WO1999062038A1 - Distributeur de cartes telephoniques prechargees - Google Patents

Distributeur de cartes telephoniques prechargees Download PDF

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Publication number
WO1999062038A1
WO1999062038A1 PCT/US1999/010665 US9910665W WO9962038A1 WO 1999062038 A1 WO1999062038 A1 WO 1999062038A1 US 9910665 W US9910665 W US 9910665W WO 9962038 A1 WO9962038 A1 WO 9962038A1
Authority
WO
WIPO (PCT)
Prior art keywords
user
access
vending machine
response
card
Prior art date
Application number
PCT/US1999/010665
Other languages
English (en)
Inventor
Robert B. Cooley
Christopher W. Jones
Original Assignee
Autocard Systems, Inc.
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by Autocard Systems, Inc. filed Critical Autocard Systems, Inc.
Priority to AU39913/99A priority Critical patent/AU3991399A/en
Publication of WO1999062038A1 publication Critical patent/WO1999062038A1/fr

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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
    • G06Q20/30—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
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/42—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for ticket printing or like apparatus, e.g. apparatus for dispensing of printed paper tickets or payment cards
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems

Definitions

  • the present invention relates to pre-paid telephone calling cards and, more specifically, to systems and methods for activating such cards that are dispensed from a vending machine.
  • a pre-paid telephone calling card allows a person to make a telephone call without making a payment at the time the call is made. Rather, the cost of the telephone call is debited from a corresponding account during each call.
  • the person purchases the card from a service provider, which is typically not a telephone company but rather a reseller of telephone services purchased from a telephone company. More often, a person purchases cards from a vendor, such as a convenience store, that re-sells a service provider's cards.
  • the person's payment represents the initial account balance from which the cost of calls are to be debited.
  • Cards may be purchased in fixed denominations, such as five dollars or ten dollars (or other local monetary units).
  • a five dollar card allows a user to make five dollars worth of telephone calls at a rate established by the service provider. By purchasing the card the person is, in effect, pre-paying for telephone calling services.
  • the person To make a telephone call to another party, the person first makes a telephone call to the service provider, typically through a toll-free connection.
  • the toll-free telephone number is typically printed on the card.
  • the person then provides information to the service provider that identifies the account.
  • the person simply uses the buttons of the telephone keypad to enter a number that is printed on the card.
  • Such a number is typically known as a personal identification number (PIN).
  • PIN personal identification number
  • other types of pre-paid telephone calling cards have a magnetic stripe or similar medium that stores the PIN or other identifying information on the card in an electronically readable manner. Telephones having a means for reading a magnetic stripe can thus read the number or other identifying information automatically.
  • the service provider's computer receives and compares the identifying information to a database to verify the authenticity of the account. If the account is authentic, the computer instructs the caller, typically by means of voice prompts, to dial the telephone number of the party to whom the caller wishes to speak. The computer then completes the call by making the connection through the appropriate telephone companies and debits the caller's account by an amount proportional to the duration of the call. When the account balance falls to an amount not sufficient to pay for a call, the computer prevents any further telephone service. The person may then purchase a new card.
  • Some service providers provide a feature that allows a person to recharge a card, i.e., increase the balance of the corresponding account, by making further payment.
  • a telephone calling card vending machine may include a means for accepting payment from a purchaser, such as a currency acceptor or a credit card acceptor, a supply of cards of various denominations pre-printed with PIN numbers, a selection mechanism, and a dispensing mechanism.
  • a user may, for example, insert a bill into the currency acceptor and press a button of the selection mechanism to select the denomination of the card the user wishes to purchase.
  • the dispensing mechanism ejects a card having the selected denomination.
  • the cards stored in the vending machines are "live.” That is, the service provider's computer and its database reflect accounts having initial balances corresponding to the denominations of the cards stored in the vending machine.
  • Such a vending machine is more attractive to thieves than vending machines for conventional goods such as foods and beverages because the cards are generally much more valuable.
  • a supply of live cards in a vending machine in, for example, five and ten dollar denominations, may have a total value of hundreds of dollars.
  • vending systems have been developed that include on-line activation.
  • the vending machine makes a telephone connection to the service provider's computer, which only then activates the account corresponding to the card to be dispensed.
  • the cards stored in the machine have no intrinsic value until they are sold.
  • Variations on such on-line activation systems include providing a vending machine with a printer that prints on the card to be dispensed a PIN received from the service provider's computer.
  • a disadvantage of on-line activation vending systems is that the vending machine must be connected to the telephone network.
  • the present invention relates to a vending machine and method for selling telephone calling cards and similar pre-paid debit tokens that are to be used by the purchaser to access a telephone network or other suitable electronic system.
  • the present invention also relates to the method by which a provider of the electronic system services provides a vendor with the ability to resell the services using the vending machine.
  • the purchaser may use the tokens to make prepaid telephone calls or use other services in the conventional manner. That is, the purchaser contacts the service provider and provides identifying information that identifies an account.
  • the telephone or other electronic system service provider provides access to the purchaser if the account balance is sufficient and debits the balance in response to use of the system services by the user.
  • the vending machine includes a payment acceptor for receiving payment from a user, a token repository for storing a supply of access tokens that do not bear the identifying information, a memory for storing a list of activation identifiers, an activator and a token dispenser.
  • the activator reads an activation identifier from the memory that it has not previously read, and records information responsive to the activation identifier on an access token from the token repository.
  • the token dispenser then provides the access token to the purchaser.
  • the access token may be a card, and the activator may print an activation identifier such as a PIN on the card before it is dispensed.
  • an activation identifier may be any suitable information, and activation of the token may occur in any suitable manner, including electronically altering information that is recorded or stored on the card.
  • the information may be the activation identifier itself or it may be any other indication that the card has been activated.
  • the access token may be dispensed separately from the card.
  • the access token may be an adhesive label or sticker that the purchaser can mount on the card. In any event, each time another access token is sold, another activation identifier is used.
  • the contents of the memory in the vending machine i.e., the activation identifiers, control or limit the activation of the tokens.
  • the provider of the electronic system services sells the vendor not only a supply of cards but also the memory itself, in which the PINs or other activation identifiers are pre-stored.
  • the memory is preferably a removable non-volatile medium such as a flash memory or a so-called smart card that can be installed in the vending machine and then removed when all of the activation identifiers have been used.
  • the vending machine is resistant to theft because the cards stored in it have no value prior to activation, and the means for activating them includes a memory that is relatively tamper proof because its contents can only be read electronically. Indeed, the contents may even be encrypted or otherwise made difficult to translate into useful PINs or other activation identifiers without prior knowledge of the encryption or translation system.
  • the vending machine is relatively economical because it includes none of the telephony equipment of vending machines having on-line activation.
  • Figure 1 is a perspective view of a telephone calling card vending machine, with the access door open to show the memory card and a supply of blank telephone calling cards in a dispensing and printing mechanism;
  • Figure 2 illustrates one face of a telephone calling card dispensed by the vending machine
  • Figure 3 illustrates the other face of a telephone calling card dispensed by the vending machine, showing the PIN printed on it;
  • Figure 4 is a block diagram of the vending machine
  • Figure 5 is a flowchart illustrating the method of setting up the vending machine prior to use
  • Figure 6 is a flowchart illustrating the method of vending a card
  • Figure 7 is a block diagram of an alternative embodiment in which an existing vending machine is retrofitted in accordance with the invention
  • Figure 8 illustrates an alternative telephone calling card having a sticker bearing the PIN.
  • a telephone calling card vending machine 10 dispenses telephone calling cards 12 in response to payment from a user. Such cards are sometimes referred to as pre-paid telephone calling cards.
  • a user may use one of cards 12 to access the telephone network via a service provider to make a telephone call.
  • the illustrated embodiment of the invention relates to telephone calling cards, other embodiments of the invention may relate to other types of tokens that represent other types of pre-paid services.
  • the service provider described with respect to the illustrated embodiment is a provider of telephone services, in other embodiments the service provider may be a provider of any other suitable electronically accessible service.
  • a bill acceptor 14 for receiving payment from the user, selector buttons 16 and 18 for selecting the denomination of card 12 that the user desires to purchase, and a slot 20 through which cards 12 are dispensed.
  • Card 12 is illustrated in further detail in Figs. 2 and 3.
  • the front surface of card 12 displays suitable graphic or textual indicia to convey to a user that the card is a telephone calling card and to convey its denomination.
  • the illustrated card 12 includes the text "$20 TELEPHONE CARD" to convey that the card has a value or denomination of twenty dollars.
  • the reverse surface of card 12 displays a telephone number 22 for the user to call to contact the service provider.
  • the number is typically a toll-free number, which in the United States typically includes the prefix "800" or "888”.
  • the reverse surface of card 12 also displays a personal identification number (PIN) 24. It further includes a magnetic stripe 26.
  • PIN personal identification number
  • vending machine 10 further includes, in addition to bill acceptor 14 and selector buttons 16 and 18, an activation controller 28, a card dispenser and printer unit 30, and a memory card 32.
  • Card dispenser and printer unit 30 includes a card dispenser 34 that stores a supply of blank cards and dispenses each card upon which the printer 36 prints PIN 24.
  • memory card 32 which is preferably a flash memory card or similar non-volatile semiconductor data storage medium, stores a list of PINs 24 to be printed upon the blank cards. Other types of memory may also be suitable. For reasons described below, an important aspect of memory card 32 is that it can readily be installed in and removed from vending machine 10.
  • a method for providing the vending system is illustrated in Fig. 5.
  • the service provider or a third party via the service provider initially sells vending machine 10 to a vendor or otherwise enters into an arrangement for the vendor to control the use of vending machine 10.
  • the service provider also defines a number of PINs 24 and corresponding accounts.
  • the service provider has a computer (not shown) that maintains a database of (typically, thousands of) PINs 24 and corresponding account balances.
  • the service provider may also sell the vendor the blank cards.
  • the cards may be made of plastic, cardboard or similar materials.
  • the service provider also sells the vendor PINs 24.
  • This transaction may be effected by providing the vendor with memory card 32, and may occur in conjunction with selling the vendor blank cards.
  • memory card 32 is installed in vending machine 10.
  • the service provider may define PINs 24 in various denominations. For example, some of PINs 24 may have corresponding account balances of ten dollars, and others may have corresponding account balances of twenty dollars. Thus, the vendor can choose how many PINs 24 to purchase of each denomination.
  • each PIN 24 in the service provider's database is, of course, different from every other PIN 24. Accordingly, each PIN 24 stored in memory card 32 is different from every other PIN 24 stored in memory card 32 and different from PINs 24 stored in other memory cards 32 that the service provider may sell to other vendors.
  • the loading of blank calling cards and installation of memory card 32 may be performed by the service provider's representative.
  • the service provider may arrange with the vendor to have a representative visit vending machine 10 from time to time to replenish the supply of blank cards and replace memory card 32.
  • the representative can access these elements inside vending machine 10 through an access door 46.
  • the repository 48 for storing the supply of blank cards may be located in card dispenser and printer unit 30.
  • the representative can plug memory card 32 into a connector or receptacle 50 on an electronic circuit board 52. Suitable flash memory cards and receptacles for receiving them in a removable manner are well-known and commercially available.
  • the circuitry of activation controller 28 and related circuitry is included in circuit board 52.
  • memory card 32 is a flash memory card that is plugged into or otherwise received in a receptacle 50 inside vending machine 10, other arrangements may be suitable.
  • the memory may be included in a card that transmits data to (and may even receive data from) activation controller 28 in a wireless manner, such as via radio-frequency communication or inductive communication.
  • the card may be a so-called smart card that includes a processor of its own.
  • the memory may be a medium other than a card.
  • the memory may be a magnetic or optical disk, such as a floppy disk or CD-ROM.
  • FIG. 6 illustrates a method for vending a telephone calling card 12 and the method by which a purchaser of card 12 can use it to place a telephone call.
  • vending machine 10 receives a payment from the user.
  • the user can insert currency into bill acceptor 14, although in other embodiments a credit card reader may be provided for accepting payment via a user's credit card.
  • cards are provided in two denominations: ten dollars ($10) and twenty dollars. ($20), as indicated by the indicia on buttons 16 and 18, respectively.
  • the user can thus insert a $10 bill or $20 bill and, as indicated by step 56, press the corresponding button 16 or 18 to request a calling card in that denomination.
  • activation controller 28 determines whether the denomination of the bill is sufficient to pay the cost of the desired card. If the payment is not sufficient, activation controller 28 can cause bill acceptor 14 to eject the bill. If the payment is sufficient, at step 58 activation controller 28 reads PIN 24 from memory card 32 (Fig. 4). A PIN is used only once. Thus, each time activation controller 28 reads a PIN from the list of PINs stored in memory card 32, it reads the next PIN 24 on the list, i.e., a PIN 24 that it has not read previously. At step 60 activation controller 28 causes printer 36 to print PIN 24 on a blank card.
  • the cards are only necessarily "blank" in the sense that they bear no PIN 24 or other activation identifier that would allow a user to use them to make telephone calls. They may, of course, include any other graphical or textual indicia.
  • the blank cards may include, for example, the textual indicia shown in Fig. 2 on their front faces and include on their reverse faces, as shown in Fig. 3, telephone number 22 and magnetic stripe 26.
  • PIN 24, however, is not printed until activation controller 28 causes it to be printed in response to receipt of sufficient payment and selection of a denomination.
  • activation controller causes the card 12 upon which PIN 24 has been printed to be dispensed or ejected via slot 20.
  • Activation controller 28 does not, of course, cause PIN 24 to be printed upon a blank card if the supply of blank cards is empty or if all PINs 24 have previously been read from memory 32. In such cases, activation controller 28 may cause the bill to be ejected to refund the user's money.
  • a suitable electronic display may be included through which activation controller 28 can instruct the user how to operate vending machine 10 or alert the user of various conditions, such as an empty card/PIN supply or an inability to provide change.
  • the remaining steps illustrated in Fig. 6 relate to the use of card 12 to make a telephone call. That a user performs these steps using a telephone (not shown) rather than vending machine 10, and may perform them at a time and place remote from vending machine 10, is indicated by the dashed line separating steps 62 and 64.
  • the method of making a telephone call that is defined by these steps is the conventional method known in the art.
  • the user uses a telephone to call the service provider.
  • the user can dial the toll- free number 22 (Fig. 3) indicated on card 12. From that point, the service provider's computer telephony equipment (not shown) conducts the transaction with the user.
  • a computer causes the call to be answered and provides voice prompts to the user directing him to enter a PIN using the telephone keypad.
  • the user reads PIN 24 on card 12 and enters it using the telephone keypad.
  • this example includes the step of entering PIN 24 using a telephone keypad, it should be recognized that a PIN stored on magnetic stripe 26 can be equivalently provided by swiping card 12 through a magnetic stripe reader on the telephone if the telephone includes such a reader.
  • the computer retrieves from its database the balance of the account corresponding to PIN 24 that the user entered and determines at step 68 whether it exceeds a predetermined threshold amount, such as zero dollars. More commonly, rather than zero, the threshold is the smallest amount that is sufficient to pay for the smallest increment of telephone calling time for which the service provider normally charges, typically a few cents. If the account balance is sufficient to pay for this increment of calling time, the computer prompts the user to dial the number of the party to whom he desires to speak. As indicated by step 70, the computer completes the connection via the public telephone network or one or more long-distance telephone companies, thereby causing the other party's telephone line to be rung. If the party answers and the call is thus completed, the computer periodically debits the user's account during the call. If the account balance falls below the threshold amount, the computer terminates the call at step 72.
  • a predetermined threshold amount such as zero dollars. More commonly, rather than zero, the threshold is the smallest amount that is sufficient to pay for the smallest increment of telephone calling
  • a PIN 24' may be printed on a sticker 74.
  • the vending machine dispenses both sticker 74 and a blank card 12' to which the user can adhere sticker 74.
  • Sticker 74 may be made of thin, flexible paper or plastic and has a peelable backing protecting pressure-sensitive adhesive coating on its reverse side, i.e., the side opposite that on which PIN 24' is printed.
  • the vending machine includes a sticker dispensing and printing unit 30' in addition to a blank card dispenser 76.
  • Sticker dispensing and printing unit 30' is analogous to card dispenser and printer unit 30 described above in that it prints and dispenses what is in effect the access token that subsequently gives the user access to the telephone system.
  • Sticker dispensing and printing unit 30' comprises a sticker dispenser 34' and sticker printer 36 analogous to dispenser 30 and printer 36, respectively, described above.
  • This embodiment of the invention is particularly well-suited to retrofitting an existing calling card vending machine 80 of the type known in the art that dispenses "live" cards.
  • Vending machine 80 includes a bill acceptor 14' and buttons 16' and 18' that are analogous to bill acceptor 14 and buttons 16 and 18, respectively, described above.
  • Vending machine 80 also includes a card vending controller 78 that functions in the conventional manner.
  • controller 78 causes blank card dispenser 76 to dispense blank card 12'.
  • blank card refers to the absence of a PIN printed on the card. But for the absence of a PIN, blank card 12' is identical to card 12 described above. Accordingly, it bears a pre-printed telephone number 22' and a magnetic stripe 26'.
  • Vending machine 80 is retrofitted by mounting, either within the interior of its cabinet or on the exterior of its cabinet, a retrofit unit 82.
  • Sticker dispensing and printing unit 30' are within the enclosure or cabinet of retrofit unit 82.
  • Retrofit unit 82 includes an activation controller 28' and a memory card 32' that are analogous to activation controller 28 and memory card 32, respectively, described above.
  • Activation controller 28' detects a user's purchase by, for example, detecting when blank card dispenser 76 is dispensing blank card 12'. In response to such detection, activation controller 28' reads memory card 32' in the manner described above with respect to the embodiment illustrated in Figs.
  • sticker dispensing and printing unit 30' causes sticker dispensing and printing unit 30' to print PIN 24' on sticker 74 and dispense it through a slot (not shown) in retrofit unit 82 similar to slot 20 (Fig. 1).
  • the user can then peel the backing away from sticker 74 to expose the pressure-sensitive adhesive coating on the reverse side (not shown) of sticker 74 and adhere sticker 74 to card 12' or, for that matter, to any other desired substrate.
  • the user could even retain sticker 74 without removing the backing.
  • PIN 24' is printed on sticker 74, it is sticker 74 and not card 12' that is the access token in this embodiment.
  • card 12' itself is merely a convenient carrier for the access token and a convenient reminder of telephone number 22'.
  • This embodiment of the invention is advantageous because owners or distributors of existing calling card vending machine may prefer to retrofit them in accordance with the present invention rather than replace them with entirely new machines of the type described above with respect to Figs. 1 and 4.
  • Existing calling card vending machines can quickly and easily be retrofitted with retrofit unit 82 because the only required interface between vending machine 80 and retrofit unit 82 is a signal that indicates to unit 82 when a user has initiated a purchase. This signal can be as straightforward as, for example, one that indicates the presence of current in the motor of blank card dispenser 76. Nevertheless, the interface can alternatively include signals communicated directly between card vending controller 78 and activation controller 28'.

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  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Business, Economics & Management (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Signal Processing (AREA)
  • Computer Security & Cryptography (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

L'invention concerne un distributeur de cartes téléphoniques ou de jetons analogues à débit préchargé, qui lit un numéro d'identification personnel (PIN), à partir d'une liste de numéros d'identification stockés dans une mémoire remplaçable et qui imprime ledit numéro sur ladite carte. Lorsque tous les PIN stockés dans la mémoire ont été utilisés de cette manière, on peut réalimenter le distributeur en cartes vierges et on peut retirer la mémoire et la remplacer par une mémoire possédant une nouvelle liste de PIN. L'utilisateur peut utiliser les cartes téléphoniques de manière à établir des communications téléphoniques préchargées, de façon classique.
PCT/US1999/010665 1998-05-27 1999-05-14 Distributeur de cartes telephoniques prechargees WO1999062038A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU39913/99A AU3991399A (en) 1998-05-27 1999-05-14 Pre-paid telephone calling card vending machine

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US8521698A 1998-03-18 1998-03-18
US09/085,216 1998-05-27
US30402999A 1999-05-03 1999-05-03
US09/304,029 1999-05-03

Publications (1)

Publication Number Publication Date
WO1999062038A1 true WO1999062038A1 (fr) 1999-12-02

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Cited By (7)

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EP1156460A1 (fr) * 2000-05-05 2001-11-21 Berthold Binder Méthode et dispositif pour l'exécution de transactions ou services commerciaux prépayés
WO2001091070A3 (fr) * 2000-05-24 2002-05-23 Hypercom Corp Systeme de carte prepayee imprimee et procede
WO2002056211A2 (fr) * 2001-01-15 2002-07-18 Evs Gmbh Systeme de vente de produits prepayes
NL1025408C2 (nl) * 2004-02-05 2005-08-08 Gouden Vermeer B V Werkwijze voor het verwerven van een tegoed en inrichting voor distributie van tegoeden.
US7181416B2 (en) 2000-06-08 2007-02-20 Blackstone Corporation Multi-function transaction processing system
US7546947B1 (en) 2000-06-08 2009-06-16 Arias Luis A Multi-function transaction processing system
US8014505B2 (en) 2005-09-02 2011-09-06 Locus Telecommunications, Inc. Point-of-sale electronic PIN distribution system

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WO1995012169A1 (fr) * 1993-10-25 1995-05-04 Visa International Service Association Procede et appareil de distribution d'argent
WO1995034161A1 (fr) * 1994-06-06 1995-12-14 Call Processing, Inc. Procede et systeme de pre-paiement par cartes
WO1996038801A1 (fr) * 1995-06-01 1996-12-05 American Express Trs Procedes et dispositif visant a fournir un compte client a prepaiement et a entree a distance
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EP1156460A1 (fr) * 2000-05-05 2001-11-21 Berthold Binder Méthode et dispositif pour l'exécution de transactions ou services commerciaux prépayés
WO2001091070A3 (fr) * 2000-05-24 2002-05-23 Hypercom Corp Systeme de carte prepayee imprimee et procede
US7181416B2 (en) 2000-06-08 2007-02-20 Blackstone Corporation Multi-function transaction processing system
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WO2002056211A2 (fr) * 2001-01-15 2002-07-18 Evs Gmbh Systeme de vente de produits prepayes
WO2002056211A3 (fr) * 2001-01-15 2003-10-02 Evs Gmbh Systeme de vente de produits prepayes
NL1025408C2 (nl) * 2004-02-05 2005-08-08 Gouden Vermeer B V Werkwijze voor het verwerven van een tegoed en inrichting voor distributie van tegoeden.
US8014505B2 (en) 2005-09-02 2011-09-06 Locus Telecommunications, Inc. Point-of-sale electronic PIN distribution system

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