System and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods
IPC분류정보
국가/구분
United States(US) Patent
등록
국제특허분류(IPC7판)
G06Q-040/00
G06Q-030/00
G06Q-020/00
G06Q-090/00
G07D-011/00
G07F-019/00
G06K-005/00
G06K-019/00
G06K-019/06
출원번호
US-0536765
(2012-06-28)
등록번호
US-8485441
(2013-07-16)
발명자
/ 주소
Brooks, Jason
출원인 / 주소
Metabank
대리인 / 주소
Bracewell & Giuliani LLP
인용정보
피인용 횟수 :
15인용 특허 :
160
초록▼
Embodiments of systems, computer program product, and related computer implemented methods to issue a closed-loop retail prepaid card including a user-designed external face using a chit, the chit being defined by an identification mechanism representing a financial commitment to issue a closed-loop
Embodiments of systems, computer program product, and related computer implemented methods to issue a closed-loop retail prepaid card including a user-designed external face using a chit, the chit being defined by an identification mechanism representing a financial commitment to issue a closed-loop retail prepaid card in an amount associated with a value paid for the chit, are provided. Embodiments of the present invention advantageously provide a service that enables a consumer to purchase, at the storefront of a retail establishment, a chit card that the consumer can subsequently redeem through a graphical user interface of an Internet website for a closed-loop retail prepaid card with a user-designed external face. The user-designed closed-loop retail prepaid card, for example, can be subsequently printed and delivered to an intended recipient. Advantageously, such a service can be made available to any retail establishment that uses a point-of-sale system.
대표청구항▼
1. A method of providing personalized prepaid gift cards, the method comprising: activating, by one or more processors, a chit redeemable for a prepaid card responsive to receipt of an activation message associated with an indication that a chit has been purchased by a purchaser at a merchant locati
1. A method of providing personalized prepaid gift cards, the method comprising: activating, by one or more processors, a chit redeemable for a prepaid card responsive to receipt of an activation message associated with an indication that a chit has been purchased by a purchaser at a merchant location, the activation message including a chit identifier and as chit value, associated with the purchased chit, the chit comprises an identification mechanism representing a financial commitment to issue one of a plurality of prepaid cards in an amount associated with the purchased chit value;receiving, by one or more processors, responsive to activation of the chit, the chit identifier from a remote user device operated by a user when the user attempts to redeem the chit to obtain the prepaid card;validating, by one or more processors, the chit identifier received from the user responsive to data indicative of activation;seeding a prepaid card with the a card value corresponding to the chit value such that the prepaid card is redeemable at the merchant for the card value;sending, by one or more processors to the remote user device, user-selectable design options by which the user configures the appearance of the prepaid card;receiving, by one or more processors, user-selected design options from the remote user device;causing the prepaid card to have an appearance in accordance with the received user-selected design options; andproviding the configured appearance card to the user, the card being a physical card operable to be used to facilitate a financial transaction at least at the merchant location, the chit comprises an identification mechanism representing a financial commitment to issue one of a plurality of prepaid cards in an amount associated with the purchased chit value. 2. A method defined by claim 1, wherein the prepaid card comprises a closed-loop prepaid card such that the chit is purchased from the merchant at which the prepaid card is redeemable, and wherein the activation message identifies the merchant. 3. A method defined by claim 1, further comprising: identifying, by one or more processors, a merchant corresponding to the chit identifier received from the user;retrieving, by one or more processors, the user-selectable design options, the user-selectable design options being selected by the merchant corresponding to the chit identifier. 4. A method defined by claim 1, further comprising: receiving, by one or more processors, user-selectable design options from each of a plurality of merchants; andstoring the user-selectable design options from each merchant in a data file corresponding to the merchant, andwherein sending the remote user device the user-selectable design options comprises: identifying a merchant corresponding to the chit identifier received from the user,retrieving the user-selectable design options corresponding to the identified merchant from memory, andsending, by one or wore processors, the retrieved user-selectable design options. 5. A method defined by claim 1, wherein the user-selectable, design options include a plurality of different images, a selected one of which to be printed on the prepaid card. 6. A method defined by claim 1, wherein the user-selectable design options include a field of user-identified, text to be printed on the prepaid card and font in which to print the text. 7. A method defined by claim 6, wherein the user-selectable design options include a location of the user-identified text on the prepaid card. 8. A method defined by claim 1, further comprising: emailing, through an electronic communication network, the activated chit to an email account of the user, the email including the chit identifier and an address of a chit redemption website. 9. A method defined by claim 1, wherein the activation message is received from a financial services network, and wherein the chit identifier includes an identifier of a prepaid-card provider. 10. A method defined by claim 1 wherein activating the chit comprises storing an activation code in a data file corresponding to the chit, and wherein validating the chit comprises verifying that the chit identifier corresponds to at data file including the activation code. 11. A method defined by of claim 1, further comprising: sending a computer of the merchant an activation code created upon activation of the chit. 12. A method defined by claim 9, further comprising: receiving, by one or more processors, user selectable design options from each of a plurality of merchants; andstoring the user-selectable design options from each merchant in a data file corresponding to the merchant, andwherein sending the remote user device the user-selectable design options comprises: identifying a merchant corresponding to the chit identifier received from the user,retrieving the user-selectable design options corresponding to the identified merchant from memory, andsending, by one or more processors, the retrieved user-selectable design options. 13. A method defined by claim 1, further comprising: receiving a mailing address and a name of the user from the remote user device, andwherein causing the prepaid card to have the appearance in accordance with the received user-selected design options comprises: printing the prepaid card in accordance with the user-selected design options, andprinting the mailing address and the name of the user on an envelope. 14. A method defined by claim 13, wherein the prepaid card is partially printed prior to printing the prepaid card in accordance with the user-selected design options. 15. A method defined by claim 1, further comprising: receiving, prior to activating the chit, information by which the identity of the purchaser of the chit is confirmable; andverifying that the user redeeming the chit knows the information by which the identity of the purchaser of the chit is confirmable. 16. A method defined by claim 1, further comprising: authenticating the received chit identifier before activating the chit, the authenticating including determining that two chit identifiers are provided in a sequence. 17. A method defined by claim 1, wherein seeding the prepaid card with the card value comprises: associating a data file corresponding to the chit with a data file corresponding to the prepaid card, wherein the card value equals the chit value. 18. A method defined by claim 1, further comprising: receiving, prior to activating the chit, information by which the identity of the purchaser of the chit is confirmable;verifying that the user redeeming the chit knows the information by which the identity of the purchaser of the chit is confirmable;sending to a computer of the merchant an activation code created upon activation of the chit;identifying a merchant corresponding to the chit identifier received from the user; andretrieving, by one or more processors, the user-selectable design options, the user-selectable design options being selected by the merchant corresponding to the chit identifier, and wherein: the chit identifier represents a financial commitment to issue a prepaid card in an amount equal to a value paid for the chit,the prepaid card comprising a closed-loop prepaid card such that the chit is purchased from the merchant at which the prepaid card is redeemable, and wherein the activation message identities the merchant, andthe user-selectable design options include a plurality of images, a selected one of which to be printed on the prepaid card. 19. A prepaid card provider computer system comprising; one or more processors;non-transitory, tangible computer readable memory in communication with the one or more processors, the memory storing code that when executed by the one or more processors cause the one or more processors to perform steps comprising: receiving an activation message, the activation message indicating that a chit has been purchased by a purchaser at a merchant location, and the activation message including a chit identifier and indicating a chit value associated with the purchased chit, the chit comprises an identification mechanism representing a financial commitment to issue one of a plurality of prepaid cards in an amount association with the purchased chit value;activating the chit by storing in the memory data indicative of activation;receiving, after activating the chit, the chit identifier from a user computer operated by a user redeeming the chit purchased by the purchaser to obtain a prepaid card;validating the chit identifier received from the user responsive to the data indicative of activation;seeding the prepaid card with the a card value corresponding to the chit value such that the prepaid card is redeemable at the merchant for the card value;sending, from the prepaid-card provider computer system to the user computer, user-selectable design options by which the user configures the appearance of the prepaid card;receiving the user-selected design options from the user computer;causing the prepaid card to have an appearance in accordance with the received user-selected design options and;providing the configured appearance card to the user, the card being a physical card operable to be used to facilitate a financial transaction at least at the merchant location. 20. A tangible, non-transitory machine readable medium storing instructions that when executed by one or more processors cause steps to be performed, the steps comprising: receiving, by one or more processors, an activation message, the activation message indicating that a chit has been purchased by a purchaser at a merchant location, and the activation message including a chit identifier and a chit value associated with the purchased chit, the chit comprises an identification mechanism representing a financial commitment to issue one of a plurality of prepaid cards in an amount associated with the purchased chit value;activating, by one or more processors, the can responsive to data indicative of activation;receiving, by one or more processors, after activating the chit, the chit identifier from a remote user device operated by a user redeeming the chit to obtain the prepaid card;validating the chit identifier received from the user responsive to the data indicative of activation;seeding the prepaid card with the a card value corresponding to the chit value such that the prepaid card is redeemable at a the merchant for the card value;sending, by one or more processors, user-selectable design options by which user configures the appearance of the prepaid card;receiving the user-selected design options from the remote user device;causing the prepaid card to have an appearance in accordance with the received user selected design options and;providing the configured appearance card to the user, the card being a physical card operable to be used to facilitate a financial transaction at least at the merchant location.
연구과제 타임라인
LOADING...
LOADING...
LOADING...
LOADING...
LOADING...
이 특허에 인용된 특허 (160)
Fish, Howard; Sterling, Jake, ATM system for receiving cash deposits from non-networked clients.
Small Maynard E. (105 Ward Pkwy. ; Apt. 507 Kansas City MO 64112), Apparatus and method for electronically dispensing personalized greeting cards and gifts.
Katzeff Kurt (Televerkets Huvudkontor ; Fack S-123 86 Farsta SEX) Petre Tommy (Televerkets Huvudkontor ; Fack S-123 86 Farsta SEX), Arrangement for a pay telephone payment system utilizing a payment card within the telecommunication system.
Bishop Ronald D. (Irvine CA) McClure Dana W. (El Toro CA) Storch John A. (Santa Ana CA), Automated vending of cellular hand-held telephones and cellular telephone services.
Zicker Robert G. (Houston TX) Cao Thanh H. (Houston TX) Borkowski Daniel G. (The Woodlands TX) Plouff Donald A. (The Woodlands TX) Brown ; Jr. Phillip D. (The Woodlands TX), Cellular radiotelephone credit card paystation method.
Galit, Scott H.; Sorbe, Trent, Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products.
Galit, Scott H.; Sorbe, Trent, Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products.
Galit, Scott H.; Sorbe, Trent, Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products.
Galit, Scott H.; Sorbe, Trent, Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products.
Stahl John I. (Coral Springs FL) Brown David L. (Miami FL) Heeschen David R. (Pompano FL) Breeden Robert L. (Boynton Beach FL) Bessom Richard E. (Boca Raton FL) Lambrcht Frank E. (Hollywood FL) Stugl, Cordless telephone with internal debit and credit memory.
Bourgeois David R. (Framingham MA) Ryan James A. (West Boylston MA) Varshney Subhash C. (W. Roxbury MA), Data processing system with self testing and configuration mapping capability.
Hilt James J. (Daly City CA) Hodges Ron (San Ramon CA) Pardue Stephen W. (Half Moon Bay CA) Powar William L. (Palo Alto CA), Electronic bill pay system.
Jones Christopher L. ; Sharpe William F. ; Scott Jason S. ; Watson John G. ; Maggioncalda Jeff N. ; Bekaert Geert ; Grenadier Steven R. ; Park Ronald T., Financial advisory system.
Levine Jack (Agoura Hills CA) Brandt Priscilla C. (San Mateo CA) Jackson Nydia (Redwood City CA) Johnson David L. (Woodside CA) Clark Helen (Mill Valley CA), Method and apparatus for distributing currency.
Brown, Peggy; Guthrie, Janet; McLaughlin, Edward; Ross, Samantha; Lanford, Matthew, Method and system for enabling item-level approval of payment card.
Schutzer Daniel ; Forster ; Jr. William Hull,NLX ; Hu Huanrui ; Lee Wenke ; Stolfo Salvatore J. ; Fan Wei, Method and system for using intelligent agents for financial transactions, services, accounting, and advice.
Levie Stephen Alan ; Brown Bradley Dale ; Loxtercamp Gregory John ; Hermansen Michael E. ; O'Hare Emmett E. ; Ghanbarzadeh Ahmad, Modular transaction terminal.
Nair Parameswaran B. (Acworth GA) Evans John C. (Atlanta GA) Price James F. (Alpharetta GA) Choudhuri Kumar S. (Kennesaw GA) Stills James T. (Atlanta GA) Goulding Victor V. (Lawrenceville GA), Multi-reader transaction terminal.
Hamilton, Daniel Lee; McMichael, Jr., William Richard; Pigg, Esther J.; Webber, Cathy E.; Dreyer, Hans D., Payment processing with selection of an electronic debiting option.
Campo James A. (Brunswick OH) Anderson Fred J. (Wooster OH) Embree Donald M. (Uniontown OH) Hofstetter Charles J. (Aurora OH) Sloan Donald I. (Stow OH), Portable point of sale terminal.
Meyer Lee ; Fuller James D. ; Hanley David C. ; Fong Willie Yuen ; Specht Gary L. ; Fischer Michael ; Serotta Paul A. ; Cole William B., Portable transaction terminal system.
Sloan Joseph W. (Nashville TN) Snyder Harry P. (Brentwood TN) Foster Joseph W. (Nashville TN) Day Mark C. (Nashville TN) Berg Timothy G. (Brentwood TN) Jarreau Michael (Brentwood TN) Miller Mark P. (, Prepayment metering system using encoded purchase cards from multiple locations.
Maes Philippe (Peynier FRX) Depret Eric (Caen FRX) Hiolle Philippe (Herouville Saint Clair FRX), Rechargeable prepaid memory card with both unit and page counters.
Yuris Nora (Del Mar CA) Cekander Eugene J. (San Diego CA) Kazaoka Masaru (San Diego CA) Chuang Jim P. (Escondido CA), Self-service passenger ticketing system.
Brooks, Jason, System and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods.
Nguyen, Truc; Yeung, Mike; Garred, John X.; Mizer, Susan L.; Tucker, Emily, System and method for generation of customized cards having a gift value associated therewith.
Cline, Andrea; Parks, Marilyn; Weigand, Johannes; Lietz, Abram P.; Hunt, Yolette; Fogarty, Brendan M., System and method for offering and managing online purchasing card transactions.
Muehlberger Karl H. (Lakeland FL) Francis Gary W. (Lakeland FL), System and method for processing credit and debit card validity and funds transactions from vending machines and similar.
Chien, Emily; Sanchez, Trish; Saunders, Daniela; Wiseman, Jill; Balagopal, C R; Kinderknecht, Al; Parson, Jon W.; Preston, Ray, System and method for using loyalty rewards as currency.
Ahlers, Rebecca; Crowe, Andrew B.; Galit, Scott H.; Sorbe, Trent, System, non-transitory memory with computer program, and associated methods for micro-credit to prepaid cards.
Ahlers, Rebecca; Crowe, Andrew B.; Galit, Scott H.; Sorbe, Trent, System, program product, and associated methods to autodraw for micro-credit attached to a prepaid card.
Ahlers, Rebecca; Crowe, Andrew B.; Galit, Scott H.; Sorbe, Trent, System, program product, and associated methods to autodraw for micro-credit attached to a prepaid card.
Ahlers, Rebecca; Crowe, Andrew B.; Galit, Scott H.; Sorbe, Trent, System, program product, and associated methods to autodraw for micro-credit attached to prepaid card.
Bishop,Fred; Barrett,Michael R.; Armes,David; Wojciechowski,Lee A.; Madhineni,Madhukar; Krishnan,Vilayanur Parameswaran; McKay,Joshua B.; Gebb,Lucas, Systems and methods for facilitating commercial transactions between parties residing at remote locations.
Hakamada Ikuhiro (3 Dormitory 2101 ; 527 Imazato Susono City ; Shizuoka Prefecture JPX), Telephone card having calendar and system for issuing and using same.
Ahearn Kathleen M. (San Jose CA) Albal Nandakishore A. (Pataskala OH) Cottrell Daniel D. (Geneva IL) Harris Richard M. (Hoboken NJ) Ladieu-Walton Julie M. (Lawrenceville NJ) Razavi Hamid C. (Highland, Telephone network credit card calling apparatus and method of operation to determine validation and fraudulent use of cr.
Abraham Dennis G. (Concord NC) Aden Steven G. (Charlotte NC) Arnold Todd W. (Charlotte NC) Neckyfarow Steven W. (Charlotte NC) Rohland William S. (Charlotte NC), Transaction system security method and apparatus.
Abraham Dennis G. (Concord NC) Aden Steven G. (Charlotte NC) Arnold Todd W. (Charlotte NC) Neckyfarow Steven W. (Charlotte NC) Rohland William S. (Charlotte NC), Transaction system security method and apparatus.
Sorbe, Trent; Larson, Troy, Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account.
Perkowski, Thomas J., Web-based electronic commerce (EC) enabled shopping network configured to allow members of a consumer product management team and authorized parties to communicate directly with consumers shopping at EC-enabled websites along the world wide web (WWW), using multi-mode virtual kiosks (MMVKS) driven by server-side components and managed by product team members.
Ahlers, Rebecca; Miller, Eric; Galit, Scott; Sorbe, Trent; Larson, Troy, Computer-implemented methods, program product, and system for micro-loan product management.
Brooks, Jason, System and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods.
Sorbe, Trent; Larson, Troy, Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account.
※ AI-Helper는 부적절한 답변을 할 수 있습니다.