IPC분류정보
국가/구분 |
United States(US) Patent
등록
|
국제특허분류(IPC7판) |
|
출원번호 |
UP-0118581
(2008-05-09)
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등록번호 |
US-7783517
(2010-09-13)
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발명자
/ 주소 |
- Feldman, Gennye Hannover
- Holt, Elizabeth Anne
- Rubner, Marc
- Rose, John R.
- Vollmer, Nicole Milne
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출원인 / 주소 |
- American Express Travel Related Services Company, Inc.
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대리인 / 주소 |
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인용정보 |
피인용 횟수 :
0 인용 특허 :
75 |
초록
▼
The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transact
The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes.
대표청구항
▼
What is claimed is: 1. A browser-based system at a point of sale, the browser-based system comprising: a browser-based tool having a computer network communicating with a memory; the memory communicating with a processor; and the processor, when executing a computer program for facilitating distrib
What is claimed is: 1. A browser-based system at a point of sale, the browser-based system comprising: a browser-based tool having a computer network communicating with a memory; the memory communicating with a processor; and the processor, when executing a computer program for facilitating distribution of an open transaction instrument, is configured to: facilitate distributing the open transaction instrument at the point of sale in association with purchase of the open transaction instrument at the point of sale, wherein a randomized account code and a tracking code are associated with the open transaction instrument, wherein the randomized account code is used to identify a transaction account, wherein a plurality of the tracking codes are used to track a plurality of the open transaction instruments, and wherein the transaction account is associated with the open transaction instrument; receive transaction information and to facilitate the distribution of the open transaction instrument by sending the transaction information from the browser-based tool to a host system using a communication protocol including at least one of http and https with the transaction information encoded in a marked up language including at least one of html and xml, wherein the host system authorizes distribution of the open transaction instrument, funds and activates the transaction account, and sends an authorization message to the browser-based tool; receive a determination that the open transaction instrument is in stock; facilitate moving the randomized account code from an electronic vault to an electronic till to allow entry of the transaction information related to the randomized account code; and receive the authorization and provide an indication of the authorization for the open transaction instrument to be vended. 2. The system of claim 1, wherein the open transaction instrument includes a plurality of open transaction instruments having different randomized account codes. 3. The system of claim 1, wherein the processor of the browser-based tool is further configured to receive transaction information for purchasing a plurality of open transaction instruments having different randomized account codes for purchase by a single consumer. 4. The system of claim 1, wherein the open transaction instrument comprises at least one of: a pre-paid card, a gift card, a charge card, a phone card, a credit card, a debit card, a mall card, a variable load card, a fixed load card, a smart card, an RFID device, a paper receipt, and a signal. 5. The system of claim 1, wherein the processor of the browser-based tool is further configured to cause a signal containing the randomized account code to be transmitted to a device associated with a consumer of the open transaction instrument. 6. The system of claim 1, wherein the randomized account code is displayed on the open transaction instrument by at least one of: embossing and printing the randomized account code on the open transaction instrument. 7. The system of claim 1, wherein the tracking code is included on at least one of: the open transaction instrument and a sleeve associated with the open transaction instrument, wherein the tracking code is included in a format including at least one of: a numerical format, a code format, bar code format, radio frequency format and magnetic stripe format. 8. The system of claim 1, wherein the open transaction instrument is configured to be generally accepted by at least one of: merchants that are not directly affiliated with each other, merchants within one shopping mall, merchants within one payment network, merchants within one country, and merchants within one geographic region. 9. The system of claim 1, wherein the open transaction instrument is configured with restrictions. 10. The system of claim 1, wherein the open transaction instrument is configured with restrictions comprising at least one of: geographic restrictions and device restrictions. 11. The system of claim 1, wherein the processor of the browser-based tool is configured to receive transaction information via a point of sale device for processing a payment for the open transaction instrument. 12. The system of claim 1, wherein the processor of the browser-based tool is configured to receive transaction information comprising at least one of: payment data, seller data, the randomized account code and a load amount to be loaded to the open transaction instrument. 13. The system of claim 1, wherein the processor of the browser-based tool is configured to receive transaction information comprising payment data related to at least one of: cash, transaction account information, loyalty points and cash equivalent value. 14. The system of claim 1, wherein the processor of the browser-based tool is configured to receive transaction information comprising payment data, wherein the payment data comprises at least one of: account code of a payment account, charged amount, issuer information, security code, expiration date, cash equivalent value, demographic data, and loyalty point value. 15. The system of claim 1, wherein the processor of the browser-based tool is configured to receive transaction information comprising a load amount, wherein the load amount comprises at least one of: an initial load amount, reload amount, cash equivalent value, loyalty point value, information to transfer value from another account and information to transfer value to another account. 16. The system of claim 1, wherein the processor of the browser-based tool is further configured to communicate the transaction information to the host via an intermediary. 17. The system of claim 1, wherein the processor of the browser-based tool is further configured to at least one of: receive the authorization and provide an indication of the authorization, that the open transaction instrument is at least one of: valid for sale, payment authorization amount is equivalent to a load amount, and load information is associated with the randomized account code. 18. The system of claim 1, wherein the processor of the browser-based tool is further configured to facilitate: reconciling, generating reports, producing receipts, cashing out of the open transaction instruments at a point of sale, voiding the open transaction instruments when a transaction is not settled, submitting a balance inquiry, and replacing lost open transaction instruments. 19. The system of claim 1, wherein the processor of the browser-based tool is further configured to receive transaction information from at least one of: manual entry, a database, a digital wallet, a transaction instrument reader, a bar code scanner, an RFID reader and a biometric sensor. 20. The system of claim 1, wherein the processor of the browser-based tool is further configured to facilitate moving the randomized account code from the electronic vault associated with a parent entity to the electronic till associated with an affiliate of the parent entity, to allow entry of the transaction information related to the randomized account code.
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