WO2009045727A3 - Automated submission of prepaid programs - Google Patents

Automated submission of prepaid programs Download PDF

Info

Publication number
WO2009045727A3
WO2009045727A3 PCT/US2008/076697 US2008076697W WO2009045727A3 WO 2009045727 A3 WO2009045727 A3 WO 2009045727A3 US 2008076697 W US2008076697 W US 2008076697W WO 2009045727 A3 WO2009045727 A3 WO 2009045727A3
Authority
WO
WIPO (PCT)
Prior art keywords
issuer
prepaid
program
transaction handler
computer system
Prior art date
Application number
PCT/US2008/076697
Other languages
French (fr)
Other versions
WO2009045727A2 (en
Inventor
Carrie Vriheas
Elizabeth Boone Luzader
William Moody
Sandy Lee Belshe
Original Assignee
Visa Usa Inc
Carrie Vriheas
Elizabeth Boone Luzader
William Moody
Sandy Lee Belshe
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 Visa Usa Inc, Carrie Vriheas, Elizabeth Boone Luzader, William Moody, Sandy Lee Belshe filed Critical Visa Usa Inc
Priority to CA2700308A priority Critical patent/CA2700308A1/en
Priority to AU2008307289A priority patent/AU2008307289B2/en
Priority to EP08836417A priority patent/EP2193485A2/en
Priority to BRPI0817719 priority patent/BRPI0817719A2/en
Publication of WO2009045727A2 publication Critical patent/WO2009045727A2/en
Publication of WO2009045727A3 publication Critical patent/WO2009045727A3/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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

A payment system includes transaction handler that processes transactions, each characterized by a consumer and a merchant engaging in a sales transaction involving a prepaid program having prepaid cards, such as a gift card, that an issuer provides to consumers. A method for establishing a prepaid program includes the issuer remotely accessing a computer system at the transaction handler. The computer system presenting the issuer with a program information form on which the issuer enters requested data. As each data item is entered, the computer system checks for errors, which are identified to and corrected by the issuer in real time. The issuer submits the data as a request to create a prepaid program, which the transaction handler reviews and responds by approving or rejecting creation of the prepaid program. The transaction handler electronically communicates approval or rejection of the prepaid program to the issuer.
PCT/US2008/076697 2007-09-28 2008-09-17 Automated submission of prepaid programs WO2009045727A2 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
CA2700308A CA2700308A1 (en) 2007-09-28 2008-09-17 Automated submission of prepaid programs
AU2008307289A AU2008307289B2 (en) 2007-09-28 2008-09-17 Automated submission of prepaid programs
EP08836417A EP2193485A2 (en) 2007-09-28 2008-09-17 Automated submission of prepaid programs
BRPI0817719 BRPI0817719A2 (en) 2007-09-28 2008-09-17 Methods for establishing a prepaid program, and for approving a prepaid program, computer readable media, and apparatus for processing an application for approval of a prepaid program in a transaction processing system.

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US97621507P 2007-09-28 2007-09-28
US60/976,215 2007-09-28
US12/211,716 US8297498B2 (en) 2007-09-28 2008-09-16 Automated submission of prepaid programs
US12/211,716 2008-09-16

Publications (2)

Publication Number Publication Date
WO2009045727A2 WO2009045727A2 (en) 2009-04-09
WO2009045727A3 true WO2009045727A3 (en) 2009-05-22

Family

ID=40507045

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2008/076697 WO2009045727A2 (en) 2007-09-28 2008-09-17 Automated submission of prepaid programs

Country Status (6)

Country Link
US (2) US8297498B2 (en)
EP (1) EP2193485A2 (en)
AU (1) AU2008307289B2 (en)
BR (1) BRPI0817719A2 (en)
CA (1) CA2700308A1 (en)
WO (1) WO2009045727A2 (en)

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050229003A1 (en) 2004-04-09 2005-10-13 Miles Paschini System and method for distributing personal identification numbers over a computer network
US7676030B2 (en) 2002-12-10 2010-03-09 Ewi Holdings, Inc. System and method for personal identification number distribution and delivery
US10205721B2 (en) 2002-12-10 2019-02-12 Ewi Holdings, Inc. System and method for distributing personal identification numbers over a computer network
WO2004107280A2 (en) 2003-05-28 2004-12-09 Ewi Holdings, Inc. System and method for electronic prepaid account replenishment
US11599873B2 (en) 2010-01-08 2023-03-07 Blackhawk Network, Inc. Systems and methods for proxy card and/or wallet redemption card transactions
US11475436B2 (en) 2010-01-08 2022-10-18 Blackhawk Network, Inc. System and method for providing a security code
US7280644B2 (en) 2004-12-07 2007-10-09 Ewi Holdings, Inc. Transaction processing platform for faciliating electronic distribution of plural prepaid services
US10296895B2 (en) 2010-01-08 2019-05-21 Blackhawk Network, Inc. System for processing, activating and redeeming value added prepaid cards
WO2011085241A1 (en) 2010-01-08 2011-07-14 Blackhawk Network, Inc. A system for processing, activating and redeeming value added prepaid cards
US9841282B2 (en) 2009-07-27 2017-12-12 Visa U.S.A. Inc. Successive offer communications with an offer recipient
US9342835B2 (en) 2009-10-09 2016-05-17 Visa U.S.A Systems and methods to deliver targeted advertisements to audience
US9031860B2 (en) 2009-10-09 2015-05-12 Visa U.S.A. Inc. Systems and methods to aggregate demand
US8595058B2 (en) 2009-10-15 2013-11-26 Visa U.S.A. Systems and methods to match identifiers
US20110093324A1 (en) 2009-10-19 2011-04-21 Visa U.S.A. Inc. Systems and Methods to Provide Intelligent Analytics to Cardholders and Merchants
US20110125565A1 (en) 2009-11-24 2011-05-26 Visa U.S.A. Inc. Systems and Methods for Multi-Channel Offer Redemption
US10037526B2 (en) 2010-01-08 2018-07-31 Blackhawk Network, Inc. System for payment via electronic wallet
US20110288918A1 (en) * 2010-05-24 2011-11-24 Karen Louise Cervenka Systems and Methods for Redemption of Offers
CN103299331A (en) * 2010-08-27 2013-09-11 黑鹰网络股份有限公司 Prepaid card with savings feature
US10007915B2 (en) 2011-01-24 2018-06-26 Visa International Service Association Systems and methods to facilitate loyalty reward transactions
US10223707B2 (en) 2011-08-19 2019-03-05 Visa International Service Association Systems and methods to communicate offer options via messaging in real time with processing of payment transaction
US11042870B2 (en) 2012-04-04 2021-06-22 Blackhawk Network, Inc. System and method for using intelligent codes to add a stored-value card to an electronic wallet
US20140095386A1 (en) * 2012-10-01 2014-04-03 Wal-Mart Stores, Inc. Universal Substantiation System
WO2014081822A2 (en) 2012-11-20 2014-05-30 Blackhawk Network, Inc. System and method for using intelligent codes in conjunction with stored-value cards
US10354268B2 (en) 2014-05-15 2019-07-16 Visa International Service Association Systems and methods to organize and consolidate data for improved data storage and processing
US10650398B2 (en) 2014-06-16 2020-05-12 Visa International Service Association Communication systems and methods to transmit data among a plurality of computing systems in processing benefit redemption
US10438226B2 (en) 2014-07-23 2019-10-08 Visa International Service Association Systems and methods of using a communication network to coordinate processing among a plurality of separate computing systems
US9691085B2 (en) 2015-04-30 2017-06-27 Visa International Service Association Systems and methods of natural language processing and statistical analysis to identify matching categories
US11393043B2 (en) 2018-04-20 2022-07-19 Connectyourcare, Llc Method and system for creation and funding of tax-advantaged account at point of sale/service
CN111258832B (en) * 2020-01-22 2023-06-20 泰康保险集团股份有限公司 Interface parameter verification method, device, equipment and medium

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20000036868A (en) * 2000-03-30 2000-07-05 손보형 Service method for card issue and administration at internet
US20030078864A1 (en) * 1998-07-17 2003-04-24 Hardesty Laurence D. Financial transaction system with saving benefit
US20060012519A1 (en) * 2003-05-29 2006-01-19 Masashi Mizuma Optical control type phased array antenna
US7096198B1 (en) * 1997-06-16 2006-08-22 Vincent Cuervo Internet web site program for the purchase, issue and dispensing of debit cards
US20060265335A1 (en) * 2005-03-29 2006-11-23 Peter Hogan System and method for issuing prepaid debit card at point of sale

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6505176B2 (en) * 1998-06-12 2003-01-07 First American Credit Management Solutions, Inc. Workflow management system for an automated credit application system
US6615190B1 (en) * 2000-02-09 2003-09-02 Bank One, Delaware, National Association Sponsor funded stored value card
US6752313B1 (en) * 2000-11-14 2004-06-22 Online Data Corp. Method and system for establishing a credit card transaction processing merchant account
US7925518B2 (en) 2002-04-19 2011-04-12 Visa U.S.A. Inc. System and method for payment of medical claims
US7280644B2 (en) * 2004-12-07 2007-10-09 Ewi Holdings, Inc. Transaction processing platform for faciliating electronic distribution of plural prepaid services

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7096198B1 (en) * 1997-06-16 2006-08-22 Vincent Cuervo Internet web site program for the purchase, issue and dispensing of debit cards
US20030078864A1 (en) * 1998-07-17 2003-04-24 Hardesty Laurence D. Financial transaction system with saving benefit
KR20000036868A (en) * 2000-03-30 2000-07-05 손보형 Service method for card issue and administration at internet
US20060012519A1 (en) * 2003-05-29 2006-01-19 Masashi Mizuma Optical control type phased array antenna
US20060265335A1 (en) * 2005-03-29 2006-11-23 Peter Hogan System and method for issuing prepaid debit card at point of sale

Also Published As

Publication number Publication date
US20130024380A1 (en) 2013-01-24
AU2008307289B2 (en) 2014-01-16
WO2009045727A2 (en) 2009-04-09
CA2700308A1 (en) 2009-04-09
AU2008307289A1 (en) 2009-04-09
US8864023B2 (en) 2014-10-21
US8297498B2 (en) 2012-10-30
EP2193485A2 (en) 2010-06-09
US20090084842A1 (en) 2009-04-02
BRPI0817719A2 (en) 2015-03-31

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