公开(公告)号：US20040133511A1

公开(公告)日：2004-07-08

申请号：US10739301

申请日：2003-12-19

申请人： e2interactive, Inc. d/b/a e2Interactive, Inc.

发明人： Merrill Brooks Smith ,  Phillip Craig Graves

IPC分类号： G06F017/60

CPC分类号： G07F7/08 ,  G06Q20/04 ,  G06Q20/0652 ,  G06Q20/10 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/04 ,  H04M15/00 ,  H04M15/06 ,  H04M15/48 ,  H04M15/51 ,  H04M15/68 ,  H04M15/715 ,  H04M15/8083 ,  H04M17/00 ,  H04M17/10 ,  H04M2017/2518 ,  H04M2017/2525 ,  H04M2017/2568 ,  H04M2215/0156 ,  H04M2215/0184 ,  H04M2215/0192 ,  H04M2215/0196 ,  H04M2215/2033 ,  H04M2215/54 ,  H04M2215/7027

摘要： A system and method for adding value into a customer's stored-value account is provided. A stored-value card is distributed to a merchant for distribution to a customer who has an account with a specific provider of goods and/or services. The stored-value card has an associated identifier that can be used to associate a stored value with the card. The associated stored value is redeemable with one or more providers, including the specific provider. The account has an associated account number. During a card purchase transaction, a central processor receives a request to activate the card from a merchant terminal. The central processor receives a redemption request from the customer, wherein the redemption request includes the identifier. The central processor identifies the provider and the account number. The central processor inserts the associated value into the account, for instance by passing a value insertion request to the provider. The central processor receives a subsequent request to activate the card from a different merchant terminal. The central processor recognizes the card, identifies the provider and account number, and automatically inserts the value into the account.

摘要翻译： 提供了一种将价值增加到客户的储值账户中的系统和方法。 将储值卡分发给商家以分配给具有与特定货物和/或服务提供商的帐户的客户。 存储卡具有可用于将存储的值与卡相关联的相关联的标识符。 相关联的存储值可以与一个或多个提供程序（包括特定提供程序）一起兑换。 该帐户有一个关联的帐号。 在卡购买交易期间，中央处理器从商家终端接收到激活卡的请求。 中央处理器接收来自客户的兑换请求，其中兑换请求包括标识符。 中央处理器识别提供商和帐号。 中央处理器将关联的值插入到帐户中，例如通过向提供者传递值插入请求。 中央处理器接收来自不同商家终端的随后的激活卡的请求。 中央处理器识别卡，识别提供商和帐号，并自动将该值插入到帐户中。

公开(公告)号：US20040153402A1

公开(公告)日：2004-08-05

申请号：US10758429

申请日：2004-01-16

申请人： e2interactive, Inc. d/b/a e2Interactive, Inc.

发明人： Merrill Brooks Smith ,  Phillip Craig Graves

IPC分类号： G06F017/60

CPC分类号： H04M15/48 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q30/02 ,  H04M15/00 ,  H04M15/06 ,  H04M15/51 ,  H04M15/68 ,  H04M15/8083 ,  H04M17/00 ,  H04M17/10 ,  H04M2215/0156 ,  H04M2215/0184 ,  H04M2215/0192 ,  H04M2215/0196 ,  H04M2215/2033 ,  H04M2215/54

摘要： A system and method for conducting a PIN-enabled stored value account refund transaction is provided. A refund request is received, wherein the refund request is for a stored value account having an associated value purchased in a previous transaction, and the refund request comprises a PIN associated with the stored value account. The refund request may be received by a central processor from a merchant terminal at the request of a customer. The central processor or merchant terminal determine whether any of the associated value has been previously redeemed. A refund amount is determined. The refund amount may be provided to the customer.

摘要翻译： 提供了一种用于执行启用PIN的存储值帐户退款交易的系统和方法。 收到退款请求，其中退款请求是用于具有在先前交易中购买的相关联值的存储值账户，并且退款请求包括与存储值账户相关联的PIN。 中央处理器可以根据客户的要求从商家终端接收退款请求。 中央处理器或商务终端确定相关联的值中的任何值是否已经被先前兑换。 退款金额确定。 可以向客户提供退款金额。

公开(公告)号：US20040118914A1

公开(公告)日：2004-06-24

申请号：US10732641

申请日：2003-12-10

申请人： e2interactive, Inc. d/b/a e2Interactive, Inc.

发明人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Jonathan O'Neal

IPC分类号： G06K005/00

CPC分类号： G06Q30/02 ,  G06Q20/04 ,  H04M15/00 ,  H04M15/06 ,  H04M15/48 ,  H04M15/51 ,  H04M15/68 ,  H04M15/8083 ,  H04M17/00 ,  H04M17/10 ,  H04M2215/0156 ,  H04M2215/0184 ,  H04M2215/0192 ,  H04M2215/0196 ,  H04M2215/2033 ,  H04M2215/54

摘要： A system and method for supplying communication service value is disclosed. In one embodiment, the method includes distributing indicia of an identifier to a merchant for distribution to a customer having a customer account. The identifier has an associated service value that is redeemable with a plurality of carriers. The method further includes activating the identifier upon distribution of the indicia to the customer. A central processor may verify whether the merchant is authorized to distribute the indicia to the customer. During distribution to the customer, the merchant may transmit prior transaction information to the central processor, and the central processor may reconcile past billing records based on such prior transaction information. The method also includes receiving a request from the customer to add the associated service value to the customer account and adding the associated service value to the customer account is disclosed. The system and method may be used with any type of stored-value card account, including prepaid emergency road service cards.

摘要翻译： 公开了提供通信服务价值的系统和方法。 在一个实施例中，该方法包括将标识符的标记分发给商家以分发给具有客户帐户的客户。 标识符具有可与多个载体可兑换的相关联的服务值。 该方法还包括在将标记分发给客户时激活标识符。 中央处理器可以验证商家是否被授权将标记分发给客户。 在分配给客户期间，商家可以将先前的交易信息发送到中央处理器，并且中央处理器可以基于这种现有交易信息来协调过去的记帐记录。 该方法还包括接收来自客户的请求以将相关联的服务值添加到客户帐户，并将相关联的服务值添加到客户帐户。 系统和方法可以与任何类型的储值卡账户一起使用，包括预付紧急道路服务卡。