WO2004077226A3 - Methods and systems for coordinating a change in status of stored-value cards - Google Patents

Methods and systems for coordinating a change in status of stored-value cards Download PDF

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Publication number
WO2004077226A3
WO2004077226A3 PCT/US2004/002866 US2004002866W WO2004077226A3 WO 2004077226 A3 WO2004077226 A3 WO 2004077226A3 US 2004002866 W US2004002866 W US 2004002866W WO 2004077226 A3 WO2004077226 A3 WO 2004077226A3
Authority
WO
WIPO (PCT)
Prior art keywords
stored
value
card
status
change
Prior art date
Application number
PCT/US2004/002866
Other languages
French (fr)
Other versions
WO2004077226A2 (en
Inventor
David Baumgartner
Steven E Arthur
Original Assignee
First Data Corp
David Baumgartner
Steven E Arthur
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 First Data Corp, David Baumgartner, Steven E Arthur filed Critical First Data Corp
Publication of WO2004077226A2 publication Critical patent/WO2004077226A2/en
Publication of WO2004077226A3 publication Critical patent/WO2004077226A3/en

Links

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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • 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
    • G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • 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
    • G07F7/0866—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 by active credit-cards adapted therefor

Abstract

Methods and systems are provided for coordinating a change in status of a stored-value card for a customer. Transaction information is received at a host system from a point-of-sale terminal. The transaction information includes stored-value-card information identifying the stored-value card and payment-instrument information identifying a payment instrument to be used for financing the change in status of the stored-value card. The host system receives a payment authorization from a payment authority in response to a transmission of the payment-instrument information to the payment authority. The host system also receives a confirmation of the change in status of the stored-value card from a stored-value-card authority in response to a transmission of the stored-value-card information to the stored-value-card authority. The host system transmits an approval for effecting the change in status of the stored-value card to the point-of-sale terminal.
PCT/US2004/002866 2003-02-21 2004-02-02 Methods and systems for coordinating a change in status of stored-value cards WO2004077226A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10/371,167 2003-02-21
US10/371,167 US7409358B2 (en) 2003-02-21 2003-02-21 Methods and systems for coordinating a change in status of stored-value cards

Publications (2)

Publication Number Publication Date
WO2004077226A2 WO2004077226A2 (en) 2004-09-10
WO2004077226A3 true WO2004077226A3 (en) 2006-04-06

Family

ID=32868292

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2004/002866 WO2004077226A2 (en) 2003-02-21 2004-02-02 Methods and systems for coordinating a change in status of stored-value cards

Country Status (2)

Country Link
US (2) US7409358B2 (en)
WO (1) WO2004077226A2 (en)

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Also Published As

Publication number Publication date
WO2004077226A2 (en) 2004-09-10
US20040167821A1 (en) 2004-08-26
US20080262935A1 (en) 2008-10-23
US7409358B2 (en) 2008-08-05
US7668751B2 (en) 2010-02-23

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