(12) United States Patent ao) Patent No.: Us 7,083,084 B2
Graves et al. (45) Date of Patent: *Aug. 1,2006
(54) SYSTEM AND METHOD FOR MANAGING STORED-VALUE CARD DATA
(75) Inventors: Phillip Craig Graves, Atlanta, GA
(US); Merrill Brooks Smith, Atlanta,
(73) Assignee: e2interactive, Inc., Atlanta, GA (US)
( * ) Notice: Subject to any disclaimer, the term of this patent is extended or adjusted under 35 U.S.C. 154(b) by 123 days.
This patent is subject to a terminal disclaimer.
(21) Appl. No.: 10/411,971
(22) Filed: Apr. 11, 2003
(65) Prior Publication Data
US 2003/0205616 Al Nov. 6, 2003
Related U.S. Application Data
(63) Continuation of application No. 09/641,363, filed on Aug.
18, 2000, now Pat. No. 6,575,361. (60) Provisional application No. 60/149,740, filed on Aug. 19,
A computerized system and method for managing storedvalue card data over a communications network between a plurality of terminals and a central processor is provided. Each of the terminals is accessible to respective users and is located in a respective location generally remote relative to the central processor. The stored-value card data is configured to securely process in real time stored-value cards transacted by respective users to enable charging prepaid stored-value services to a recipient of the transacted storedvalue card. The method allows for providing a database coupled to the central processor. The method further allows for storing in the database a plurality of records comprising stored-value card data for each stored-value card. An associating step allows for associating in each stored record respective identifiers to uniquely match a respective storedvalue card and a respective terminal. The associating step is enabled by assigning a "setup" card to the location and capturing the terminal information when a transaction utilizing that card is made. A transmitting step allows for transmitting a request of stored-value card activation to the central processor from a respective requesting terminal, the central processor configured to accept said activation request based on whether the associated identifiers for the storedvalue card to be activated match identifiers actually transmitted by the requesting terminal for that stored-value card and terminal.
33 Claims, 5 Drawing Sheets