift card exchange service 130 , the current offer may increase to $85. If the customer then registers credit card information, the current offer may increase to $90.
- the offers presented by the offer engine may be monetary (e.g. $70 for a $100 gift card) or non-monetary.
- the offer engine could offer a gift card issued by Retailer B worth $80 in goods and services at Retailer B, or offer to load talk time into a mobile phone plan for the customer worth $90.
- the offers presented by the offer engine may even be combinations of monetary and non-monetary items.
- the offer engine may present the following offers for a $100 gift card for Retailer A:
- a card holder using a web browser, sends a request for a “balance inquiry” web page from a website of the third party retailer.
- the balance inquiry web page will typically have controls that allow the card holder to enter information that uniquely identifies a gift card.
- the information entered by the user is sent back to the website of the third party retailer.
- the website responds by sending back a “current balance” web page to the card holder.
- the current balance web page indicates the current balance associated with the gift card.
- gift card exchange service 130 instead of sending a balance request to retailer card program 150 (or alternatively, to a third party card management service) in step 210 , gift card exchange service 130 makes use of the balance inquiry mechanism that the third party retailer makes available to card holders.
- a process executed by the gift card exchange service (referred to herein as a “balance inquiry bot”) interacts with the website of the third party retailer in the same manner as a card holder, to retrieve the balance inquiry web page, fill out the balance inquiry web page, receive the current balance web page, and extract the current balance amount from the current balance web page.
- the balance inquiry bot needs to parse the web pages it receives from the third party retailer's website in order to extract specific pieces of information (e.g. the current balance), the process performed by the balance inquiry bot is referred to as “Web data harvesting.”
- Web data harvesting simulates human Web browsing.
- step 210 may involve gift card exchange service 130 (or another process) using a balance inquiry bot to request and receive a balance inquiry webpage of the third party retailer's website.
- the balance inquiry webpage includes one or more text entry fields for entering necessary card information, such as a gift card number and a PIN.
- the balance inquiry bot enters the necessary card information based on information received from the card holder and submits the card information to the retailer's website.
- gift card exchange service 130 receives, in response to the submission, a current balance webpage that contains data indicating the current balance of the gift card and analyzes the second webpage to extract from the web page the text that indicates the current balance. If the card number and/or PIN of the gift card are invalid, then the second webpage will so indicate. Additional details related to “Web data harvesting” are described below.
- gift card exchange service 130 can use publicly available information to determine the current balance of a gift card without gift card exchange service 130 having to integrate with a retailer's card program.
- Embodiments of the invention are not limited to any particular means or mechanism for determining the current balance of a gift card. For example, instead of submitting a request for a webpage of the third party retailer's website, gift card exchange service 130 might submit a SQL query to a relational database that stores balance information of a number of gift cards issued by the retailer.
- gift card exchange service 130 generates a unique token at step 216 , which gift card exchange service 130 associates with the offer and the gift card information.
- Step 216 also comprises sending the offer and token to web server 122 .
- a token One purpose for a token is to associate the offer with a lifetime. As long as gift card exchange service 130 recognizes the token, gift card exchange service 130 will honor the offer.
- the lifetime of a token (and, thus, the lifetime of the offer) may only be a few minutes or less.
- the lifetime of a token may be a number of days. This difference in respective lifetimes reflects the difference in how online sessions may last compared with in-store purchases where the time to deliberate on which manner of payment will be used is relatively short.
- Another purpose for a token is to prevent the gift card information from potentially being stolen if the outside-the-loop merchant's systems are compromised, e.g., by a hacker. Because gift card exchange service 130 maintains an association between a token and a third party retailer's gift card information, the outside-the-loop merchant does not need to store the gift card information as long as the outside-the-loop merchant retains the token.
- the card information or some other identifier may be used to keep track of the card and corresponding offer.
- merchant web server 122 forwards the offer to web browser 112 to be displayed to the customer at step 220 .
- step 222 the customer submits data (e.g., via a keyboard entry or a mouse click on a UI control) that indicates that the customer either accepts or rejects the offer. If the customer rejects the offer, then process 200 proceeds to step 290 where an existing checkout process is utilized, i.e., without using the gift card. For example, web browser 112 might display a page that allows the customer to enter credit card information in order to complete the purchase.
- the process proceeds to the accept offer stage, which begins at step 224 .
- merchant web server 122 receives, from web browser 112 , data that indicates that the customer accepted the offer. In response to this data, web server 122 sends an accept offer message to gift card exchange service 130 .
- the accept offer message may include the token and offer ID that gift card exchange service 130 generated in step 216 .
- gift card exchange service 130 receives the accept offer message.
- the accept offer message includes the retailer gift card information instead of the token.
- an accept offer message may not be needed to complete the transfer of balance.
- step 226 also comprises gift card exchange service 130 retrieving a new merchant gift card number (and, optionally, a PIN).
- the new merchant gift card number identifies an inactive account that has a zero balance.
- the new merchant gift card number may be from a list of valid numbers that gift card exchange service 130 maintains for the outside-the-loop merchant and that the outside-the-loop merchant previously provided to gift card exchange service 130 , or may be generated by a coupon engine or other means to accept value at checkout.
- the new merchant gift card number may be requested (not shown) from merchant web server 122 (or another process executing on a device maintained by the outside-the-loop merchant) that stores valid gift card numbers.
- the new gift card number represents a virtual gift card from the outside-the-loop merchant. The virtual gift card might not be activated or involved in processing the transaction.
- gift card exchange service 130 registers the token, the new merchant gift card number, and, optionally, the PIN by storing an association between the token and the new merchant gift card number.
- Step 228 also comprises gift card exchange service 130 sending the token, the new merchant gift card number, and PIN to merchant web server 122 .
- merchant web server 122 receives the token, new merchant gift card number, and PIN as a response to the accept offer message sent in step 224 .
- Step 232 merchant web server 122 adds the new gift card number and PIN to the collection of gift card numbers that are recognized by the outside-the-loop merchant.
- Step 232 also comprises merchant web server 122 sending data that updates the total purchase price to reflect the offer value that is applied to the total purchase price. For example, if the total purchase price is $200 and the offer value for a $100 gift card is $90, then the updated total purchase price will be $110. As another example, if the total purchase price is $80 and the offer value is $90, then the total purchase price will be $0. The scenario in which the offer value is greater than the total purchase price is described in more detail below.
- web browser 112 adjusts the total purchase price based on the data sent from merchant web server 122 .
- the third party retailer gift card is not modified and the balance of the gift card is not locked. Therefore, the customer has not lost any value associated with the gift card.
- the new merchant account identified by the new merchant gift card number is still inactive and has a zero balance. Thus, there is no change in liability associated with the new merchant account.
- gift card exchange service 130 stores, for a period of time, acceptance data that indicates acceptance of the offer. Such persistence allows the customer to modify his/her cart after acceptance of the offer and before completion of the purchase.
- the acceptance data may be used in a different session between web browser 112 and web server 122 . For example, the customer may choose to not complete the purchase. Later, while attempting to make another purchase (e.g., of the same or different items), the customer may enter in the same third party gift card information as entered in step 204 during a previous session. Gift card exchange service 130 may then determine that the gift card information is the same gift card information entered in the previous session and, based on the acceptance data, provide the same offer (via web server 122 ) to the customer.
- the customer submits the order, which step comprises web browser 112 sending submission data to merchant web server 122 .
- the submission data indicates that the customer submitted the order.
- process 200 proceeds to step 290 .
- the third party gift card is still not modified.
- the customer may use the full balance on the third party gift card for another purchase, whether at the third party retailer or another outside-the-loop merchant.
- the virtual gift card remains inactive with a zero balance.
- the card number associated with the virtual gift card may be used for a subsequent transaction and associated offer. Therefore, in the case of customer abandonment of the purchase, there is no change in the financial value of any stored-value instruments.
- step 238 in response to receiving the submission data, merchant web server 122 sends a process offer request to gift card exchange service 130 .
- the process offer request includes the token (generated in step 216 ) and/or the new merchant gift card number, and, optionally, the PIN (retrieved in step 230 ).
- gift card exchange service 130 retrieves the retailer gift card information using the token included in the request of step 238 .
- gift card exchange service 130 stores an association between the token and the third party retailer gift card information.
- gift card exchange service 130 sends a lock balance request to retailer card program 150 to lock the balance on the third party retailer gift card (or, alternatively, to zero out the balance).
- the lock balance request includes any information that is needed to identify the third party retailer gift card, such as the retailer gift card number and, optionally, PIN. Once the retailer gift card is locked, then no other party (including the retailer) can use the funds associated with the retailer's gift card. The locked gift card acts as a deactivation of the gift card.
- gift card exchange service 130 receives, from retailer card program 150 , a lock balance response message that indicates (1) that the balance is locked and (2) the balance of the third party retailer gift card. In an embodiment, some of the balance is used and the remaining balance is retained and useable.
- gift card exchange service 130 determines whether the balance indicated in the response received in step 244 (referred to as the “post-offer balance”) is the same as the balance indicated in the response received in step 212 (referred to as the “pre-offer balance”). If not, then gift card exchange service 130 sends, to merchant web server 122 , an error message that indicates an error occurred. In turn, merchant web server 122 provides an error message to web browser 112 , which displays the error message to the customer in step 247 A. At step 247 B, the customer is presented an option to reenter details about the third party gift card or another third party gift card. If the customer selects the option, then the process proceeds to step 204 . If the customer does not select the option, then process 200 proceeds to step 290 where an existing checkout process is utilized, i.e., without using the gift card.
- the post-offer balance may be different than the pre-offer balance is that there is an attempt to use the third party gift card to purchase another item after the balance request is processed by retailer card program 150 and before the lock balance request is processed by retailer card program 150 .
- a person attempts to use a CompanyX gift card to purchase an item online from CompanyY. After the person receives an offer for the CompanyX gift card, the person does not respond to the offer for a few minutes, hours, or days. While the offer is still pending, the same or different person attempts to the use the same CompanyX gift card to purchase another item, whether from CompanyX or another outside-the-loop merchant.
- step 248 gift card exchange service 130 uses the token received in step 240 (and generated in step 216 ) to retrieve the new gift card data retrieved in step 226 .
- gift card exchange service 130 sends a load request to merchant card program 140 .
- the load request includes the new gift card number and the offer value.
- merchant card program 140 loads the offer value onto the account associated with the new gift card number.
- the stored-value instrument associated with the account is referred to herein as a virtual gift card.
- gift card exchange service 130 receives, from merchant card program 140 , a response (to the request in step 250 ) that indicates that the load operation completed successfully.
- gift card exchange service 130 creates a record that stores details of the completed transaction and stores the record in a transaction log.
- merchant web server 122 receives, from gift card exchange service 130 , a response to the process offer request sent to gift card exchange service 130 in step 238 . If the pre-offer balance is the same as the post-offer balance and offer value was successfully loaded onto the virtual gift card, then the process proceeds to step 258 where merchant web server 122 continues with the checkout process.
- Step 258 represents the final checkout stage where the customer may complete or abandon the purchase.
- the customer may complete the purchase by, e.g., selecting a “Complete Purchase” button displayed by web browser 112 .
- Step 258 may further comprise merchant system 120 debiting at least a portion of the balance on the virtual gift card as payment for the intended purchase.
- gift card exchange service 130 like the outside-the-loop merchant, is not “part of the loop” associated with a third party gift card. Importantly, however, gift card exchange service 130 performs a number of actions with respect to a gift card that previously have only been performed by the issuer of the gift card. Such actions include activating a gift card, determining the balance of the gift card, locking the balance of the gift card, redeeming the value of the gift card, reloading value onto the gift card, and transferring the balance of the gift card.
- step 256 may further comprise sending, to web browser 112 , display data that requests verification of other information about the customer, such as a mailing address and/or other contact information.
- the display data sent to web browser 112 might confirm that the online transaction is complete and that the item(s) purchased will be delivered (e.g., electronically or via mail).
- merchant web server 122 may send, to web browser 112 , data about the virtual gift card (i.e., new merchant gift card number and PIN) to be displayed to the customer.
- the outside-the-loop merchant may send an email to an email address of the customer where the email contains the virtual gift card information.
- the outside-the-loop merchant might mail, to a mailing address of the customer, a physical gift card that corresponds to the virtual gift card.
- step 256 may further comprise sending, to web browser 112 , display data that requests the customer to submit additional payment information (e.g., a credit card number) to pay for the difference between the offer value and the original total purchase price.
- additional payment information e.g., a credit card number
- the single purchase of one or more items using two different payment instruments is known as a “split tender.”
- FIG. 2 is one example of a checkout flow, which is modified from a “normal” checkout flow where cash, check, a credit card, or a debit card is used.
- a gift card of an issuing merchant is presented as payment for one or more items sold by an out-of-the-loop merchant
- the card holder is presented with an interface provided by a gift card exchange service, where the gift card exchange service accepts payment.
- web server 122 directs the user to a web page provided by gift card exchange service 130 .
- the gift card exchange service 130 directly receives (i.e., via web browser 112 , but not via web server 122 ) all data entered by the user and directly sends (i.e., via web browser 112 , but not via web server 122 ) any response data directly to customer device 110 .
- gift card exchange service 130 At the end of a successful payment received by gift card exchange service 130 , gift card exchange service 130 notifies web server 122 (or another computing element of the out-of-the-loop merchant). Gift card exchange service 130 remits payment to the non-issuing merchant upon completion of the transaction with the user or at some later time.
- a user indicates, via a user interface presented at checkout, an option to pay by credit card, debit card, or a gift card exchange service, such as gift card exchange service 130 .
- a gift card exchange service such as gift card exchange service 130 .
- the user is presented with a user interface provided by the gift card exchange service.
- the user interface instructs the user to scan the user's gift card. If the offer value for the gift card is less than the total purchase price at checkout, then the user pays for the difference by swiping a credit or debit card (or other form of payment) that the gift card exchange service accepts.
- third party gift cards may be used to purchase other non-traditional items, examples of which are nearly limitless.
- One popular example of a non-traditional item is virtual currency, which many online games employ.
- an online GameX operated by CompanyZ may allow players to manage a virtual farm by planting, growing, and harvesting virtual crops and trees, and raising virtual livestock.
- the GameX may be based around a virtual market, where different virtual items can be purchased, including seeds, trees, animals, buildings, decorations, vehicles, and more land. Such purchases may be made using (1) “farm coins,” which is the generic money of GameX (which is earned by selling crops) or (2) “farm cash,” which a player earns based on the player's experience level.
- a player can also choose to buy GameX coins or cash from CompanyZ using an open-loop instrument such as a credit card.
- an online game allows a player to enter details of a third party gift card owned by the player and receive virtual currency in exchange.
- a player of GameX might enter the details of a CompanyZ gift card with a balance of $100 and, via messaging with gift card exchange service 130 (similar to the process described above), receive 1000 “farm coins” or $1000 in “farm cash.” In this manner, any discount on the value of the gift card may be transparent to the user.
- a holder of a third party gift card may use the gift card to purchase a good or service from a outside-the-loop merchant without being notified of the actual dollar value represented by the purchased good or service.
- a CompanyX gift card with a $100 balance may be exchanged for 40 weeks of a video service provided by a company that has no relationship with CompanyX.
- embodiments of the invention are not limited to the scenario where a holder of a third party gift card is attempting to purchase one or more items from another outside-the-loop merchant.
- a holder of a gift card might desire to exchange the holder's gift card for another merchant's gift card.
- a holder of a CompanyX gift card might want to exchange the CompanyX gift card for a CompanyY gift card.
- an intermediary such as gift card exchange service 130
- FIG. 3 is a flow diagram that depicts a process for exchanging one closed-loop stored-value instrument (or gift card) for another, according to an embodiment of the invention.
- the steps of process 300 are performed from the perspective of a gift card exchange service, such as gift card 130 , that is “outside of the loop” with respect to both the exchanged gift card and the exchanged-for gift card.
- a gift card exchange service sends, to the user, first retailer data that identifies a first plurality of retailers.
- sending data to a user is shorthand for sending data to a device that is operated by the user.
- receiving data from a user is shorthand for receiving data from a device that is operated by the user.
- the gift card exchange service receives, from the user, selection data that indicates a selection of a first retailer from the first plurality of retailers.
- the gift card exchange service receives, from the user, card data that indicates a gift card that is issued by the first retailer.
- This card data may include a number and a PIN associated with the gift card.
- steps 310 and 320 are optional and the process begins at step 330 .
- the gift card exchange service determines, based on the card data, a monetary value associated with the gift card.
- the gift card exchange service sends, to the user, second retailer data that identifies a second plurality of retailers from which the user may select.
- the second plurality of retailers may be the same as or different than the first plurality of retailers.
- the gift card exchange service receives, from the user, selection data that indicates a selection of a second retailer of the second plurality of retailers.
- the second retailer is different than the first retailer. This selection indicates the user's intent to exchange his/her gift card for a gift card issued by the second retailer.
- the gift card exchange service sends, to the user, card data that identifies one or more gift cards that are issued by the second retailer.
- the gift card exchange service receives, from the user, purchase data that indicates the user's intention to exchange the user's gift card for one of the offered gift cards in step 370 .
- step 350 may comprise the gift card exchange service sending, to the user, exchange data that identifies a plurality of gift cards from which the user may select.
- the plurality of gift cards may be issued by a plurality of different retailers.
- the gift card exchange service receives (in place of steps 360 and 370 ), from the user, selection data that indicates a selection of a particular gift card from among the plurality of gift cards.
- the gift card exchange service hosts a web server that provides web pages in response to HTTP requests from client devices.
- a card holder operates a network device and causes the network device to request a web page from the gift card exchange service's web server.
- the web page includes a mechanism, (e.g., a drop down menu) to allow the card holder to select, from among a first plurality of retailers, the party that issued the card holder's gift card.
- the web page includes one or more fields into which the holder may enter the gift card number and PIN.
- the same (or subsequent web page, depending on the implementation) provides a mechanism to allow the user to select, from among a second plurality of retailers (e.g., via another drop down menu), a second party that issues gift cards.
- One of the gift cards owned by the gift card exchange service and issued by the second party will be presented to the card holder for selection.
- the gift card exchange service determines a gift card from another retailer (i.e., one “outside of the loop” with respect to the card holder's gift card) to provide to the card holder by sending the gift card data to the card holder's network device.
- the gift card exchange service may determine the gift card based on input from the card holder's network device or automatically based on other factors. For example, the card holder may select one or more gift cards for which the card holder may desire to exchange his/her gift card.
- the gift card exchange service may determine one or more gift cards to provide, to the card holder, as options for exchange based on the balance of the card holder's gift card, the availability and balance of other gift cards owned by the gift card exchange service, and/or a profile of the card holder. For example, based on previous business interactions with the card holder, the gift card exchange service accesses data that identifies which gift cards (including the retailers and balances of the gift cards) the card holder has purchased from the gift card exchange service in the past.
- the card holder has purchased, from the gift card exchange service, a number of $100 CompanyY gift cards, then it is likely that, with a $100 CompanyX gift card, the holder may wish to exchange his/her gift card for a $100 (or similar amount) CompanyY gift card.
- the gift card exchange service may make an offer for a card holder's gift card where the value of the sought-for gift card is less than, the same as, or more than the balance on the card holder's gift card.
- the gift card exchange service might offer a $90 CompanyY gift card for a $100 CompanyX gift card.
- the gift card exchange service might offer a $100 CompanyY gift card for a $100 CompanyX gift card.
- the gift card exchange service might offer a $110 CompanyY gift card for a $100 CompanyX gift card.
- a card holder might want to receive cash (or other currency) for his/her gift card from a party that is different than the party that issued the gift card, i.e., without the card holder purchasing any items from the issuing party. In this way, although balance remains on the gift card, the gift card is “redeemed” from the perspective of the card holder.
- a card holder may present his/her gift card for “redemption” in a POS (point of sale) environment or an online environment. For example, in a POS environment, a card holder may present her gift card in a pawn shop, at a kiosk or ATM, or in a merchant's store, each of which is “outside of the loop” with respect to the issuer of the gift card).
- a card holder may enter, via a web browser or another software application, information that uniquely identifies his/her gift card and cause that gift card information to be sent, over a network, to an entity that is “outside of the loop” with respect to the issuer of the gift card.
- the entity that receives the gift card information from the card holder determines the validity and balance of the gift card or contracts with another entity that makes the determination.
- FIG. 4 is a flow diagram that depicts an example process 400 for determining the balance of a gift card, where the process relies on Web data harvesting, according to an embodiment of the invention.
- a single entity such as a gift card exchange service
- the steps of process 400 may be performed by multiple entities that are associated with each other. For example, a gift card exchange service might rely on another process or service to determine the balance on a gift card.
- a gift card exchange service receives information that uniquely identifies a gift card and that is sufficient to determine the balance on the gift card.
- the gift card exchange service may receive this information (a) from the card holder through a web interface (e.g., a web browser of the card holder sending data to a web server of the gift card exchange service) provided by the gift card exchange service or (b) from another party, such as a pawn shop, an ATM, or kiosk to which the card holder presented his/her gift card.
- FIG. 5A depicts a webpage 502 generated by the gift card exchange service and displayed at a client device, according to an embodiment of the invention.
- Webpage 502 includes a text entry field for identifying the issuer of the gift card, a text entry field for the gift card number, and a text entry field for a PIN, if any.
- the gift card exchange service receives the gift card information in response to user selection of the “Continue” button.
- a balance inquiry bot controlled by the gift card exchange service requests and receives a first webpage from a web server of the issuer of the gift card.
- FIG. 5B depicts a webpage 504 generated by the issuer of the gift card, which issuer is chili'sTM in this example.
- Webpage 504 is an example of this “balance inquiry webpage” referred to in step 420 .
- the balance inquiry bot analyzes the first webpage to identify, within the first webpage, one or more text entry fields into which the gift card information is to be entered.
- One text entry field might be for a card number while another text entry field might be for a gift card's PIN.
- the balance inquiry bot enters the gift card information in the appropriate one or more text entry fields of the webpage.
- webpage 504 includes a text entry field for the gift card number.
- step 440 the gift card exchange service selects a button or other submission means in the webpage to cause the gift card information to be sent to the web server of the issuer of the gift card.
- webpage 504 includes a “Check Balance” button.
- the gift card exchange service receives a second webpage from the web server and analyzes the second webpage to determine whether the gift card is valid and what the current balance is on the gift card.
- FIG. 5C depicts a webpage 506 generated by a web server operated by chili'sTM.
- Webpage 506 indicates that the current balance of the gift card (identified by the gift card number entered in webpage 502 of FIG. 5A ) is $100. Because a current balance is indicated, the gift card is valid.
- Steps 420 - 450 may be performed by another entity with which the gift card exchange service contracts to perform the retrieval of the balance of the gift card through publicly available means.
- Publicly available means indicates that no username or password is required to obtain balance information about the gift card.
- FIGS. 5B and 5C illustrate, “publicly available means” might include a website that is accessible by a web browser executing on a client device.
- step 460 if the gift card is determined to be valid and has a positive balance, then gift card exchange service determines an amount to offer the card holder (or other party that accepted the gift card). For example, FIG. 5D depicts a webpage 508 that indicates that the gift card exchange service offers the card holder $85 for the $100 chili'sTM gift card.
- the attendant might swipe the gift card through a card reader that sends the gift card data to the gift card exchange service, which might offer the pawn shop $85 for the gift card.
- the pawn shop attendant might offer a lower amount for the gift card, such as $50.
- a kiosk or ATM may be in the role of the pawn shop in reading the gift card data, receiving an offer from the gift card exchange service, and providing, to the card holder, its own offer for the gift card.
- a card holder effectively trades in his/her gift card for dollars (or other cash currency, such as the Euro).
- a card holder might trade in his gift card for airline miles, virtual currency, or practically any other item (virtual or not) that the card holder values (or vice versa, e.g., airline miles for merchant currency) and that the gift card acceptor (e.g., outside-the-loop merchant, pawn shop, ATM, kiosk, etc.) can provide.
- CAPTCHA is a type of challenge-response test used in computing to ensure that the response is not generated by a computer. The test usually involves an automated process asking a user to complete a simple test which the automated process is able to generate and grade. Because other automated processes are unable to solve the CAPTCHA, any user entering a correct solution is presumed to be human.
- the CAPTCHA challenge may involve an image, video, or audio, or any combination thereof.
- a common type of CAPTCHA requires that the user type letters or digits from a distorted image that appears on the screen. If the user enters the correct letters and/or digits, then the user is provided the information that the user requested.
- the balance inquiry bot copies the CAPTCHA challenge from a webpage generated by a web server of the card issuer.
- the gift card exchange service then causes the CAPTCHA challenge to be presented to the user, e.g., via a webpage.
- the CAPTCHA challenge would be displayed to the user after the gift card exchange service receives webpage 504 and before submission of the gift card number to the web server of the issuer.
- the gift card exchange service receives the CAPTCHA response (whether text or audio) from the user and causes the response to be sent to the card issuer's website along with the gift card information received from (e.g., entered by) the card holder.
- a gift card exchange service might come into the possession of hundreds or even thousands of gift cards, each of which has a significant balance.
- “Possession” of a gift card may include (a) actual possession of the physical gift card or (b) electronic storage of information that identifies the gift card, such as the gift card's number and any PIN, without actual possession of the physical gift card.
- the gift card exchange service might use the gift cards without end users ever knowing about the gift cards while the end users are making purchases.
- a user visits the website of CompanyX, identifies three items to purchase, and continues to the checkout phase of the payment flow where the user is presented an option on how to pay for the three items, which totals $100.
- a browser plug-in acting for the gift card exchange service and executing on the user's computing device, detects a specific condition. The condition may be that the user has navigated to the website of CompanyX, or that the user is about to make a payment to CompanyX.
- the browser plug-in identifies that CompanyX is the merchant and, in response, notifies the gift card exchange service, which, in turn, identifies a gift card (a) that CompanyX issued and (b) that the gift card exchange service currently possesses.
- the gift card has a current balance of $100.
- the gift card exchange service purchased the gift card from another user for $90.
- the gift card exchange service then sends instructions to the browser plug-in to offer the user a 5% discount on the $100 purchase. If the user accepts, then the browser plug-in may direct the user to a webpage of the gift card exchange service, or cause a form to be displayed where the user can enter payment information, such as credit card or a debit card of the user.
- the user pays the gift card exchange service $95 and the gift card exchange service applies the $100 gift card to the purchase of the three items.
- a user instructs a web browser to access a website of CompanyX.
- a browser plug-in of a gift card exchange service generates a message that is subsequently displayed to the user and that indicates that the user can receive immediate discounts up to $10 off.
- a gift card exchange service may own (1) a $10 gift certificate from CompanyX that it purchased for $9, (2) a $50 gift certificate from CompanyX that it purchased for $45, and (3) a $100 gift card that it purchased for $90.
- the browser plug-in generates another message that indicates that the user can receive 50 cents off any purchase over $10, $2 off any purchase over $50, and $5 off any purchase over $100.
- the user intends to make a purchase of one or more items totaling $152.
- the gift card exchange service applies a $147 charge to the user's credit card.
- the gift card exchange service also pays for the purchase using the $100 gift card, the $50 gift certificate, and $2 cash.
- the user receives a $5 discount, and the gift card exchange service obtains $147 in exchange for $137 ($90+$45+$2).
- a gift card exchange service receives a gift card data from a card holder and, in exchange for the gift card, funds (or upload value to) a pre-existing account of the card holder.
- a pre-existing account include a PayPalTM account, a FacebookTM credits account, or a wireless phone account.
- the value of the purchase by the gift card exchange service is used to increase the balance of an account of the card holder, whether the balance is in dollars or another currency, including virtual currency.
- a card holder sends, to a gift card exchange service (e.g., through a web interface), information that identifies a gift card of the card holder.
- the gift card was issued by CompanyX and has a current balance of $100.
- the gift card exchange service in exchange for the gift card, offers to pay $90 to the card holder's utilities account, which will be applied by the card holder's utility company to pay for a pending water bill of the card holder.
- a gift card exchange service offers an “e-code” to a card holder in exchange for the card holder's gift card.
- An “e-code” is a value that a gift card exchange service associates with (a) information that identifies the gift card or (b) information that identifies the transaction (i.e., the exchange of the gift card for an e-code).
- An e-code may comprise letters, numbers, or any combination thereof.
- An e-code may be a unique value relative to all the e-codes generated by a gift card exchange service. The card holder (who no longer owns the gift card) can then use the e-code when purchasing an item from a certain party, whether or not the certain party is same as or different than the party that issued the gift card.
- a user may decide to buy a gift card issued by a specific merchant from a website operated by the gift card exchange service.
- the gift card exchange service delivers only an e-code to the user.
- a user sends, to a gift card exchange service (e.g., through a web interface or via cell phone), information that identifies a gift card of the card holder.
- the gift card was issued by CompanyX and has a current balance of $100.
- the gift card exchange service in exchange for the gift card, offers to pay $90 to the user.
- the gift card exchange service Rather than sending any form of payment to the user, the gift card exchange service generates an e-code (or retrieves an e-code from a list of pre-generated e-codes) and associates the e-code with this transaction or with information that identifies the gift card number.
- This e-code may be the card number of the gift card sold to the gift card exchange service, or it may be a separate code that represents the card value.
- the gift card exchange service sends (e.g., via email or cell phone) the e-code to the user.
- the user accesses (e.g., via a web browser) the website of CompanyY, identifies one or more items to purchase from CompanyY, and proceeds to a checkout webpage.
- the user enters the e-code into his/her browser window and submits the e-code as payment for the one or more items.
- the gift card exchange service applies some or all of the $90 (i.e., that the gift card exchange service offered to the user) to the purchase of the one or more items sold by CompanyY.
- FIG. 6 is a block diagram that depicts a computer system 600 upon which an embodiment of the invention may be implemented.
- Computer system 600 includes a bus 602 or other communication mechanism for communicating information, and a processor 604 coupled with bus 602 for processing information.
- Computer system 600 also includes a main memory 606 , such as a random access memory (RAM) or other dynamic storage device, coupled to bus 602 for storing information and instructions to be executed by processor 604 .
- Main memory 606 also may be used for storing temporary variables or other intermediate information during execution of instructions to be executed by processor 604 .
- Computer system 600 further includes a read only memory (ROM) 608 or other static storage device coupled to bus 602 for storing static information and instructions for processor 604 .
- ROM read only memory
- a storage device 610 such as a magnetic disk or optical disk, is provided and coupled to bus 602 for storing information and instructions.
- Computer system 600 may be coupled via bus 602 to a display 612 , such as a cathode ray tube (CRT), for displaying information to a computer user.
- a display 612 such as a cathode ray tube (CRT)
- An input device 614 is coupled to bus 602 for communicating information and command selections to processor 604 .
- cursor control 616 is Another type of user input device
- cursor control 616 such as a mouse, a trackball, or cursor direction keys for communicating direction information and command selections to processor 604 and for controlling cursor movement on display 612 .
- This input device typically has two degrees of freedom in two axes, a first axis (e.g., x) and a second axis (e.g., y), that allows the device to specify positions in a plane.
- the invention is related to the use of computer system 600 for implementing the techniques described herein. According to one embodiment of the invention, those techniques are performed by computer system 600 in response to processor 604 executing one or more sequences of one or more instructions contained in main memory 606 . Such instructions may be read into main memory 606 from another machine-readable medium, such as storage device 610 . Execution of the sequences of instructions contained in main memory 606 causes processor 604 to perform the process steps described herein. In alternative embodiments, hard-wired circuitry may be used in place of or in combination with software instructions to implement the invention. Thus, embodiments of the invention are not limited to any specific combination of hardware circuitry and software.
- machine-readable medium refers to any medium that participates in providing data that causes a machine to operation in a specific fashion.
- various machine-readable media are involved, for example, in providing instructions to processor 604 for execution.
- Such a medium may take many forms, including but not limited to, non-volatile media, volatile media, and transmission media.
- Non-volatile media includes, for example, optical or magnetic disks, such as storage device 610 .
- Volatile media includes dynamic memory, such as main memory 606 .
- Transmission media includes coaxial cables, copper wire and fiber optics, including the wires that comprise bus 602 . Transmission media can also take the form of acoustic or light waves, such as those generated during radio-wave and infra-red data communications.
- Machine-readable media include, for example, a floppy disk, a flexible disk, hard disk, magnetic tape, or any other magnetic medium, a CD-ROM, any other optical medium, punchcards, papertape, any other physical medium with patterns of holes, a RAM, a PROM, and EPROM, a FLASH-EPROM, any other memory chip or cartridge, a carrier wave as described hereinafter, or any other medium from which a computer can read.
- Various forms of machine-readable media may be involved in carrying one or more sequences of one or more instructions to processor 604 for execution.
- the instructions may initially be carried on a magnetic disk of a remote computer.
- the remote computer can load the instructions into its dynamic memory and send the instructions over a telephone line using a modem.
- a modem local to computer system 600 can receive the data on the telephone line and use an infra-red transmitter to convert the data to an infra-red signal.
- An infra-red detector can receive the data carried in the infra-red signal and appropriate circuitry can place the data on bus 602 .
- Bus 602 carries the data to main memory 606 , from which processor 604 retrieves and executes the instructions.
- the instructions received by main memory 606 may optionally be stored on storage device 610 either before or after execution by processor 604 .
- Computer system 600 also includes a communication interface 618 coupled to bus 602 .
- Communication interface 618 provides a two-way data communication coupling to a network link 620 that is connected to a local network 622 .
- communication interface 618 may be an integrated services digital network (ISDN) card or a modem to provide a data communication connection to a corresponding type of telephone line.
- ISDN integrated services digital network
- communication interface 618 may be a local area network (LAN) card to provide a data communication connection to a compatible LAN.
- LAN local area network
- Wireless links may also be implemented.
- communication interface 618 sends and receives electrical, electromagnetic or optical signals that carry digital data streams representing various types of information.
- Network link 620 typically provides data communication through one or more networks to other data devices.
- network link 620 may provide a connection through local network 622 to a host computer 624 or to data equipment operated by an Internet Service Provider (ISP) 626 .
- ISP 626 in turn provides data communication services through the world wide packet data communication network now commonly referred to as the “Internet” 628 .
- Internet 628 uses electrical, electromagnetic or optical signals that carry digital data streams.
- the signals through the various networks and the signals on network link 620 and through communication interface 618 which carry the digital data to and from computer system 600 , are exemplary forms of carrier waves transporting the information.
- Computer system 600 can send messages and receive data, including program code, through the network(s), network link 620 and communication interface 618 .
- a server 630 might transmit a requested code for an application program through Internet 628 , ISP 626 , local network 622 and communication interface 618 .
- the received code may be executed by processor 604 as it is received, and/or stored in storage device 610 , or other non-volatile storage for later execution. In this manner, computer system 600 may obtain application code in the form of a carrier wave.
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Physics & Mathematics (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Game Theory and Decision Science (AREA)
- Entrepreneurship & Innovation (AREA)
- Marketing (AREA)
- Computer Security & Cryptography (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
Priority Applications (10)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US12/903,987 US20110137740A1 (en) | 2009-12-04 | 2010-10-13 | Processing value-ascertainable items |
CA2782657A CA2782657C (fr) | 2009-12-04 | 2010-10-21 | Traitement d'articles verifiables par valeur |
PCT/US2010/053532 WO2011068602A2 (fr) | 2009-12-04 | 2010-10-21 | Traitement d'articles vérifiables par valeur |
CA3027572A CA3027572A1 (fr) | 2009-12-04 | 2010-10-21 | Traitement d'articles verifiables par valeur |
AU2010326684A AU2010326684B2 (en) | 2009-12-04 | 2010-10-21 | Processing value-ascertainable items |
EP10834906.9A EP2507756A4 (fr) | 2009-12-04 | 2010-10-21 | Traitement d'articles vérifiables par valeur |
US13/295,753 US20120059736A1 (en) | 2009-12-04 | 2011-11-14 | Processing value-ascertainable items |
US13/369,871 US20120143705A1 (en) | 2009-12-04 | 2012-02-09 | Processing value-ascertainable items |
US13/467,997 US8751294B2 (en) | 2009-12-04 | 2012-05-09 | Processing value-ascertainable items |
US13/467,994 US20120221425A1 (en) | 2009-12-04 | 2012-05-09 | Processing value-ascertainable items |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US26691009P | 2009-12-04 | 2009-12-04 | |
US12/903,987 US20110137740A1 (en) | 2009-12-04 | 2010-10-13 | Processing value-ascertainable items |
Related Child Applications (3)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US13/295,753 Continuation-In-Part US20120059736A1 (en) | 2009-12-04 | 2011-11-14 | Processing value-ascertainable items |
US13/467,994 Division US20120221425A1 (en) | 2009-12-04 | 2012-05-09 | Processing value-ascertainable items |
US13/467,997 Division US8751294B2 (en) | 2009-12-04 | 2012-05-09 | Processing value-ascertainable items |
Publications (1)
Publication Number | Publication Date |
---|---|
US20110137740A1 true US20110137740A1 (en) | 2011-06-09 |
Family
ID=44082927
Family Applications (3)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/903,987 Abandoned US20110137740A1 (en) | 2009-12-04 | 2010-10-13 | Processing value-ascertainable items |
US13/467,994 Abandoned US20120221425A1 (en) | 2009-12-04 | 2012-05-09 | Processing value-ascertainable items |
US13/467,997 Active US8751294B2 (en) | 2009-12-04 | 2012-05-09 | Processing value-ascertainable items |
Family Applications After (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US13/467,994 Abandoned US20120221425A1 (en) | 2009-12-04 | 2012-05-09 | Processing value-ascertainable items |
US13/467,997 Active US8751294B2 (en) | 2009-12-04 | 2012-05-09 | Processing value-ascertainable items |
Country Status (5)
Country | Link |
---|---|
US (3) | US20110137740A1 (fr) |
EP (1) | EP2507756A4 (fr) |
AU (1) | AU2010326684B2 (fr) |
CA (2) | CA3027572A1 (fr) |
WO (1) | WO2011068602A2 (fr) |
Cited By (41)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20100332295A1 (en) * | 2009-06-24 | 2010-12-30 | Marc Rochman | Demand amalgamation for online auctions |
US20110218914A1 (en) * | 2010-03-05 | 2011-09-08 | Marc Rochman | Closed loop stored value instrument brokerage system, method and computer program product |
US20120066122A1 (en) * | 2010-09-15 | 2012-03-15 | Goldberg Robert H | Digital Currency Gift Cards and Their Methods of Production |
US20120123833A1 (en) * | 2010-11-14 | 2012-05-17 | Chris Nicolaidis | Stored value exchange method and apparatus |
US20120123834A1 (en) * | 2010-11-14 | 2012-05-17 | Chris Nicolaidis | Stored value exchange method and apparatus |
US20120209771A1 (en) * | 2011-02-14 | 2012-08-16 | Jeffrey Winner | Monitoring for offline transactions |
US20120233073A1 (en) * | 2011-01-11 | 2012-09-13 | Diane Salmon | Universal Value Exchange Apparatuses, Methods and Systems |
US20120330830A1 (en) * | 2011-06-23 | 2012-12-27 | Mason James P | System and method for creating and managing a stored value account associated with a client unique identifier |
US20130054441A1 (en) * | 2011-08-23 | 2013-02-28 | Bhavik Kamdar | Methods and systems for trading in monetary equivalent instruments |
US20130073459A1 (en) * | 2011-09-20 | 2013-03-21 | Plastic Jungle, Inc. | Digital exchange and mobile wallet for digital currency |
WO2013096047A1 (fr) * | 2011-12-22 | 2013-06-27 | Boku, Inc. | Distribution et insertion dépendantes du compte d'offres commerciales remboursables |
US8577768B2 (en) | 2011-02-17 | 2013-11-05 | Steven Nargizian | Systems and methods relating to credit |
US20130304620A1 (en) * | 2012-05-09 | 2013-11-14 | Plastic Jungle, Inc. | Using a value-ascertainable item to obtain credit at a third-party merchant |
US8688512B2 (en) | 2011-02-17 | 2014-04-01 | Boku, Inc. | Offer insertion system |
US8799162B2 (en) | 2011-11-30 | 2014-08-05 | Boku, Inc. | Pass-through payment system |
US8874467B2 (en) | 2011-11-23 | 2014-10-28 | Outerwall Inc | Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same |
US20140351142A1 (en) * | 2011-09-26 | 2014-11-27 | First Data Corporation | Systems and methods for processing payment transactions |
US9064268B2 (en) | 2010-11-01 | 2015-06-23 | Outerwall Inc. | Gift card exchange kiosks and associated methods of use |
US9111301B2 (en) | 2011-12-13 | 2015-08-18 | Boku, Inc. | Activating an account based on an SMS message |
US9129294B2 (en) | 2012-02-06 | 2015-09-08 | Outerwall Inc. | Coin counting machines having coupon capabilities, loyalty program capabilities, advertising capabilities, and the like |
US9129320B2 (en) | 2012-02-08 | 2015-09-08 | Boku, Inc. | Default phone bill charging |
US20160210611A1 (en) * | 2015-01-21 | 2016-07-21 | Galileo Processing, Inc. | Open network virtual prepaid instrument creation |
US9898738B2 (en) | 2012-02-14 | 2018-02-20 | Boku, Inc. | Transaction authentication with a variable-type user-stored account identifier |
US9959531B2 (en) | 2011-08-18 | 2018-05-01 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
US10121129B2 (en) | 2011-07-05 | 2018-11-06 | Visa International Service Association | Electronic wallet checkout platform apparatuses, methods and systems |
US10154084B2 (en) | 2011-07-05 | 2018-12-11 | Visa International Service Association | Hybrid applications utilizing distributed models and views apparatuses, methods and systems |
US10223691B2 (en) | 2011-02-22 | 2019-03-05 | Visa International Service Association | Universal electronic payment apparatuses, methods and systems |
US10223730B2 (en) | 2011-09-23 | 2019-03-05 | Visa International Service Association | E-wallet store injection search apparatuses, methods and systems |
US10242358B2 (en) | 2011-08-18 | 2019-03-26 | Visa International Service Association | Remote decoupled application persistent state apparatuses, methods and systems |
US10262001B2 (en) | 2012-02-02 | 2019-04-16 | Visa International Service Association | Multi-source, multi-dimensional, cross-entity, multimedia merchant analytics database platform apparatuses, methods and systems |
US10586227B2 (en) | 2011-02-16 | 2020-03-10 | Visa International Service Association | Snap mobile payment apparatuses, methods and systems |
US10594767B1 (en) | 2015-01-28 | 2020-03-17 | Twitter, Inc. | Method and system for online conversion attribution |
US10825001B2 (en) | 2011-08-18 | 2020-11-03 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
US11037138B2 (en) | 2011-08-18 | 2021-06-15 | Visa International Service Association | Third-party value added wallet features and interfaces apparatuses, methods, and systems |
US11157995B2 (en) | 2010-08-06 | 2021-10-26 | Dkr Consulting Llc | System and method for generating and distributing embeddable electronic commerce stores |
US11222350B2 (en) | 2018-08-06 | 2022-01-11 | Advanced New Technologies Co., Ltd. | Service processing method and apparatus, and electronic device |
US11288661B2 (en) | 2011-02-16 | 2022-03-29 | Visa International Service Association | Snap mobile payment apparatuses, methods and systems |
US20220164785A1 (en) * | 2012-08-30 | 2022-05-26 | Worldpay, Llc | Combination payment card and methods thereof |
US20220277293A1 (en) * | 2021-02-26 | 2022-09-01 | Capital One Services, Llc | Modifying a user interface to make a card associated with an entity available at a relevant time |
US20240152693A1 (en) * | 2022-11-07 | 2024-05-09 | Microsoft Technology Licensing, Llc | Utilizing dynamic interface elements to improve user interfaces |
US12026457B2 (en) * | 2022-12-14 | 2024-07-02 | Microsoft Technology Licensing, Llc | Utilizing dynamic interface elements to improve user interfaces |
Families Citing this family (12)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP5351953B2 (ja) * | 2011-12-28 | 2013-11-27 | 楽天株式会社 | 携帯端末、端末機能管理システム、端末機能管理方法、端末機能管理プログラム、及びそのプログラムを記録するコンピュータ読取可能な記録媒体 |
US9082119B2 (en) | 2012-10-17 | 2015-07-14 | Royal Bank of Canada. | Virtualization and secure processing of data |
US11210648B2 (en) * | 2012-10-17 | 2021-12-28 | Royal Bank Of Canada | Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments |
US11080701B2 (en) | 2015-07-02 | 2021-08-03 | Royal Bank Of Canada | Secure processing of electronic payments |
CN107004190A (zh) | 2014-10-10 | 2017-08-01 | 加拿大皇家银行 | 用于处理电子交易的系统 |
WO2016115620A1 (fr) | 2015-01-19 | 2016-07-28 | Royal Bank Of Canada | Traitement sécurisé de paiements électroniques |
US11354651B2 (en) | 2015-01-19 | 2022-06-07 | Royal Bank Of Canada | System and method for location-based token transaction processing |
US20160232609A1 (en) * | 2015-02-09 | 2016-08-11 | Outerwall Inc. | Mobile system for exchanging gift cards |
US11599879B2 (en) | 2015-07-02 | 2023-03-07 | Royal Bank Of Canada | Processing of electronic transactions |
US10346819B2 (en) | 2015-11-19 | 2019-07-09 | Coinstar Asset Holdings, Llc | Mobile device applications, other applications and associated kiosk-based systems and methods for facilitating coin saving |
SG10201510799PA (en) * | 2015-12-31 | 2017-07-28 | Mastercard International Inc | Method and system for processing payment using a generic gift card |
US11562390B2 (en) | 2020-03-06 | 2023-01-24 | Capital One Services, Llc | System, method and computer-accessible medium for authentication of rewards information |
Citations (57)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20020070953A1 (en) * | 2000-05-04 | 2002-06-13 | Barg Timothy A. | Systems and methods for visualizing and analyzing conditioned data |
US20040021509A1 (en) * | 2002-04-17 | 2004-02-05 | Virtual Silicon Technologies, Inc., A Delaware Corporation | Circuitry to provide a low power input buffer |
US20040205138A1 (en) * | 1999-10-18 | 2004-10-14 | 4Yoursoul.Com | Method and apparatus for creation, personalizatioin, and fulfillment of greeting cards with gift cards |
US20040210509A1 (en) * | 1997-01-06 | 2004-10-21 | Eder Jeff Scott | Automated method of and system for identifying, measuring and enhancing categories of value for a value chain |
US20050016748A1 (en) * | 2003-07-25 | 2005-01-27 | Ritter Bryan D. | Security apparatus and method |
US20050038714A1 (en) * | 2003-05-28 | 2005-02-17 | John Bonet | Self-service gift card dispensing terminal and method of use |
US20050171902A1 (en) * | 2001-08-15 | 2005-08-04 | Nguyen Martin K. | Item exchange using a trusted party |
US20060069642A1 (en) * | 2002-02-15 | 2006-03-30 | Michael Doran | Methods and systems for exchanging and or transferring various forms of value |
US20060207856A1 (en) * | 2002-02-15 | 2006-09-21 | Dean Scott A | Methods and systems for exchanging and/or transferring various forms of value |
US20060224454A1 (en) * | 2005-03-31 | 2006-10-05 | Synergy World, Inc. | Tracking merchant specific reward credits and balances in a multi merchant environment utilizing one card or account number |
US20060231611A1 (en) * | 2005-03-23 | 2006-10-19 | Chakiris Phil M | Radio frequency identification purchase transactions |
US20060249570A1 (en) * | 2005-05-04 | 2006-11-09 | First Data Corporation | System and method for accounting for activation of stored value cards |
US20070005685A1 (en) * | 2002-09-16 | 2007-01-04 | Wunchun Chau | Browser-based payment system |
US20070045403A1 (en) * | 2005-08-31 | 2007-03-01 | Slonecker David B Jr | System and method for locking and unlocking a financial account card |
US20070094129A1 (en) * | 2003-12-19 | 2007-04-26 | E2Interactive, Inc. D/B/A E2Interactive, Inc. | System and method for adding value to a stored-value account using provider specific pin |
US7222090B2 (en) * | 2001-08-29 | 2007-05-22 | Sedna Patent Services, Llc | Method and system for parsing purchase information from web pages |
US20070136194A1 (en) * | 2005-12-14 | 2007-06-14 | David Sloan | Hybrid card |
US7243082B1 (en) * | 1999-06-30 | 2007-07-10 | Kyklos Entertainment S.R.L. | Method and apparatus for generating a sale offer to selected individuals over electronic network systems |
US20070172063A1 (en) * | 2006-01-20 | 2007-07-26 | Microsoft Corporation | Out-Of-Band Authentication for Automated Applications ("BOTS") |
US20070179846A1 (en) * | 2006-02-02 | 2007-08-02 | Microsoft Corporation | Ad targeting and/or pricing based on customer behavior |
US20070187494A1 (en) * | 2006-02-16 | 2007-08-16 | First Data Corporation | Cash redemption of gift cards systems and methods |
US20070205269A1 (en) * | 2006-03-02 | 2007-09-06 | Lindon Mark L | Method and system for the resale of prepaid cards and paper gift certificates |
US20070272736A1 (en) * | 2006-05-24 | 2007-11-29 | Jason Brooks | Systems and methods for transferring value between stored value systems |
US7316350B2 (en) * | 2003-04-22 | 2008-01-08 | First Data Corporation | Multi-purse card system and methods |
US7325725B2 (en) * | 2003-10-14 | 2008-02-05 | Purpose Intellectual Property Management Ii, Inc. | Stored value card account transfer system |
US20080148408A1 (en) * | 2006-12-13 | 2008-06-19 | Institute For Information Industry | System and method of parsing web page vulnerability and recording medium thereof |
US20080162271A1 (en) * | 2006-12-29 | 2008-07-03 | Zazzle, Inc. | Gift card sharing in a custom merchandise environment |
US20080162299A1 (en) * | 2004-04-08 | 2008-07-03 | Carl Phillip Gusler | System for brand name gift card exchange |
US20090063530A1 (en) * | 2007-09-04 | 2009-03-05 | Lg Telecom Ltd. | System and method for mobile web service |
US20090112709A1 (en) * | 2007-10-29 | 2009-04-30 | Barhydt William J | Mobile Value Transfer System |
US20090182663A1 (en) * | 2008-01-03 | 2009-07-16 | Hurst Douglas J | System and method for re-distributing and transferring mobile gift cards |
US20090192928A1 (en) * | 2008-01-29 | 2009-07-30 | Basil Munir Abifaker | Integration of gift card services for mobile devices and social networking services |
US20090265269A1 (en) * | 2008-04-18 | 2009-10-22 | Stoecker Mark A | System and Method for Providing a Swap System in a Network Environment |
US20090327441A1 (en) * | 2008-06-30 | 2009-12-31 | France Telecom | Instant messaging as a communication channel for a contact center |
US7653599B2 (en) * | 2002-02-15 | 2010-01-26 | Coinstar, Inc. | Methods and systems for exchanging and/or transferring various forms of value |
US20100036524A1 (en) * | 2008-08-08 | 2010-02-11 | Chirco Paul T | Method and Apparatus for Converting a Gift Card into a Generic Prepaid Credit Card |
US7673327B1 (en) * | 2006-06-27 | 2010-03-02 | Confluence Commons, Inc. | Aggregation system |
US20100057580A1 (en) * | 2008-08-28 | 2010-03-04 | Radha Raghunathan | Unified payment card |
US20100078474A1 (en) * | 2008-09-30 | 2010-04-01 | Apple Inc. | Custom content gift cards |
US20100200653A1 (en) * | 2009-02-09 | 2010-08-12 | Giftcards.com LLC | System and method for converting closed loop cards into gift codes |
US20100280911A1 (en) * | 2006-07-27 | 2010-11-04 | Leverage, Inc. | System and method for targeted marketing and consumer resource management |
US20100280906A1 (en) * | 2000-07-18 | 2010-11-04 | Lim Stanley T | Economic Filtering System for Delivery of Permission Based, Targeted, Incentivized Advertising |
US20100299194A1 (en) * | 2009-05-22 | 2010-11-25 | Snyder Glenn A | Systems and methods for implementing and managing gift cards |
US20100305957A1 (en) * | 2009-06-02 | 2010-12-02 | Roger Parsons | Method and system of redeeming gold for cash or other value |
US20110112919A1 (en) * | 2009-10-14 | 2011-05-12 | Beau Gray | Gift-card and online payment system |
US7958049B2 (en) * | 2001-11-01 | 2011-06-07 | Metavante Corporation | System and method for obtaining customer bill information and facilitating bill payment at biller websites |
US20110166992A1 (en) * | 2010-01-06 | 2011-07-07 | Firethorn Holdings, Llc | System and method for creating and managing a stored value account associated with a client unique identifier |
US20110238549A1 (en) * | 2010-03-25 | 2011-09-29 | Leftovercash, Inc. | Foreign currency exchange system and method |
US20110276437A1 (en) * | 2007-12-24 | 2011-11-10 | Mullen Jeffrey D | Payment cards and devices with gift card, global integration, and magnetic stripe reader communication functionality |
US20110295744A1 (en) * | 2010-05-28 | 2011-12-01 | Mark Lloyd Wisniewski | Gift card processing |
US20120016725A1 (en) * | 2007-09-14 | 2012-01-19 | Ward/Kraft Inc. | Combination Retailing System For Consumer Based Products Or Precious Stones and Metals |
US20120059736A1 (en) * | 2009-12-04 | 2012-03-08 | Ashmit Bhattacharya | Processing value-ascertainable items |
US20120072298A1 (en) * | 2010-09-19 | 2012-03-22 | Srinivasan Ramanujam | Method and System for Facilitating Automated Real Time Negotiating and Bargaining Followed by Purchase of Merchandize |
US8152061B2 (en) * | 2009-02-09 | 2012-04-10 | Giftcards.Com, Llc | System and method for processing closed loop cards and codes |
US8152060B2 (en) * | 2009-02-09 | 2012-04-10 | Giftcards.Com, Llc | System and method for processing closed loop cards and codes |
US20120150731A1 (en) * | 2010-12-14 | 2012-06-14 | Moneyhoney Llc | System and method for processing group gift cards |
US20130073459A1 (en) * | 2011-09-20 | 2013-03-21 | Plastic Jungle, Inc. | Digital exchange and mobile wallet for digital currency |
Family Cites Families (404)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US3553440A (en) | 1967-11-09 | 1971-01-05 | Dennison Mfg Co | Control ticket |
JPS5011296A (fr) | 1973-05-31 | 1975-02-05 | ||
US4068213A (en) | 1976-12-23 | 1978-01-10 | Ncr Corporation | Checkout system |
EP0084536A4 (fr) | 1981-08-05 | 1985-04-03 | Motorcharge Pty Ltd | Dispositif de point de vente pour la collecte de donnees de vente. |
JPS6014385B2 (ja) | 1981-09-18 | 1985-04-12 | 株式会社日立製作所 | 取引処理方式 |
GB2146814A (en) | 1983-09-17 | 1985-04-24 | Ibm | Electronic fund transfer systems |
US4734858B1 (en) | 1983-12-05 | 1997-02-11 | Portel Services Network Inc | Data terminal and system for placing orders |
JPH0682427B2 (ja) | 1985-03-22 | 1994-10-19 | サンデン株式会社 | 自動販売機 |
JPH07104891B2 (ja) | 1986-08-05 | 1995-11-13 | 沖電気工業株式会社 | 取引処理装置 |
US4900904A (en) | 1986-11-26 | 1990-02-13 | Wright Technologies, L.P. | Automated transaction system with insertable cards for downloading rate or program data |
US4908521A (en) | 1987-01-06 | 1990-03-13 | Visa International Service Association | Transaction approval system |
US4943707A (en) | 1987-01-06 | 1990-07-24 | Visa International Service Association | Transaction approval system |
US4795892A (en) | 1987-12-09 | 1989-01-03 | Cic Systems, Inc. | Pre-paid commodity system |
US5117355A (en) | 1989-01-27 | 1992-05-26 | Mccarthy Patrick D | Centralized consumer cash valve accumulation system for multiple merchants |
US5202826A (en) | 1989-01-27 | 1993-04-13 | Mccarthy Patrick D | Centralized consumer cash value accumulation system for multiple merchants |
US5870724A (en) | 1989-12-08 | 1999-02-09 | Online Resources & Communications Corporation | Targeting advertising in a home retail banking delivery service |
US5383113A (en) | 1991-07-25 | 1995-01-17 | Checkfree Corporation | System and method for electronically providing customer services including payment of bills, financial analysis and loans |
US20030023552A1 (en) | 1991-07-25 | 2003-01-30 | Checkfree Services Corporation | Payment processing utilizing alternate account identifiers |
US7028187B1 (en) | 1991-11-15 | 2006-04-11 | Citibank, N.A. | Electronic transaction apparatus for electronic commerce |
US5274845A (en) | 1992-01-03 | 1993-12-28 | Motorola, Inc. | Universal personal communication system and tracing system therefor |
US5255182A (en) | 1992-01-31 | 1993-10-19 | Visa International Service Association | Payment card point-of-sale service quality monitoring system, apparatus, and method |
US5384449A (en) | 1992-04-28 | 1995-01-24 | Visa International Service Association | Authorization matching system |
US5928082A (en) | 1992-05-06 | 1999-07-27 | Clapper, Jr.; Ronald C. | Voucher and game ticket combination and apparatus and method used therewith |
US5754655A (en) | 1992-05-26 | 1998-05-19 | Hughes; Thomas S. | System for remote purchase payment and remote bill payment transactions |
US5396558A (en) | 1992-09-18 | 1995-03-07 | Nippon Telegraph And Telephone Corporation | Method and apparatus for settlement of accounts by IC cards |
US5267314A (en) | 1992-11-17 | 1993-11-30 | Leon Stambler | Secure transaction system and method utilized therein |
US5350906A (en) | 1992-11-25 | 1994-09-27 | Brody Bill E | Currency transfer system and method using fixed limit cards |
US6088682A (en) | 1993-02-18 | 2000-07-11 | Every Penny Counts, Inc. | Funds distribution system connected with point of sale transactions |
US5465288A (en) | 1993-06-01 | 1995-11-07 | The Cellular Hotline, Inc. | Point-of-sale system for programming a cellular telephone with its assigned telephone number |
USRE36365E (en) | 1993-10-25 | 1999-11-02 | Visa International Service Association | Method and apparatus for distributing currency |
US5477038A (en) | 1993-10-25 | 1995-12-19 | Visa International | Method and apparatus for distributing currency |
US5465206B1 (en) | 1993-11-01 | 1998-04-21 | Visa Int Service Ass | Electronic bill pay system |
US6836962B2 (en) | 1993-11-16 | 2005-01-04 | Formfactor, Inc. | Method and apparatus for shaping spring elements |
US5578808A (en) | 1993-12-22 | 1996-11-26 | Datamark Services, Inc. | Data card that can be used for transactions involving separate card issuers |
JP3124671B2 (ja) | 1993-12-22 | 2001-01-15 | 富士通株式会社 | Pos端末装置 |
US5434919A (en) | 1994-01-11 | 1995-07-18 | Chaum; David | Compact endorsement signature systems |
WO1995021428A1 (fr) | 1994-02-04 | 1995-08-10 | Card One Development Company | Procede et systeme d'affectation et de remboursement de credits promotionnels |
US5500513A (en) | 1994-05-11 | 1996-03-19 | Visa International | Automated purchasing control system |
US5649117A (en) | 1994-06-03 | 1997-07-15 | Midwest Payment Systems | System and method for paying bills and other obligations including selective payor and payee controls |
US6502745B1 (en) | 1994-06-06 | 2003-01-07 | Call Processing, Inc. | Pre-paid card system and method |
US5577109A (en) | 1994-06-06 | 1996-11-19 | Call Processing, Inc. | Pre-paid card system and method |
US6182052B1 (en) | 1994-06-06 | 2001-01-30 | Huntington Bancshares Incorporated | Communications network interface for user friendly interactive access to online services |
US5511114A (en) | 1994-06-06 | 1996-04-23 | Call Processing, Inc. | Telephone pre-paid calling card system and method |
EP0690399A3 (fr) | 1994-06-30 | 1997-05-02 | Tandem Computers Inc | Système de transaction financière commandé à distance |
US5715314A (en) | 1994-10-24 | 1998-02-03 | Open Market, Inc. | Network sales system |
US7821395B2 (en) | 2001-12-27 | 2010-10-26 | Micro Enhanced Technology, Inc. | Vending machines with field-programmable locks |
US5679938A (en) | 1994-12-02 | 1997-10-21 | Telecheck International, Inc. | Methods and systems for interactive check authorizations |
US5705798A (en) | 1994-12-16 | 1998-01-06 | Mastercard International Inc. | System and method for processing a customized financial transaction card |
US5696909A (en) | 1995-01-27 | 1997-12-09 | Hypercom, Inc. | Virtual POS terminal |
US5732136A (en) | 1995-01-31 | 1998-03-24 | Realsource Communications, Inc. | Merchant specific debit card verification system |
US5930363A (en) | 1995-03-17 | 1999-07-27 | Transmo Limited | Card charging systems |
US5956695A (en) | 1995-03-21 | 1999-09-21 | Maritz, Inc. | Filter processor and method for implementing a program |
US5903633A (en) | 1995-03-27 | 1999-05-11 | Smarttalk Teleservices, Inc. | Method and apparatus for prepaid phone card activation and billing |
SE506506C2 (sv) | 1995-04-11 | 1997-12-22 | Au System | Elektronisk transaktionsterminal, telekommunikationssystem innefattande en elektronisk transaktionsterminal, smart kort som elektronisk transaktionsterminal samt metod för överföring av elektroniska krediter |
US5657389A (en) | 1995-05-08 | 1997-08-12 | Image Data, Llc | Positive identification system and method |
US20020138351A1 (en) | 1995-05-08 | 2002-09-26 | Image Data, Llc | Positive identification system and method |
US5684291A (en) | 1995-06-01 | 1997-11-04 | American Express Trs | Refundable prepaid telephone card |
US5696908A (en) | 1995-06-07 | 1997-12-09 | Southeast Phonecard, Inc. | Telephone debit card dispenser and method |
US5742845A (en) | 1995-06-22 | 1998-04-21 | Datascape, Inc. | System for extending present open network communication protocols to communicate with non-standard I/O devices directly coupled to an open network |
JP3141734B2 (ja) | 1995-07-19 | 2001-03-05 | トヨタ自動車株式会社 | 路車間通信用車載機 |
US5644721A (en) | 1995-08-30 | 1997-07-01 | System One Information Management, L.L.C. | Multiple currency travel reservation information management system and method |
US5621787A (en) | 1995-09-13 | 1997-04-15 | Bell Atlantic Network Services, Inc. | Prepaid cash card |
US5721781A (en) | 1995-09-13 | 1998-02-24 | Microsoft Corporation | Authentication system and method for smart card transactions |
US5796832A (en) | 1995-11-13 | 1998-08-18 | Transaction Technology, Inc. | Wireless transaction and information system |
US5673309A (en) | 1995-11-17 | 1997-09-30 | Avery Dennison Corporation | ATM phone card system |
CA2190045C (fr) | 1995-12-06 | 2006-12-12 | David William James Holmes | Systeme d'activation de clients pour reseau cellulaire |
US5777305A (en) | 1996-01-24 | 1998-07-07 | Incomm | Package assembly and method for activating prepaid debit cards |
US5815561A (en) | 1996-03-29 | 1998-09-29 | Bellsouth Corporation | Method and system for providing a demarcated communication service |
CN1090571C (zh) | 1996-04-19 | 2002-09-11 | 巴里·菲亚拉公司 | 卡片的包装件及其使用方法 |
US6039245A (en) | 1996-06-10 | 2000-03-21 | Diebold, Incorporated | Financial transaction processing system and method |
JP3937475B2 (ja) | 1996-06-14 | 2007-06-27 | キヤノン株式会社 | アクセス制御システムおよびその方法 |
US6094643A (en) | 1996-06-14 | 2000-07-25 | Card Alert Services, Inc. | System for detecting counterfeit financial card fraud |
US5987132A (en) | 1996-06-17 | 1999-11-16 | Verifone, Inc. | System, method and article of manufacture for conditionally accepting a payment method utilizing an extensible, flexible architecture |
US6270012B1 (en) | 1996-06-17 | 2001-08-07 | Magnetic Ticket & Label Corp. | Debit card with activation control |
US6119105A (en) | 1996-06-17 | 2000-09-12 | Verifone, Inc. | System, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture |
US6324525B1 (en) | 1996-06-17 | 2001-11-27 | Hewlett-Packard Company | Settlement of aggregated electronic transactions over a network |
US5889863A (en) | 1996-06-17 | 1999-03-30 | Verifone, Inc. | System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensible, flexible architecture |
US6072870A (en) | 1996-06-17 | 2000-06-06 | Verifone Inc. | System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture |
FR2750274B1 (fr) | 1996-06-21 | 1998-07-24 | Arditti David | Procede de prise en compte d'une demande d'utilisation d'une carte prepayee virtuelle permettant la reutilisation de son numero de serie |
US6119935A (en) | 1996-06-26 | 2000-09-19 | Telxon Corporation | Shopping cart mounted portable data collection device with tethered dataform reader |
US5903874A (en) | 1996-06-27 | 1999-05-11 | Mci Communications Corporation | System and method for electronic coupon management |
ATE206228T1 (de) | 1996-07-09 | 2001-10-15 | Ldc Direct Ltd Co | Verkaufssystem für vorausbezahlte karten in vertriebsstellen |
US7096003B2 (en) | 1996-08-08 | 2006-08-22 | Raymond Anthony Joao | Transaction security apparatus |
US5903830A (en) | 1996-08-08 | 1999-05-11 | Joao; Raymond Anthony | Transaction security apparatus and method |
EP0827119B1 (fr) | 1996-08-29 | 2000-09-06 | Swisscom AG | Méthode pour charger ou recharger une carte support de données avec une valeur monétaire |
US5836455A (en) | 1996-08-30 | 1998-11-17 | Eveready Battery Company, Inc. | Floor display assembly |
US20040243478A1 (en) | 1996-09-04 | 2004-12-02 | Walker Jay S. | Purchasing, redemption, and settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network |
US6754636B1 (en) | 1996-09-04 | 2004-06-22 | Walker Digital, Llc | Purchasing systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network |
JP3387330B2 (ja) | 1996-09-12 | 2003-03-17 | 株式会社日立製作所 | 電子マネー保有装置およびこれを用いる電子マネー支払い方法 |
US6032859A (en) | 1996-09-18 | 2000-03-07 | New View Technologies, Inc. | Method for processing debit purchase transactions using a counter-top terminal system |
FR2753858B1 (fr) | 1996-09-25 | 1999-03-26 | Procede et systeme pour securiser les centres de gestion d'appels telephoniques | |
US5931917A (en) | 1996-09-26 | 1999-08-03 | Verifone, Inc. | System, method and article of manufacture for a gateway system architecture with system administration information accessible from a browser |
US6188752B1 (en) | 1996-11-12 | 2001-02-13 | Telefonaktiebolaget Lm Ericsson (Publ) | Method and apparatus for providing prepaid telecommunications services |
US5828740A (en) | 1996-11-14 | 1998-10-27 | Sprint Communications Co., L.P. | Prepaid calling card external/adjunct database processor |
US6311170B1 (en) | 1996-12-04 | 2001-10-30 | Mark C. Embrey | Method and apparatus for making payments and delivering payment information |
US5991748A (en) | 1996-12-06 | 1999-11-23 | American Express Travel Related Services Company, Inc. | Methods and apparatus for regenerating a prepaid transaction account |
DE69603971T2 (de) | 1996-12-13 | 2000-03-30 | Ericsson Telefon Ab L M | Verfahren und System zur Durchführung von Geldtransaktionen |
US5760381A (en) | 1996-12-16 | 1998-06-02 | Moore Business Forms, Inc. | Prepaid card |
EP0851396A1 (fr) | 1996-12-23 | 1998-07-01 | Koninklijke KPN N.V. | Système pour augmenter une valeur d'une carte de paiement électronique |
US6058300A (en) | 1997-02-04 | 2000-05-02 | National Telemanagement Corporation | Prepay telecommunications system |
US6289010B1 (en) | 1997-03-11 | 2001-09-11 | Bell Atlantic Network Services, Inc. | Inbound gateway authorization processing for inter-carrier internet telephony |
US5844972A (en) | 1997-03-20 | 1998-12-01 | At&T Corp. | Customer profile based telephone card billing |
IL120585A0 (en) | 1997-04-01 | 1997-08-14 | Teicher Mordechai | Countable electronic monetary system and method |
US6032135A (en) | 1997-04-29 | 2000-02-29 | Diebold, Incorporated | Electronic purse card value system terminal programming system and method |
US6018570A (en) | 1997-05-12 | 2000-01-25 | Nynex Science And Technology Inc. | Methods and apparatus for regulating the remote ordering, authorization, access and control of services and service features associated with a terminal |
US6138106A (en) | 1997-05-19 | 2000-10-24 | Walker Asset Management Limited Partnership | Dynamically changing system for fulfilling concealed value gift certificate obligations |
US6330544B1 (en) | 1997-05-19 | 2001-12-11 | Walker Digital, Llc | System and process for issuing and managing forced redemption vouchers having alias account numbers |
US6282566B1 (en) | 1997-05-30 | 2001-08-28 | Alcatel Usa Sourcing, L.P. | System and method for a debit card telecom service |
US6405182B1 (en) | 1998-08-03 | 2002-06-11 | Vincent Cuervo | System for dispensing prepaid debit cards through point-of-sale terminals |
US6085976A (en) | 1998-05-22 | 2000-07-11 | Sehr; Richard P. | Travel system and methods utilizing multi-application passenger cards |
US5945653A (en) | 1997-06-26 | 1999-08-31 | Walker Asset Management Limited Partnership | System and method for establishing and executing functions to affect credit card accounts and transactions |
DE19727956C1 (de) | 1997-06-26 | 1998-10-01 | Siemens Ag | Optisches Endstück und Verfahren zum Prüfen der Kopplungsfläche eines optischen Endstücks |
US20040039639A1 (en) | 1997-07-08 | 2004-02-26 | Walker Jay S. | Method and apparatus for identifying potential buyers |
US6000608A (en) | 1997-07-10 | 1999-12-14 | Dorf; Robert E. | Multifunction card system |
US6295522B1 (en) | 1997-07-11 | 2001-09-25 | Cybercash, Inc. | Stored-value card value acquisition method and apparatus |
US5903878A (en) | 1997-08-20 | 1999-05-11 | Talati; Kirit K. | Method and apparatus for electronic commerce |
US6003014A (en) | 1997-08-22 | 1999-12-14 | Visa International Service Association | Method and apparatus for acquiring access using a smart card |
CA2215543C (fr) | 1997-09-16 | 2003-12-09 | Michael Lee-Wai-Yin | Systeme de revalorisation de carte de paiement |
US6381582B1 (en) | 1997-09-29 | 2002-04-30 | Walker Digital, Llc | Method and system for processing payments for remotely purchased goods |
US6105008A (en) | 1997-10-16 | 2000-08-15 | Visa International Service Association | Internet loading system using smart card |
US6226624B1 (en) | 1997-10-24 | 2001-05-01 | Craig J. Watson | System and method for pre-authorization of individual account remote transactions |
US6016480A (en) | 1997-11-07 | 2000-01-18 | Image Data, Llc | Merchandise return fraud prevention system and method |
US6285749B1 (en) | 1997-11-17 | 2001-09-04 | Charles L. Manto | System and method for providing universal telecommunications service and third party payer services |
US6119106A (en) | 1997-11-26 | 2000-09-12 | Mersky; Randy | Method and apparatus for facilitating customer payments to creditors from a remote site |
JP2001525571A (ja) | 1997-12-02 | 2001-12-11 | キャッシュ・テクノロジーズ・インコーポレイテッド | 多目的取引ネットワーク方式 |
US6226364B1 (en) | 1997-12-08 | 2001-05-01 | Bellsouth Intellectual Property Management Corporation | Method and system for providing prepaid and credit-limited telephone services |
AU758710B2 (en) | 1997-12-19 | 2003-03-27 | Visa International Service Association | Card activation at point of distribution |
US6038549A (en) | 1997-12-22 | 2000-03-14 | Motorola Inc | Portable 1-way wireless financial messaging unit |
US6098053A (en) | 1998-01-28 | 2000-08-01 | Citibank, N.A. | System and method for performing an electronic financial transaction |
US20050071268A1 (en) | 1998-01-28 | 2005-03-31 | Riddett Robert Gibson | Method of making payments by cash over a network |
US20050203835A1 (en) | 1998-01-30 | 2005-09-15 | Eli Nhaissi | Internet billing |
US6108642A (en) | 1998-02-02 | 2000-08-22 | Network Sciences Company, Inc. | Device for selectively blocking remote purchase requests |
US6012049A (en) | 1998-02-04 | 2000-01-04 | Citicorp Development Center, Inc. | System for performing financial transactions using a smartcard |
US6202933B1 (en) | 1998-02-19 | 2001-03-20 | Ernst & Young U.S. Llp | Transaction card and methods and apparatus therefor |
US6636833B1 (en) | 1998-03-25 | 2003-10-21 | Obis Patents Ltd. | Credit card system and method |
US6422462B1 (en) | 1998-03-30 | 2002-07-23 | Morris E. Cohen | Apparatus and methods for improved credit cards and credit card transactions |
US6330976B1 (en) | 1998-04-01 | 2001-12-18 | Xerox Corporation | Marking medium area with encoded identifier for producing action through network |
US6315195B1 (en) | 1998-04-17 | 2001-11-13 | Diebold, Incorporated | Transaction apparatus and method |
US5955951A (en) | 1998-04-24 | 1999-09-21 | Sensormatic Electronics Corporation | Combined article surveillance and product identification system |
US6122354A (en) | 1998-04-27 | 2000-09-19 | At&T Corporation | Method and apparatus for extending a pre-paid calling card limit |
US6173272B1 (en) | 1998-04-27 | 2001-01-09 | The Clearing House Service Company L.L.C. | Electronic funds transfer method and system and bill presentment method and system |
US7545816B1 (en) | 1998-04-29 | 2009-06-09 | Ncr Corporation | Transaction processing systems maintenance |
US7536349B1 (en) | 1998-06-16 | 2009-05-19 | Walker Digital, Llc | Method and apparatus for processing a charge applied to a financial account |
US7249054B2 (en) | 1998-06-18 | 2007-07-24 | Keil Dean S | System and method for debit account transactions |
US6190256B1 (en) | 1998-06-22 | 2001-02-20 | Walker Digital, Llc | Gaming device and method of operation thereof |
US6615189B1 (en) | 1998-06-22 | 2003-09-02 | Bank One, Delaware, National Association | Debit purchasing of stored value card for use by and/or delivery to others |
US6169976B1 (en) | 1998-07-02 | 2001-01-02 | Encommerce, Inc. | Method and apparatus for regulating the use of licensed products |
FI105965B (fi) | 1998-07-07 | 2000-10-31 | Nokia Networks Oy | Autentikointi tietoliikenneverkosssa |
ES2289816T3 (es) | 1998-07-16 | 2008-02-01 | Telemac Corporation | Metodo para la gestion de un servicio inalambrico de prepago. |
US6808111B2 (en) | 1998-08-06 | 2004-10-26 | Visa International Service Association | Terminal software architecture for use with smart cards |
US7073196B1 (en) | 1998-08-07 | 2006-07-04 | The United States Of America As Represented By The National Security Agency | Firewall for processing a connectionless network packet |
US6175823B1 (en) | 1998-09-15 | 2001-01-16 | Amazon.Com, Inc. | Electronic gift certificate system |
US6092053A (en) | 1998-10-07 | 2000-07-18 | Cybercash, Inc. | System and method for merchant invoked electronic commerce |
US6999569B2 (en) | 1998-10-28 | 2006-02-14 | Mastercard International Incorporated | System and method for using a prepaid card |
US6473500B1 (en) | 1998-10-28 | 2002-10-29 | Mastercard International Incorporated | System and method for using a prepaid card |
US6182894B1 (en) | 1998-10-28 | 2001-02-06 | American Express Travel Related Services Company, Inc. | Systems and methods for authorizing a transaction card |
US6332135B1 (en) | 1998-11-16 | 2001-12-18 | Tradeaccess, Inc. | System and method for ordering sample quantities over a network |
US6185545B1 (en) | 1998-11-17 | 2001-02-06 | Prenet Corporation | Electronic payment system utilizing intermediary account |
US6032136A (en) | 1998-11-17 | 2000-02-29 | First Usa Bank, N.A. | Customer activated multi-value (CAM) card |
US20010044293A1 (en) | 1998-11-30 | 2001-11-22 | Joseph La Mance Morgan | System and method for global real-time account tracking |
US7937325B2 (en) | 1998-12-08 | 2011-05-03 | Yodlee.Com, Inc. | Interactive bill payment center |
CA2291920A1 (fr) | 1998-12-11 | 2000-06-11 | Karuna Ganesan | Technique d'execution de transactions protegees sur un reseau |
US7209889B1 (en) | 1998-12-24 | 2007-04-24 | Henry Whitfield | Secure system for the issuance, acquisition, and redemption of certificates in a transaction network |
US6256690B1 (en) | 1999-01-15 | 2001-07-03 | Todd Carper | System and method for facilitating multiple applications on a smart card |
US6240397B1 (en) | 1999-02-17 | 2001-05-29 | Arye Sachs | Method for transferring, receiving and utilizing electronic gift certificates |
US8538801B2 (en) | 1999-02-19 | 2013-09-17 | Exxonmobile Research & Engineering Company | System and method for processing financial transactions |
US6764001B1 (en) | 2000-05-30 | 2004-07-20 | Sony Corporation | Electronic money system and transaction method using the same |
US6467684B2 (en) | 1999-03-02 | 2002-10-22 | Netvisions, Inc. | Pre-paid card system for purchasing products or services |
US6215999B1 (en) | 1999-03-17 | 2001-04-10 | Motorola, Inc. | Method and apparatus for identifying channels and channel frequencies used in a subzone of a wireless communication system |
US6424706B1 (en) | 1999-03-31 | 2002-07-23 | Imagine Networks, Llc | Method and system for transferring telecommunication-time units among accounts and exchanging same for goods or services |
US6363362B1 (en) | 1999-04-07 | 2002-03-26 | Checkfree Services Corporation | Technique for integrating electronic accounting systems with an electronic payment system |
US6609113B1 (en) | 1999-05-03 | 2003-08-19 | The Chase Manhattan Bank | Method and system for processing internet payments using the electronic funds transfer network |
US6648222B2 (en) | 1999-06-02 | 2003-11-18 | Mcdonald Ian | Internet-based zero intrinsic value smart card with value data accessed in real time from remote database |
US6381631B1 (en) | 1999-06-03 | 2002-04-30 | Marimba, Inc. | Method and apparatus for controlling client computer systems |
US6882984B1 (en) | 1999-06-04 | 2005-04-19 | Bank One, Delaware, National Association | Credit instrument and system with automated payment of club, merchant, and service provider fees |
US6507644B1 (en) | 1999-06-08 | 2003-01-14 | Worldcom, Inc. | Pre-paid telephone calling card linked to a stored value account |
US7249097B2 (en) | 1999-06-18 | 2007-07-24 | Echarge Corporation | Method for ordering goods, services, and content over an internetwork using a virtual payment account |
CA2375048A1 (fr) | 1999-06-23 | 2000-12-28 | Richard Postrel | Systeme electronique de troc, d'echange et d'utilisation de points accumules dans le cadre de programmes de gratifications pour client fidele |
US7512551B2 (en) | 1999-06-23 | 2009-03-31 | Signature Systems Llc | Method and system for implementing a search engine with reward components and payment components |
US6675153B1 (en) | 1999-07-06 | 2004-01-06 | Zix Corporation | Transaction authorization system |
US20030105672A1 (en) | 1999-07-09 | 2003-06-05 | Epstein John B. | Method and apparatus to facilitate payment over a computer network |
US6827260B2 (en) | 1999-08-09 | 2004-12-07 | First Data Corporation | Systems and methods for utilizing a point-of-sale system |
US7086584B2 (en) | 1999-08-09 | 2006-08-08 | First Data Corporation | Systems and methods for configuring a point-of-sale system |
US7376583B1 (en) | 1999-08-10 | 2008-05-20 | Gofigure, L.L.C. | Device for making a transaction via a communications link |
AU4350699A (en) | 1999-08-11 | 2001-02-15 | Khai Hee Kwan | Method, apparatus and program to make payment in any currencies through a communication network system |
US7093761B2 (en) | 2001-09-24 | 2006-08-22 | E2Interactive, Inc. | System and method for distributing stored-value cards |
US8706630B2 (en) | 1999-08-19 | 2014-04-22 | E2Interactive, Inc. | System and method for securely authorizing and distributing stored-value card data |
US7168615B2 (en) | 2001-09-24 | 2007-01-30 | E2Interactive, Inc. | Keycard for automating transaction requests |
US6575361B1 (en) | 1999-08-19 | 2003-06-10 | E-2 Interactive, Inc. | System and method for managing stored-value card data |
US7328190B2 (en) | 2002-09-24 | 2008-02-05 | E2Interactive, Inc. | System and method for adding value to a stored-value account |
US7630926B2 (en) | 1999-08-19 | 2009-12-08 | E2Interactive, Inc. | Inserting value into customer account at point of sale using a customer account identifier |
US6397196B1 (en) | 1999-08-30 | 2002-05-28 | Steven Kravetz | Hybrid installment loan/savings account |
US6158657A (en) | 1999-09-03 | 2000-12-12 | Capital One Financial Corporation | System and method for offering and providing secured credit card products |
US7085931B1 (en) | 1999-09-03 | 2006-08-01 | Secure Computing Corporation | Virtual smart card system and method |
US7171199B1 (en) | 1999-09-10 | 2007-01-30 | Lucent Technologies Inc. | Method and system for directing a data message in a wireless communications network including multiple wireless systems |
US20030088462A1 (en) | 1999-09-20 | 2003-05-08 | Frank Agovino | Debit card system and method for implementing incentive award program |
US20030078835A1 (en) | 1999-09-24 | 2003-04-24 | Todd Kendal Pluchinske | Method of establishing a promotion at a point of sale terminal |
US20050108096A1 (en) | 1999-09-28 | 2005-05-19 | Chameleon Network Inc. | Portable electronic authorization system and method |
US6494367B1 (en) | 1999-10-15 | 2002-12-17 | Ajit Kumar Zacharias | Secure multi-application card system |
US6814282B2 (en) | 1999-10-26 | 2004-11-09 | First Data Corporation | Systems and methods of introducing and receiving information across a computer network |
US7104440B2 (en) | 1999-10-26 | 2006-09-12 | First Data Corporation | Money transfer systems and methods for travelers |
WO2001031555A1 (fr) | 1999-10-28 | 2001-05-03 | Gould David B | Carte prepayee equivalent a une valeur en especes et systeme associe |
US6315206B1 (en) | 1999-11-24 | 2001-11-13 | Barry Fiala, Inc. | Wallet card package |
US6529880B1 (en) | 1999-12-01 | 2003-03-04 | Intermec Ip Corp. | Automatic payment system for a plurality of remote merchants |
US6516056B1 (en) | 2000-01-07 | 2003-02-04 | Vesta Corporation | Fraud prevention system and method |
AU770158B2 (en) | 2000-01-28 | 2004-02-12 | Visa Cape Town (Pty) Ltd | System for conducting commercial transactions |
AU2001236694A1 (en) | 2000-02-03 | 2001-12-17 | Applied Science Fiction | Method and system for self-service film processing |
US6615190B1 (en) | 2000-02-09 | 2003-09-02 | Bank One, Delaware, National Association | Sponsor funded stored value card |
US20010032878A1 (en) | 2000-02-09 | 2001-10-25 | Tsiounis Yiannis S. | Method and system for making anonymous electronic payments on the world wide web |
FR2804810B1 (fr) | 2000-02-09 | 2003-09-12 | France Telecom | Activation de service par carte pre-payee virtuelle |
US6612487B2 (en) | 2000-02-14 | 2003-09-02 | Mas Inco Corporation | Method and system for account activation |
AU2656500A (en) | 2000-02-29 | 2001-09-12 | Swisscom Mobile Ag | Transaction confirmation method, authentication server and wap server |
US6328341B2 (en) | 2000-03-07 | 2001-12-11 | Western Graphics And Data, Inc. | Multiple-component data package |
AU2001243473A1 (en) | 2000-03-07 | 2001-09-17 | American Express Travel Related Services Company, Inc. | System for facilitating a transaction |
AU4927601A (en) | 2000-03-24 | 2001-10-08 | Alticor Inc | System and method for detecting fraudulent transactions |
US6386457B1 (en) | 2000-04-19 | 2002-05-14 | Edward Earl Sorie | Prepaid entertainment card and methods and systems for using prepaid entertainment card |
CA2377626A1 (fr) | 2000-04-19 | 2001-08-09 | Magicaxess | Procede et dispositif de paiement electronique |
MXPA02010326A (es) | 2000-04-20 | 2004-08-12 | Innovative Payment Systems Llc | Metodo y sistema para la habilitacion de moneda legal electronica. |
JP2001306987A (ja) | 2000-04-25 | 2001-11-02 | Nec Corp | 携帯電話機によるカード利用承認方法、カード決済システム及び装置 |
US6549770B1 (en) | 2000-05-26 | 2003-04-15 | Cellco Partnership | Over the air programming and/or service activation |
AU2001265107A1 (en) | 2000-05-26 | 2001-12-11 | Interchecks, Llc | Methods and systems for network based electronic purchasing system |
EP1164777A3 (fr) | 2000-06-06 | 2003-10-08 | Nortel Networks Limited | Procédé et dispositif permettant de rafraichir un compte prepaye pour services de communication sans fil |
US6651885B1 (en) | 2000-06-08 | 2003-11-25 | Luis A. Arias | Multi-function transaction processing system |
US6736314B2 (en) | 2000-06-09 | 2004-05-18 | Telecom Usa | Methods and systems for transferring funds |
US6588658B1 (en) | 2000-06-23 | 2003-07-08 | Eric Blank | Transaction card with attached auxiliary member |
WO2002003342A2 (fr) | 2000-06-30 | 2002-01-10 | Tara Chand Singhal | Procede et appareil destines a un systeme de carte de paiement |
JP3389920B2 (ja) | 2000-07-10 | 2003-03-24 | 日本電気株式会社 | ディスクアレイ装置およびディスクアレイ装置の割り込み実行方法 |
GB0017044D0 (en) | 2000-07-11 | 2000-08-30 | Newt Limited | Improvements relating to electronic transactions |
WO2002007110A2 (fr) | 2000-07-17 | 2002-01-24 | Connell Richard O | Systeme et procede d'authentification d'un utilisateur autorise d'une carte de paiement, et autorisation d'une transaction par carte de paiement |
KR20020008915A (ko) * | 2000-07-21 | 2002-02-01 | 손창환 | 상품권매매시스템 |
US7469233B2 (en) | 2000-07-24 | 2008-12-23 | American Express Travel Related Services Company, Inc. | Method and system for facilitating the anonymous purchase of goods and services from an e-commerce website |
WO2002013435A1 (fr) | 2000-08-04 | 2002-02-14 | First Data Corporation | Procede et systeme d'utilisation de communications electroniques pour un contrat electronique |
US6836765B1 (en) | 2000-08-30 | 2004-12-28 | Lester Sussman | System and method for secure and address verifiable electronic commerce transactions |
US6834796B2 (en) | 2000-08-31 | 2004-12-28 | Level Z, L.L.C. | Anonymous redemption and stored value system and method |
US20040172339A1 (en) | 2000-09-20 | 2004-09-02 | Snelgrove W. Martin | Point of sale terminal |
JP4114032B2 (ja) | 2000-09-26 | 2008-07-09 | セイコーエプソン株式会社 | 個人認証装置 |
GB0024302D0 (en) | 2000-10-04 | 2000-11-15 | Webtrend Ltd | A method of conducting transactions using a distributed computer network such as the internet |
US20020152179A1 (en) | 2000-10-27 | 2002-10-17 | Achiezer Racov | Remote payment method and system |
US20050033645A1 (en) | 2000-10-31 | 2005-02-10 | Duphily Michele R. | Virtual cashier |
US6591098B1 (en) | 2000-11-07 | 2003-07-08 | At&T Wireless Services, Inc. | System and method for using a temporary electronic serial number for over-the-air activation of a mobile device |
US6582827B1 (en) | 2000-11-27 | 2003-06-24 | The Trustees Of Columbia University In The City Of New York | Specialized substrates for use in sequential lateral solidification processing |
WO2002046995A1 (fr) | 2000-12-06 | 2002-06-13 | Kim Min Suh | Systeme de transaction financiere electronique et procede proposant un service d'authentification en temps reel via un reseau de communication avec fil/sans fil |
US7130817B2 (en) | 2000-12-15 | 2006-10-31 | First Data Corporation | Electronic gift linking |
US20020077993A1 (en) | 2000-12-18 | 2002-06-20 | Nokia Corporation | Method and system for conducting wireless payments |
US6487401B2 (en) | 2000-12-18 | 2002-11-26 | Sbc Technology Resources, Inc. | Prepaid wireless telephone account regeneration in a wireless access protocol system |
US6529593B2 (en) | 2000-12-21 | 2003-03-04 | At&T Wireless Services, Inc. | Prepaid phone service for both wired and wireless telecommunication devices |
US6948065B2 (en) | 2000-12-27 | 2005-09-20 | Intel Corporation | Platform and method for securely transmitting an authorization secret |
US7242922B2 (en) | 2000-12-29 | 2007-07-10 | Vesta Corporation | Toll free calling account recharge system and method |
US20020091573A1 (en) | 2001-01-05 | 2002-07-11 | Hodes Mark B. | Method and apparatus for point of sale activated delivery of products or services |
US20020088855A1 (en) | 2001-01-05 | 2002-07-11 | Hodes Mark B. | Point of sale activation for software and metered accounts |
US20030014266A1 (en) | 2001-01-26 | 2003-01-16 | Funeral.Com, Inc. | Automated transactions of the funeral process |
US20030233317A1 (en) | 2001-01-30 | 2003-12-18 | Nyce Corporation | Methods and systems for transferring funds |
US20020133457A1 (en) | 2001-01-31 | 2002-09-19 | Gerlach Charles Althoff | Apparatus and method for prepaid charging of wireless packet data services |
US6934529B2 (en) | 2001-02-20 | 2005-08-23 | Sevket Ilhan Bagoren | Replenishment of pre-paid wireless telephone accounts using short message service (SMS) |
US6820802B2 (en) | 2001-02-27 | 2004-11-23 | American Express Travel Related Services Company, Inc. | Online card activation system and method |
US7292999B2 (en) | 2001-03-15 | 2007-11-06 | American Express Travel Related Services Company, Inc. | Online card present transaction |
US20020161631A1 (en) | 2001-03-29 | 2002-10-31 | International Business Machines Corporation | Methods for e-coupon extension |
US7103577B2 (en) | 2001-03-31 | 2006-09-05 | First Data Corporation | Systems and methods for staging transactions, payments and collections |
WO2002079939A2 (fr) | 2001-03-31 | 2002-10-10 | First Data Corporation | Systeme et procede de paiement electronique avec identificateur |
US20060277146A1 (en) | 2001-03-31 | 2006-12-07 | First Data Corporation | Electronic identifier payment systems and methods |
US7117183B2 (en) | 2001-03-31 | 2006-10-03 | First Data Coroporation | Airline ticket payment and reservation system and methods |
US7941368B2 (en) | 2001-05-08 | 2011-05-10 | Advent IP LLC | System and method for electronic transaction settlement |
US20020169623A1 (en) | 2001-05-10 | 2002-11-14 | Call Nicholas J. | Online creation of tickets for ticketed events |
US8498932B2 (en) | 2001-05-24 | 2013-07-30 | Daniel W. Davis | Card based transfer account |
US6659259B2 (en) | 2001-06-01 | 2003-12-09 | Datawave Systems, Inc. | Multiple denomination currency receiving and prepaid card dispensing method and apparatus |
US7182252B1 (en) | 2001-06-08 | 2007-02-27 | Telecommusa, Ltd. | Methods and systems for transferring funds |
KR20020094165A (ko) * | 2001-06-11 | 2002-12-18 | 주식회사 비즈모델라인 | 전자 화폐 및 전자 유가 증권의 환전 방법 및 시스템 |
WO2002101512A2 (fr) | 2001-06-12 | 2002-12-19 | Paytronix Systems, Inc. | Systeme de passerelle de paiement de commerçant, de fidelite et d'identification de client |
US20030004737A1 (en) | 2001-06-29 | 2003-01-02 | Conquest Christopher S. | Automated product registration |
US6527237B2 (en) | 2001-07-02 | 2003-03-04 | Harman International Industries Incorporated | Crossbar bracket assembly for speakers and monitors |
US7805378B2 (en) | 2001-07-10 | 2010-09-28 | American Express Travel Related Servicex Company, Inc. | System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions |
US7021531B2 (en) | 2001-07-13 | 2006-04-04 | Yves De Myttenaere | Payment device |
WO2003010951A1 (fr) | 2001-07-24 | 2003-02-06 | Citibank, N.A. | Procede et systeme de gestion de donnees dans des transactions a paiements electroniques |
WO2003010701A1 (fr) | 2001-07-24 | 2003-02-06 | First Usa Bank, N.A. | Carte a comptes multiples et acheminement de transactions |
US20030019770A1 (en) | 2001-07-26 | 2003-01-30 | Hodes Mark Brent | Method & apparatus for point of sale generated access to remote file |
US6525953B1 (en) | 2001-08-13 | 2003-02-25 | Matrix Semiconductor, Inc. | Vertically-stacked, field-programmable, nonvolatile memory and method of fabrication |
US6581827B2 (en) | 2001-08-24 | 2003-06-24 | Qwest Communications International Inc. | Universal prepaid telecommunication services card |
MXPA04002541A (es) | 2001-09-24 | 2004-05-31 | E2Interactive Inc | Sistema y metodo para suministrar servicio de comunicacion. |
US7311249B2 (en) | 2001-09-24 | 2007-12-25 | E2Interactive, Inc. | System and method for conducting a return transaction for a PIN-activated account |
US7991386B2 (en) | 2003-11-14 | 2011-08-02 | E2Interactive, Inc. | System and method for authorizing the activation of a communication device |
US6592035B2 (en) | 2001-09-27 | 2003-07-15 | Arthur Blank & Co. | Method and apparatus for rapid, serial transaction item fabrication |
US7054842B2 (en) | 2001-10-03 | 2006-05-30 | First Data Corporation | Stored value cards and methods for their issuance |
US7996318B2 (en) | 2001-10-09 | 2011-08-09 | Robert Victor Marcon | Multi-function electronic transaction card |
US6961412B2 (en) | 2001-11-08 | 2005-11-01 | Bellsouth Intellectual Property Corporation | Method and system for prepaid communications credit |
US20030092435A1 (en) | 2001-11-09 | 2003-05-15 | Roger Boivin | System and method to automatically activate a recyclable/disposable telephone using a point-of-sale terminal |
US20040159700A1 (en) | 2001-12-26 | 2004-08-19 | Vivotech, Inc. | Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device |
AU2002237816A1 (en) | 2002-01-08 | 2003-07-30 | Riverborne Communications, Llc | Point-of-sale activation and subsequent registration of products |
US7245902B2 (en) | 2002-01-16 | 2007-07-17 | 2 Ergo Limited | Secure messaging via a mobile communications network |
US6666378B2 (en) | 2002-01-25 | 2003-12-23 | Davila Milton | Multimedia gift card |
US20030144909A1 (en) | 2002-01-30 | 2003-07-31 | Flaherty Stephen C. | Point-of-sale-activation device |
US20030144935A1 (en) | 2002-01-30 | 2003-07-31 | Sobek Michael F. | Methods and systems for processing, accounting, and administration of stored value cards |
US7376431B2 (en) | 2002-02-05 | 2008-05-20 | Niedermeyer Brian J | Location based fraud reduction system and method |
US7039654B1 (en) * | 2002-09-12 | 2006-05-02 | Asset Trust, Inc. | Automated bot development system |
US7398248B2 (en) | 2002-02-08 | 2008-07-08 | Catalina Marketing Corporation | System and method for using cards for sponsored programs |
US20050182720A1 (en) | 2003-02-24 | 2005-08-18 | Wow! Technologies, Inc. | Online payment system and method |
EP1476825A4 (fr) | 2002-02-23 | 2005-04-13 | Wow Technologies Inc | Systeme de carte de debit rechargeable et procede associe |
US7197477B2 (en) | 2002-02-27 | 2007-03-27 | Walgreen Co. | System for selling subscriptions to periodicals using subscription giftcards |
CN1647088A (zh) | 2002-03-14 | 2005-07-27 | 欧洲计算机网环球公司 | 用于通过销售点网络上的数据网络接入点购买商品和服务的系统和方法 |
US20030187781A1 (en) | 2002-03-26 | 2003-10-02 | First Data Corporation | Method and system for processing card reissue transactions |
US6745022B2 (en) | 2002-04-12 | 2004-06-01 | Datawave Systems, Inc. | Multiple service provider prepaid wireless service card |
US6643503B1 (en) | 2002-04-17 | 2003-11-04 | Motorola, Inc. | Wireless speaker for radio communication device |
US7707120B2 (en) | 2002-04-17 | 2010-04-27 | Visa International Service Association | Mobile account authentication service |
US20030204457A1 (en) | 2002-04-26 | 2003-10-30 | Arias Luis A. | Payee account payment system |
US6805289B2 (en) | 2002-05-23 | 2004-10-19 | Eduardo Noriega | Prepaid card payment system and method for electronic commerce |
KR20030090435A (ko) | 2002-05-23 | 2003-11-28 | 에스케이 텔레콤주식회사 | 금융 거래 시스템 및 방법 |
JP2004054897A (ja) | 2002-05-29 | 2004-02-19 | Toshiba Tec Corp | カード認証サーバ装置及びカード認証プログラム |
US20030222138A1 (en) | 2002-05-31 | 2003-12-04 | Carole Oppenlander | System and method for authorizing transactions |
DE10224209B4 (de) | 2002-05-31 | 2004-09-23 | Infineon Technologies Ag | Autorisierungseinrichtung-Sicherheitsmodul-Terminal-System |
US7209890B1 (en) | 2002-06-20 | 2007-04-24 | Bellsouth Intellectual Property Corp. | System and method for replenishing a wireless terminal account |
US7606730B2 (en) | 2002-06-25 | 2009-10-20 | American Express Travel Relate Services Company, Inc. | System and method for a multiple merchant stored value card |
US20040007618A1 (en) | 2002-07-10 | 2004-01-15 | Scott Oram | Prepaid credit card method |
US20040054587A1 (en) | 2002-07-16 | 2004-03-18 | Dev Roger A. | System and method for managing private consumer accounts using branded loyalty cards and self-service terminals |
US20040024697A1 (en) | 2002-07-24 | 2004-02-05 | Landa Pedro Enrique | Method and system for transferring money |
US7177846B2 (en) | 2002-07-29 | 2007-02-13 | Checkfree Corporation | Technique for account authentication |
JP3737462B2 (ja) | 2002-07-30 | 2006-01-18 | ソニー・エリクソン・モバイルコミュニケーションズ株式会社 | 情報処理システム、情報通信端末および方法、情報処理装置および方法、記録媒体、並びにプログラム |
US20040107170A1 (en) | 2002-08-08 | 2004-06-03 | Fujitsu Limited | Apparatuses for purchasing of goods and services |
US20040114766A1 (en) | 2002-08-26 | 2004-06-17 | Hileman Mark H. | Three-party authentication method and system for e-commerce transactions |
US20040049427A1 (en) | 2002-09-11 | 2004-03-11 | Tami Michael A. | Point of sale system and method for retail stores |
US6805287B2 (en) | 2002-09-12 | 2004-10-19 | American Express Travel Related Services Company, Inc. | System and method for converting a stored value card to a credit card |
KR100404872B1 (ko) | 2002-09-28 | 2003-11-07 | 주식회사 엠키 | 가상카드 서비스 시스템 및 방법 |
KR20040034190A (ko) * | 2002-10-21 | 2004-04-28 | 주식회사 트리플유통 | 통합 상품권 유통 시스템 |
US20040181453A1 (en) | 2002-11-06 | 2004-09-16 | Ray James Thomas | Configurable stored value platform |
JP2004206435A (ja) | 2002-12-25 | 2004-07-22 | Victor Co Of Japan Ltd | ライセンス管理方法、およびライセンス管理システム |
US7409358B2 (en) | 2003-02-21 | 2008-08-05 | First Data Corporation | Methods and systems for coordinating a change in status of stored-value cards |
US7195151B2 (en) | 2003-02-25 | 2007-03-27 | American Cash Exchange, L.L.C. | Method and system for automated value transfer |
US20040182922A1 (en) | 2003-03-21 | 2004-09-23 | Frank Talarico | Systems and methods for a loadable stored-value card with a contribution to a specified beneficiary |
US20040205023A1 (en) | 2003-04-08 | 2004-10-14 | First Data Corporation | Money transfer convenience card, systems and methods |
BRPI0409120A (pt) | 2003-04-09 | 2006-03-28 | Gtech Corp | métodos para aumentar crédito em uma conta, para processar transações e para facilitar transações de crédito, sistema para facilitar transações de crédito, método para transferir crédito entre múltiplas contas, dispositivo móvel, sistema para facilitar transações sem fios, e, método para facilitar transações sem fios para uma conta de loteria |
US20040215573A1 (en) | 2003-04-23 | 2004-10-28 | Gift Cards Llc | Method and system for authorizing the use of merchant specific gift cards |
US20040215560A1 (en) | 2003-04-25 | 2004-10-28 | Peter Amalraj | Integrated payment system and method |
US8082210B2 (en) | 2003-04-29 | 2011-12-20 | The Western Union Company | Authentication for online money transfers |
ATE379946T1 (de) | 2003-05-22 | 2007-12-15 | Axalto Sa | Fern-simkarten-austach und aktivierungsprozess |
WO2004107280A2 (fr) | 2003-05-28 | 2004-12-09 | Ewi Holdings, Inc. | Systeme et procede pour reconstitution de compte prepaye electronique |
JP4175190B2 (ja) | 2003-06-19 | 2008-11-05 | 株式会社日立製作所 | 業務サービス管理システムおよびサービスプロバイダの評価方法 |
US6932268B1 (en) | 2003-06-30 | 2005-08-23 | Checkfree Corporation | Dual mode credit card based payment technique |
US20050001027A1 (en) | 2003-07-03 | 2005-01-06 | Bamdad Bahar | Integrated cards |
RU2006104445A (ru) | 2003-07-15 | 2006-07-10 | Американ Экспресс Тревл Рилейтед Сервисиз Компани, Инк., (US) | Способ и компьютеризированная система для управления финансовым счетом, способ регулирования величины доступного остатка на счете, способ перечисления средств на счет, компьютеризированная система для перечисления средств на счет и способ финансового счета, связанного с предоплаченной карточкой |
US20050075958A1 (en) | 2003-10-01 | 2005-04-07 | Edwin Gonzalez | Cellular phone financial device |
US7565141B2 (en) | 2003-10-08 | 2009-07-21 | Macaluso Anthony G | Over the air provisioning of mobile device settings |
US20050199709A1 (en) | 2003-10-10 | 2005-09-15 | James Linlor | Secure money transfer between hand-held devices |
US7676395B2 (en) | 2003-10-14 | 2010-03-09 | Compucredit Intellectual Property Holdings Corp. Ii | On-us cash withdrawal at a point-of-sale |
US7437328B2 (en) | 2003-11-14 | 2008-10-14 | E2Interactive, Inc. | Value insertion using bill pay card preassociated with biller |
US20050125300A1 (en) | 2003-12-04 | 2005-06-09 | Mcgill John G. | Method for adding cash value to pre-paid cards |
US20050149387A1 (en) | 2003-12-30 | 2005-07-07 | Kimberly-Clark Worldwide, Inc. | RFID system and method for instant rebates |
US20050143051A1 (en) | 2003-12-30 | 2005-06-30 | Welgate Corporation | Mobile authentication/financial transaction system using a unique mobile identification code and method thereof |
WO2005070032A2 (fr) | 2004-01-23 | 2005-08-04 | Mastercard International Incorporated | Systeme et procede pour generer des identificateurs sans collision pour des cartes de transaction financiere |
CA2495949A1 (fr) | 2004-02-05 | 2005-08-05 | Simon Law | Systeme d'autorisation securise sans fil |
US20050182678A1 (en) | 2004-02-12 | 2005-08-18 | Walker Jay S. | Products and processes for vending machine gift certificates |
US7566000B2 (en) | 2004-02-17 | 2009-07-28 | Walgreen Co. | Method and system for providing a flexible product purchase account for members of a healthcare organization |
US7021530B2 (en) | 2004-02-25 | 2006-04-04 | Payment Data Systems, Inc. | System and method for managing and processing stored-value cards and bill payment therefrom |
US7194438B2 (en) | 2004-02-25 | 2007-03-20 | Nokia Corporation | Electronic payment schemes in a mobile environment for short-range transactions |
US7243839B2 (en) | 2004-03-12 | 2007-07-17 | American Express Travel Related Services Company, Inc. | Systems, methods, and devices for selling transaction instruments |
GB2427496A (en) | 2004-04-08 | 2006-12-27 | Patch Pte Ltd | Apparatus for identification,authorisation and/or notification |
US8660950B2 (en) | 2004-04-16 | 2014-02-25 | Wells Fargo, N.A. | System and method for bill pay with credit card funding |
US20050240526A1 (en) | 2004-04-26 | 2005-10-27 | Paycenters, Llc | Automated financial service system |
US7370805B2 (en) | 2004-04-30 | 2008-05-13 | E2Interactive, Inc. | Transaction card comprising two magnetic stripes |
US7707110B2 (en) | 2004-05-04 | 2010-04-27 | First Data Corporation | System and method for conducting transactions with different forms of payment |
US7472827B2 (en) | 2004-05-17 | 2009-01-06 | American Express Travel Related Services Company, Inc. | Limited use PIN system and method |
CA2566978A1 (fr) | 2004-05-18 | 2005-12-08 | Rba International, Inc. | Systemes et methodes pour controle de compte distant |
US20050259589A1 (en) | 2004-05-24 | 2005-11-24 | Metrobility Optical Systems Inc. | Logical services loopback |
WO2005119607A2 (fr) | 2004-06-03 | 2005-12-15 | Tyfone, Inc. | Systeme et procede pour securiser pour des transactions financieres |
US20050269401A1 (en) | 2004-06-03 | 2005-12-08 | Tyfone, Inc. | System and method for securing financial transactions |
US20050278216A1 (en) | 2004-06-10 | 2005-12-15 | E2Interactive, Inc. D/B/A E2Interactive, Inc. | System and method for distributing an identifier redeemable for a plurality of products |
US7229014B1 (en) | 2004-06-25 | 2007-06-12 | Richard Snyder | systems and methods for account number generation and provisioning |
US7580363B2 (en) | 2004-08-16 | 2009-08-25 | Nokia Corporation | Apparatus and method for facilitating contact selection in communication devices |
US7641109B2 (en) | 2005-05-18 | 2010-01-05 | The Western Union Company | Money transfer cards, systems and methods |
AU2004324799A1 (en) | 2004-11-10 | 2006-05-18 | Alexandre Sam Zormati | Prepaid payment card that can be instantly recharged remotely by coupon |
US7905399B2 (en) | 2004-11-19 | 2011-03-15 | Barnes Brian T | Linking transaction cards with spending accounts |
US7866548B2 (en) | 2004-12-01 | 2011-01-11 | Metavante Corporation | Account control method and system that allows only eligible and authorized items to be purchased using the account |
US7290703B2 (en) | 2005-01-03 | 2007-11-06 | Arthur Blank & Company, Inc. | Method and apparatus for providing multiple transaction cards in assembly |
US7650308B2 (en) | 2005-01-04 | 2010-01-19 | Visa U.S.A. Inc. | Auto substantiation for over-the-counter transactions |
US7290714B2 (en) | 2005-01-18 | 2007-11-06 | Target Brands, Inc. | Stored-value card with light |
US20060167780A1 (en) | 2005-01-26 | 2006-07-27 | Friedman Gary E | College savings plan account registry and method |
US7472822B2 (en) | 2005-03-23 | 2009-01-06 | E2Interactive, Inc. | Delivery of value identifiers using short message service (SMS) |
US20060213980A1 (en) | 2005-03-25 | 2006-09-28 | Bluko Information Group | Method and system of detecting cash deposits and attributing value |
US8112354B2 (en) | 2005-04-08 | 2012-02-07 | Billeo, Inc | Method and system for virtual consolidation of biller direct web sites |
US7275683B2 (en) | 2005-04-18 | 2007-10-02 | Target Brands, Inc. | Stored-value card assembly with package |
US20060249569A1 (en) | 2005-05-03 | 2006-11-09 | Capital One Financial Corporation | Monetary card with programmable customer identification code |
US20060271489A1 (en) | 2005-05-25 | 2006-11-30 | Mbs Textbook Exchange, Inc. | Method for distributing digital books |
US20070063024A1 (en) | 2005-09-21 | 2007-03-22 | Plastyc Inc. | Dual macro- and micro-payment card system |
US20060026073A1 (en) | 2005-10-24 | 2006-02-02 | Kenny Edwin R Jr | Methods and Systems for Managing Card Programs and Processing Card Transactions |
US20070108269A1 (en) | 2005-11-16 | 2007-05-17 | Benco David S | Processing merchant point-of-sale transactions using a mobile subscriber device |
US20070214080A1 (en) * | 2006-02-28 | 2007-09-13 | Rene Pierre Babi | Intermediary payment system and method |
US8489067B2 (en) | 2006-07-06 | 2013-07-16 | Qualcomm Incorporated | Methods and systems for distribution of a mobile wallet for a mobile device |
US8467766B2 (en) | 2006-07-06 | 2013-06-18 | Qualcomm Incorporated | Methods and systems for managing payment sources in a mobile environment |
EP1978477A3 (fr) | 2006-07-06 | 2011-03-02 | Firethorn Holdings, LLC | Procédés et systèmes pour effectuer un paiement via une carte à valeur stockée dans un environnement mobile |
US7677446B2 (en) | 2006-08-16 | 2010-03-16 | Kurt Wise | System and apparatus for transactions using prepaid cards |
US20080109356A1 (en) | 2006-10-04 | 2008-05-08 | Sutton David B | Fraud detection system and method for loading stored value cards |
US7690580B2 (en) | 2006-11-17 | 2010-04-06 | Austin William Shoemaker | Transaction cards having dynamically reconfigurable data interface and methods for using same |
US7739193B2 (en) | 2006-12-27 | 2010-06-15 | Sap Ag | Paying multiple payees through integration of a third-party on-line payment system with an enterprise information technology system |
US8676672B2 (en) | 2007-08-23 | 2014-03-18 | E2Interactive, Inc. | Systems and methods for electronic delivery of stored value |
WO2009114732A2 (fr) * | 2008-03-12 | 2009-09-17 | Ideaedge, Inc. | Carte cadeau de groupe activée par réseau social |
US8060413B2 (en) | 2008-03-14 | 2011-11-15 | Research In Motion Limited | System and method for making electronic payments from a wireless mobile device |
WO2009146415A1 (fr) | 2008-05-30 | 2009-12-03 | Total System Services, Inc. | Système et procédé pour traiter des transactions sans communiquer d’informations sur un compte à un bénéficiaire |
US8046268B2 (en) | 2008-07-14 | 2011-10-25 | Shop Ma, Inc. | Multi-merchant payment system |
US20100063906A1 (en) | 2008-09-05 | 2010-03-11 | Giftango Corporation | Systems and methods for authentication of a virtual stored value card |
US20100076833A1 (en) | 2008-09-19 | 2010-03-25 | Giftango Corporation | Systems and methods for managing and using a virtual card |
US8371502B1 (en) * | 2008-10-28 | 2013-02-12 | Metabank | Shopping center gift card offer fulfillment machine, program product, and associated methods |
WO2010062986A2 (fr) | 2008-11-26 | 2010-06-03 | Ringcentral, Inc. | Techniques de prévention de fraude |
US8224709B2 (en) | 2009-10-01 | 2012-07-17 | Boku, Inc. | Systems and methods for pre-defined purchases on a mobile communication device |
US8500007B2 (en) * | 2009-10-02 | 2013-08-06 | Giftcodes.Com, Llc | System and method for merchant interaction with and tracking of the secondary gift card marketplace |
US20110087592A1 (en) | 2009-10-13 | 2011-04-14 | Van Der Veen Larry | Systems and methods for facilitating transactions |
US20110196753A1 (en) | 2010-02-09 | 2011-08-11 | Brian Joseph Hodgdon | System and method for immediate issuance of an activated prepaid card with improved security measures |
US20110282784A1 (en) | 2010-05-14 | 2011-11-17 | Giftango Corporation | Systems and methods for reassignment of a virtual card |
-
2010
- 2010-10-13 US US12/903,987 patent/US20110137740A1/en not_active Abandoned
- 2010-10-21 WO PCT/US2010/053532 patent/WO2011068602A2/fr active Application Filing
- 2010-10-21 CA CA3027572A patent/CA3027572A1/fr not_active Abandoned
- 2010-10-21 CA CA2782657A patent/CA2782657C/fr active Active
- 2010-10-21 AU AU2010326684A patent/AU2010326684B2/en active Active
- 2010-10-21 EP EP10834906.9A patent/EP2507756A4/fr not_active Ceased
-
2012
- 2012-05-09 US US13/467,994 patent/US20120221425A1/en not_active Abandoned
- 2012-05-09 US US13/467,997 patent/US8751294B2/en active Active
Patent Citations (60)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20040210509A1 (en) * | 1997-01-06 | 2004-10-21 | Eder Jeff Scott | Automated method of and system for identifying, measuring and enhancing categories of value for a value chain |
US7243082B1 (en) * | 1999-06-30 | 2007-07-10 | Kyklos Entertainment S.R.L. | Method and apparatus for generating a sale offer to selected individuals over electronic network systems |
US20040205138A1 (en) * | 1999-10-18 | 2004-10-14 | 4Yoursoul.Com | Method and apparatus for creation, personalizatioin, and fulfillment of greeting cards with gift cards |
US20020070953A1 (en) * | 2000-05-04 | 2002-06-13 | Barg Timothy A. | Systems and methods for visualizing and analyzing conditioned data |
US20100280906A1 (en) * | 2000-07-18 | 2010-11-04 | Lim Stanley T | Economic Filtering System for Delivery of Permission Based, Targeted, Incentivized Advertising |
US20050171902A1 (en) * | 2001-08-15 | 2005-08-04 | Nguyen Martin K. | Item exchange using a trusted party |
US7222090B2 (en) * | 2001-08-29 | 2007-05-22 | Sedna Patent Services, Llc | Method and system for parsing purchase information from web pages |
US7958049B2 (en) * | 2001-11-01 | 2011-06-07 | Metavante Corporation | System and method for obtaining customer bill information and facilitating bill payment at biller websites |
US20060069642A1 (en) * | 2002-02-15 | 2006-03-30 | Michael Doran | Methods and systems for exchanging and or transferring various forms of value |
US20060207856A1 (en) * | 2002-02-15 | 2006-09-21 | Dean Scott A | Methods and systems for exchanging and/or transferring various forms of value |
US20100198726A1 (en) * | 2002-02-15 | 2010-08-05 | Coinstar, Inc. | Methods and systems for exchanging/transferring gift cards |
US7653599B2 (en) * | 2002-02-15 | 2010-01-26 | Coinstar, Inc. | Methods and systems for exchanging and/or transferring various forms of value |
US20040021509A1 (en) * | 2002-04-17 | 2004-02-05 | Virtual Silicon Technologies, Inc., A Delaware Corporation | Circuitry to provide a low power input buffer |
US20070005685A1 (en) * | 2002-09-16 | 2007-01-04 | Wunchun Chau | Browser-based payment system |
US7316350B2 (en) * | 2003-04-22 | 2008-01-08 | First Data Corporation | Multi-purse card system and methods |
US20050038714A1 (en) * | 2003-05-28 | 2005-02-17 | John Bonet | Self-service gift card dispensing terminal and method of use |
US20050016748A1 (en) * | 2003-07-25 | 2005-01-27 | Ritter Bryan D. | Security apparatus and method |
US7325725B2 (en) * | 2003-10-14 | 2008-02-05 | Purpose Intellectual Property Management Ii, Inc. | Stored value card account transfer system |
US20070094129A1 (en) * | 2003-12-19 | 2007-04-26 | E2Interactive, Inc. D/B/A E2Interactive, Inc. | System and method for adding value to a stored-value account using provider specific pin |
US7494048B2 (en) * | 2004-04-08 | 2009-02-24 | International Business Machines Corporation | System and method for brand name gift card exchange |
US20080162299A1 (en) * | 2004-04-08 | 2008-07-03 | Carl Phillip Gusler | System for brand name gift card exchange |
US20060231611A1 (en) * | 2005-03-23 | 2006-10-19 | Chakiris Phil M | Radio frequency identification purchase transactions |
US20060224454A1 (en) * | 2005-03-31 | 2006-10-05 | Synergy World, Inc. | Tracking merchant specific reward credits and balances in a multi merchant environment utilizing one card or account number |
US20060249570A1 (en) * | 2005-05-04 | 2006-11-09 | First Data Corporation | System and method for accounting for activation of stored value cards |
US20070045403A1 (en) * | 2005-08-31 | 2007-03-01 | Slonecker David B Jr | System and method for locking and unlocking a financial account card |
US20070136194A1 (en) * | 2005-12-14 | 2007-06-14 | David Sloan | Hybrid card |
US20070172063A1 (en) * | 2006-01-20 | 2007-07-26 | Microsoft Corporation | Out-Of-Band Authentication for Automated Applications ("BOTS") |
US20070179846A1 (en) * | 2006-02-02 | 2007-08-02 | Microsoft Corporation | Ad targeting and/or pricing based on customer behavior |
US20070187494A1 (en) * | 2006-02-16 | 2007-08-16 | First Data Corporation | Cash redemption of gift cards systems and methods |
US20070205269A1 (en) * | 2006-03-02 | 2007-09-06 | Lindon Mark L | Method and system for the resale of prepaid cards and paper gift certificates |
US20070272736A1 (en) * | 2006-05-24 | 2007-11-29 | Jason Brooks | Systems and methods for transferring value between stored value systems |
US7673327B1 (en) * | 2006-06-27 | 2010-03-02 | Confluence Commons, Inc. | Aggregation system |
US20100280911A1 (en) * | 2006-07-27 | 2010-11-04 | Leverage, Inc. | System and method for targeted marketing and consumer resource management |
US20080148408A1 (en) * | 2006-12-13 | 2008-06-19 | Institute For Information Industry | System and method of parsing web page vulnerability and recording medium thereof |
US20080162271A1 (en) * | 2006-12-29 | 2008-07-03 | Zazzle, Inc. | Gift card sharing in a custom merchandise environment |
US20090063530A1 (en) * | 2007-09-04 | 2009-03-05 | Lg Telecom Ltd. | System and method for mobile web service |
US20120016725A1 (en) * | 2007-09-14 | 2012-01-19 | Ward/Kraft Inc. | Combination Retailing System For Consumer Based Products Or Precious Stones and Metals |
US20090112709A1 (en) * | 2007-10-29 | 2009-04-30 | Barhydt William J | Mobile Value Transfer System |
US20110276437A1 (en) * | 2007-12-24 | 2011-11-10 | Mullen Jeffrey D | Payment cards and devices with gift card, global integration, and magnetic stripe reader communication functionality |
US20090182663A1 (en) * | 2008-01-03 | 2009-07-16 | Hurst Douglas J | System and method for re-distributing and transferring mobile gift cards |
US20090192928A1 (en) * | 2008-01-29 | 2009-07-30 | Basil Munir Abifaker | Integration of gift card services for mobile devices and social networking services |
US7953654B2 (en) * | 2008-01-29 | 2011-05-31 | Transaction Wireless, Inc. | Integration of gift card services for mobile devices and social networking services |
US20090265269A1 (en) * | 2008-04-18 | 2009-10-22 | Stoecker Mark A | System and Method for Providing a Swap System in a Network Environment |
US20090327441A1 (en) * | 2008-06-30 | 2009-12-31 | France Telecom | Instant messaging as a communication channel for a contact center |
US20100036524A1 (en) * | 2008-08-08 | 2010-02-11 | Chirco Paul T | Method and Apparatus for Converting a Gift Card into a Generic Prepaid Credit Card |
US20100057580A1 (en) * | 2008-08-28 | 2010-03-04 | Radha Raghunathan | Unified payment card |
US20100078474A1 (en) * | 2008-09-30 | 2010-04-01 | Apple Inc. | Custom content gift cards |
US20100200653A1 (en) * | 2009-02-09 | 2010-08-12 | Giftcards.com LLC | System and method for converting closed loop cards into gift codes |
US8152060B2 (en) * | 2009-02-09 | 2012-04-10 | Giftcards.Com, Llc | System and method for processing closed loop cards and codes |
US8152061B2 (en) * | 2009-02-09 | 2012-04-10 | Giftcards.Com, Llc | System and method for processing closed loop cards and codes |
US20100299194A1 (en) * | 2009-05-22 | 2010-11-25 | Snyder Glenn A | Systems and methods for implementing and managing gift cards |
US20100305957A1 (en) * | 2009-06-02 | 2010-12-02 | Roger Parsons | Method and system of redeeming gold for cash or other value |
US20110112919A1 (en) * | 2009-10-14 | 2011-05-12 | Beau Gray | Gift-card and online payment system |
US20120059736A1 (en) * | 2009-12-04 | 2012-03-08 | Ashmit Bhattacharya | Processing value-ascertainable items |
US20110166992A1 (en) * | 2010-01-06 | 2011-07-07 | Firethorn Holdings, Llc | System and method for creating and managing a stored value account associated with a client unique identifier |
US20110238549A1 (en) * | 2010-03-25 | 2011-09-29 | Leftovercash, Inc. | Foreign currency exchange system and method |
US20110295744A1 (en) * | 2010-05-28 | 2011-12-01 | Mark Lloyd Wisniewski | Gift card processing |
US20120072298A1 (en) * | 2010-09-19 | 2012-03-22 | Srinivasan Ramanujam | Method and System for Facilitating Automated Real Time Negotiating and Bargaining Followed by Purchase of Merchandize |
US20120150731A1 (en) * | 2010-12-14 | 2012-06-14 | Moneyhoney Llc | System and method for processing group gift cards |
US20130073459A1 (en) * | 2011-09-20 | 2013-03-21 | Plastic Jungle, Inc. | Digital exchange and mobile wallet for digital currency |
Non-Patent Citations (3)
Title |
---|
define: "ownership" from dictionary.com * |
Swapagift.com (archived at least as early as Mar. 6, 2009). Get Cash for Your card. * |
www.giftcardrescue.com (Feb. 12, 2009). How it works; Sell your gift card for cash or exchange. * |
Cited By (69)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8744918B2 (en) * | 2009-06-24 | 2014-06-03 | Primolow, Inc. | Demand amalgamation for online auctions |
US20100332295A1 (en) * | 2009-06-24 | 2010-12-30 | Marc Rochman | Demand amalgamation for online auctions |
US20110218914A1 (en) * | 2010-03-05 | 2011-09-08 | Marc Rochman | Closed loop stored value instrument brokerage system, method and computer program product |
US11488237B2 (en) | 2010-08-06 | 2022-11-01 | Dkr Consulting Llc | System and method for facilitating social shopping |
US11900446B2 (en) | 2010-08-06 | 2024-02-13 | Dkr Consulting Llc | System and method for facilitating social shopping |
US11157995B2 (en) | 2010-08-06 | 2021-10-26 | Dkr Consulting Llc | System and method for generating and distributing embeddable electronic commerce stores |
US11455678B2 (en) | 2010-08-06 | 2022-09-27 | Dkr Consulting Llc | System and method for distributable e-commerce product listings |
US11651421B2 (en) | 2010-08-06 | 2023-05-16 | Dkr Consulting Llc | System and method for facilitating social shopping |
US20120066122A1 (en) * | 2010-09-15 | 2012-03-15 | Goldberg Robert H | Digital Currency Gift Cards and Their Methods of Production |
US9064268B2 (en) | 2010-11-01 | 2015-06-23 | Outerwall Inc. | Gift card exchange kiosks and associated methods of use |
US20120123834A1 (en) * | 2010-11-14 | 2012-05-17 | Chris Nicolaidis | Stored value exchange method and apparatus |
US20120123833A1 (en) * | 2010-11-14 | 2012-05-17 | Chris Nicolaidis | Stored value exchange method and apparatus |
US20120233073A1 (en) * | 2011-01-11 | 2012-09-13 | Diane Salmon | Universal Value Exchange Apparatuses, Methods and Systems |
US10769657B2 (en) | 2011-02-14 | 2020-09-08 | Cardspring, Llc | Measuring conversion of an online advertising campaign including referral offers from an offline merchant |
US10817896B2 (en) | 2011-02-14 | 2020-10-27 | Cardspring, Llc | Measuring conversion of an online advertising campaign including group offers from an offline merchant |
US20120209771A1 (en) * | 2011-02-14 | 2012-08-16 | Jeffrey Winner | Monitoring for offline transactions |
US10586227B2 (en) | 2011-02-16 | 2020-03-10 | Visa International Service Association | Snap mobile payment apparatuses, methods and systems |
US11288661B2 (en) | 2011-02-16 | 2022-03-29 | Visa International Service Association | Snap mobile payment apparatuses, methods and systems |
US8577768B2 (en) | 2011-02-17 | 2013-11-05 | Steven Nargizian | Systems and methods relating to credit |
US8688512B2 (en) | 2011-02-17 | 2014-04-01 | Boku, Inc. | Offer insertion system |
US10223691B2 (en) | 2011-02-22 | 2019-03-05 | Visa International Service Association | Universal electronic payment apparatuses, methods and systems |
US11023886B2 (en) | 2011-02-22 | 2021-06-01 | Visa International Service Association | Universal electronic payment apparatuses, methods and systems |
US20120330830A1 (en) * | 2011-06-23 | 2012-12-27 | Mason James P | System and method for creating and managing a stored value account associated with a client unique identifier |
US11900359B2 (en) | 2011-07-05 | 2024-02-13 | Visa International Service Association | Electronic wallet checkout platform apparatuses, methods and systems |
US10121129B2 (en) | 2011-07-05 | 2018-11-06 | Visa International Service Association | Electronic wallet checkout platform apparatuses, methods and systems |
US10803449B2 (en) | 2011-07-05 | 2020-10-13 | Visa International Service Association | Electronic wallet checkout platform apparatuses, methods and systems |
US11010753B2 (en) | 2011-07-05 | 2021-05-18 | Visa International Service Association | Electronic wallet checkout platform apparatuses, methods and systems |
US10419529B2 (en) | 2011-07-05 | 2019-09-17 | Visa International Service Association | Hybrid applications utilizing distributed models and views apparatuses, methods and systems |
US10154084B2 (en) | 2011-07-05 | 2018-12-11 | Visa International Service Association | Hybrid applications utilizing distributed models and views apparatuses, methods and systems |
US10242358B2 (en) | 2011-08-18 | 2019-03-26 | Visa International Service Association | Remote decoupled application persistent state apparatuses, methods and systems |
US11397931B2 (en) | 2011-08-18 | 2022-07-26 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
US11037138B2 (en) | 2011-08-18 | 2021-06-15 | Visa International Service Association | Third-party value added wallet features and interfaces apparatuses, methods, and systems |
US11010756B2 (en) | 2011-08-18 | 2021-05-18 | Visa International Service Association | Remote decoupled application persistent state apparatuses, methods and systems |
US9959531B2 (en) | 2011-08-18 | 2018-05-01 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
US10825001B2 (en) | 2011-08-18 | 2020-11-03 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
US11803825B2 (en) | 2011-08-18 | 2023-10-31 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
US10354240B2 (en) | 2011-08-18 | 2019-07-16 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
US11763294B2 (en) | 2011-08-18 | 2023-09-19 | Visa International Service Association | Remote decoupled application persistent state apparatuses, methods and systems |
US20130054441A1 (en) * | 2011-08-23 | 2013-02-28 | Bhavik Kamdar | Methods and systems for trading in monetary equivalent instruments |
US8768834B2 (en) * | 2011-09-20 | 2014-07-01 | E2Interactive, Inc. | Digital exchange and mobile wallet for digital currency |
US20130073459A1 (en) * | 2011-09-20 | 2013-03-21 | Plastic Jungle, Inc. | Digital exchange and mobile wallet for digital currency |
US10223730B2 (en) | 2011-09-23 | 2019-03-05 | Visa International Service Association | E-wallet store injection search apparatuses, methods and systems |
US11354723B2 (en) | 2011-09-23 | 2022-06-07 | Visa International Service Association | Smart shopping cart with E-wallet store injection search |
US20140351142A1 (en) * | 2011-09-26 | 2014-11-27 | First Data Corporation | Systems and methods for processing payment transactions |
US8874467B2 (en) | 2011-11-23 | 2014-10-28 | Outerwall Inc | Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same |
US9799014B2 (en) | 2011-11-23 | 2017-10-24 | Coinstar Asset Holdings, Llc | Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same |
US8799162B2 (en) | 2011-11-30 | 2014-08-05 | Boku, Inc. | Pass-through payment system |
US9111301B2 (en) | 2011-12-13 | 2015-08-18 | Boku, Inc. | Activating an account based on an SMS message |
WO2013096047A1 (fr) * | 2011-12-22 | 2013-06-27 | Boku, Inc. | Distribution et insertion dépendantes du compte d'offres commerciales remboursables |
US20130166361A1 (en) * | 2011-12-22 | 2013-06-27 | Boku, Inc. | Account-dependent distribution and insertion of redeemable merchant offers |
US10430381B2 (en) | 2012-02-02 | 2019-10-01 | Visa International Service Association | Multi-source, multi-dimensional, cross-entity, multimedia centralized personal information database platform apparatuses, methods and systems |
US10262001B2 (en) | 2012-02-02 | 2019-04-16 | Visa International Service Association | Multi-source, multi-dimensional, cross-entity, multimedia merchant analytics database platform apparatuses, methods and systems |
US11036681B2 (en) | 2012-02-02 | 2021-06-15 | Visa International Service Association | Multi-source, multi-dimensional, cross-entity, multimedia analytical model sharing database platform apparatuses, methods and systems |
US10983960B2 (en) | 2012-02-02 | 2021-04-20 | Visa International Service Association | Multi-source, multi-dimensional, cross-entity, multimedia centralized personal information database platform apparatuses, methods and systems |
US11074218B2 (en) | 2012-02-02 | 2021-07-27 | Visa International Service Association | Multi-source, multi-dimensional, cross-entity, multimedia merchant analytics database platform apparatuses, methods and systems |
US9129294B2 (en) | 2012-02-06 | 2015-09-08 | Outerwall Inc. | Coin counting machines having coupon capabilities, loyalty program capabilities, advertising capabilities, and the like |
US9129320B2 (en) | 2012-02-08 | 2015-09-08 | Boku, Inc. | Default phone bill charging |
US9898738B2 (en) | 2012-02-14 | 2018-02-20 | Boku, Inc. | Transaction authentication with a variable-type user-stored account identifier |
US20130304620A1 (en) * | 2012-05-09 | 2013-11-14 | Plastic Jungle, Inc. | Using a value-ascertainable item to obtain credit at a third-party merchant |
US20220164785A1 (en) * | 2012-08-30 | 2022-05-26 | Worldpay, Llc | Combination payment card and methods thereof |
US20160210611A1 (en) * | 2015-01-21 | 2016-07-21 | Galileo Processing, Inc. | Open network virtual prepaid instrument creation |
US20160210609A1 (en) * | 2015-01-21 | 2016-07-21 | Galileo Processing, Inc. | Virtual prepaid instrument transactions |
US20160210610A1 (en) * | 2015-01-21 | 2016-07-21 | Galileo Processing, Inc. | Open network virtual prepaid instrument |
US11012494B2 (en) | 2015-01-28 | 2021-05-18 | Twitter, Inc. | Method and system for online conversion attribution |
US10594767B1 (en) | 2015-01-28 | 2020-03-17 | Twitter, Inc. | Method and system for online conversion attribution |
US11222350B2 (en) | 2018-08-06 | 2022-01-11 | Advanced New Technologies Co., Ltd. | Service processing method and apparatus, and electronic device |
US20220277293A1 (en) * | 2021-02-26 | 2022-09-01 | Capital One Services, Llc | Modifying a user interface to make a card associated with an entity available at a relevant time |
US20240152693A1 (en) * | 2022-11-07 | 2024-05-09 | Microsoft Technology Licensing, Llc | Utilizing dynamic interface elements to improve user interfaces |
US12026457B2 (en) * | 2022-12-14 | 2024-07-02 | Microsoft Technology Licensing, Llc | Utilizing dynamic interface elements to improve user interfaces |
Also Published As
Publication number | Publication date |
---|---|
AU2010326684B2 (en) | 2014-05-22 |
US8751294B2 (en) | 2014-06-10 |
EP2507756A4 (fr) | 2014-11-05 |
CA3027572A1 (fr) | 2011-06-09 |
US20120221405A1 (en) | 2012-08-30 |
CA2782657C (fr) | 2019-02-12 |
WO2011068602A2 (fr) | 2011-06-09 |
US20120221425A1 (en) | 2012-08-30 |
CA2782657A1 (fr) | 2011-06-09 |
EP2507756A2 (fr) | 2012-10-10 |
WO2011068602A3 (fr) | 2011-08-11 |
AU2010326684A1 (en) | 2012-06-21 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US8751294B2 (en) | Processing value-ascertainable items | |
US20120059736A1 (en) | Processing value-ascertainable items | |
US11900360B2 (en) | System and method for using intelligent codes to add a stored-value card to an electronic wallet | |
US20220327590A1 (en) | Secure execution of an exchange item acquisition request | |
US8768834B2 (en) | Digital exchange and mobile wallet for digital currency | |
AU2022221528A1 (en) | System and method of registering stored-value cards into electronic wallets | |
US20190318326A1 (en) | Cryptocurrency kiosk/atm device and system and method of using the same | |
US8296235B2 (en) | System and method for cashback funding | |
US20100057580A1 (en) | Unified payment card | |
US20130268413A1 (en) | Methods and Systems for Exchanging Stored Value Using a Mobile Communication Device | |
KR20190041539A (ko) | 전자 지갑을 통한 결제 시스템 | |
US20130304620A1 (en) | Using a value-ascertainable item to obtain credit at a third-party merchant | |
US20160232609A1 (en) | Mobile system for exchanging gift cards | |
US8423463B1 (en) | Personal financial manager with gift cards aggregation | |
Turban et al. | Electronic commerce payment systems | |
US20110010237A1 (en) | System and method for distributed payment products | |
US20180165704A1 (en) | System, methods, and devices for real-time rewards accumulation and redemption | |
US20130185129A1 (en) | Methods and Systems of Payment for Automatic Generation of Discount Transactions | |
US9452353B2 (en) | Game card including payment identifier | |
US20200226602A1 (en) | Methods and systems for availing offers in card based payment transaction | |
Ralston et al. | A Study On Social Media In The Brokerage: Social Media As A Marketing Channel And Its Effects For Individual Real Estate Agents | |
Buxton | Moving Infographics: A Way To Stand Out In The Flow | |
Sterng oklahmSpanish | The Impact Of ICT Applications On University Education | |
Xu et al. | Digital Payment Systems | |
AU2016203861A1 (en) | Payment devices, systems and methods |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
AS | Assignment |
Owner name: PLASTIC JUNGLE, INC., CALIFORNIA Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:BHATTACHARYA, ASHMIT;BOWER, BRUCE;BRIGGS, GARY;AND OTHERS;SIGNING DATES FROM 20101006 TO 20101012;REEL/FRAME:025134/0380 |
|
AS | Assignment |
Owner name: INTERACTIVE COMMUNICATIONS INTERNATIONAL, INC., GE Free format text: SECURITY AGREEMENT;ASSIGNOR:PLASTIC JUNGLE, INC.;REEL/FRAME:029722/0030 Effective date: 20120928 |
|
AS | Assignment |
Owner name: INTERACTIVE COMMUNICATIONS INTERNATIONAL, INC., GE Free format text: SECURITY AGREEMENT;ASSIGNOR:CARDFLO, INC.;REEL/FRAME:030498/0854 Effective date: 20120928 Owner name: INTERACTIVE COMMUNICATIONS INTERNATIONAL, INC., GE Free format text: SECURITY AGREEMENT;ASSIGNOR:CARDFLOW, INC.;REEL/FRAME:030498/0834 Effective date: 20120928 |
|
AS | Assignment |
Owner name: CARDFLO, INC., CALIFORNIA Free format text: CHANGE OF NAME;ASSIGNOR:PLASTIC JUNGLE, INC.;REEL/FRAME:030675/0977 Effective date: 20130524 |
|
AS | Assignment |
Owner name: INCOMM PLASTIC JUNGLE ACQUISITION, LLC, GEORGIA Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:CARDFLO, INC.;REEL/FRAME:031938/0521 Effective date: 20131118 |
|
AS | Assignment |
Owner name: E2INTERACTIVE, INC. D/B/A E2INTERACTIVE, INC., GEO Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:INCOMM PLASTIC JUNGLE ACQUISITION, LLC;REEL/FRAME:031953/0472 Effective date: 20140110 |
|
AS | Assignment |
Owner name: JPMORGAN CHASE BANK, N.A., NEW YORK Free format text: PATENT SECURITY AGREEMENT;ASSIGNOR:E2INTERACTIVE, INC.;REEL/FRAME:034783/0446 Effective date: 20150109 |
|
STCB | Information on status: application discontinuation |
Free format text: ABANDONED -- FAILURE TO RESPOND TO AN OFFICE ACTION |
|
AS | Assignment |
Owner name: E2INTERACTIVE, INC., GEORGIA Free format text: RELEASE OF PATENT SECURITY INTEREST;ASSIGNOR:JPMORGAN CHASE BANK, N.A., AS ADMINISTRATIVE AGENT;REEL/FRAME:048489/0742 Effective date: 20190228 |