Stored-Value Card Management Method and System

摘要

A computerized system for activating, issuing and otherwise managing transactions and activities pertaining to stored-value cards over a communications network. A central information database is provided for storing stored-value cardholder and card purchaser information received directly from respective stored-value cardholders and card purchasers PCs through a universal central processor via respective communication gateways. The central processor is coupled for communication realtime to multiple unaffiliated stored-value card processing networks normally operated by respective hosts. Each network includes a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices. The central processor is programmed for managing the activation and issuance of transactions and activities for the stored-value card through the respective unaffiliated networks. The universal central processor is programmed to issue the stored-value cards directly to the cardholder or card purchaser by download over respective communication gateways. The universal central processor is further programmed for reporting the card activations, issuances, transactions and activities to the cardholders and the merchants thereby providing a universal management system.

主权项

1. A computerized method for real-time activating and issuing of stored-value cards over a communications network, the method comprising:
receiving, by a central processor, a stored-value card purchasing request via a respective communication gateway, and in response to receiving the request; communicating in real-time, by a central processor, with an unaffiliated stored-value card processing network, such network including a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices; communicating in real-time with a potential or existing stored-value cardholder or card purchaser regarding a stored-value card; through the card processor, activating and issuing the stored value card through the central processor; and managing a stored-value card transaction through said unaffiliated network by said central processor.