Methods and systems for coordinating a change in status of stored-value cards
View Patent ↗Methods and systems are provided for coordinating a change in status of a stored-value card for a customer. Transaction information is received at a host system from a point-of-sale terminal. The transaction information includes stored-value-card information identifying the stored-value card and payment-instrument information identifying a payment instrument to be used for financing the change in status of the stored-value card. The host system receives a payment authorization from a payment authority in response to a transmission of the payment-instrument information to the payment authority. The host system also receives a confirmation of the change in status of the stored-value card from a stored-value-card authority in response to a transmission of the stored-value-card information to the stored-value-card authority. The host system transmits an approval for effecting the change in status of the stored-value card to the point-of-sale terminal.
1. A method for coordinating a change in status of a stored-value card for a customer, the method comprising:
receiving transaction information at a host system from a point-of-sale terminal, the transaction information including identifier information read from and identifying the stored-value card and payment-instrument information identifying a payment instrument to be used for financing the change in status of the stored-value card;
parsing the identifier information and the payment-instrument information from the received transaction information at the host system; transmitting the parsed identifier information to a stored-value-card authority; transmitting the parsed payment-instrument information to a payment authority;
receiving at the host system a payment authorization from the payment authority in response to the transmission of the payment-instrument information to the payment authority;
receiving at the host system from the stored-value-card authority a confirmation of the change in status of the stored-value card in records of the stored-value-card authority, the confirmation received in response to the transmission of the identifier information to the stored-value-card authority; and
transmitting an approval for effecting the change in status of the stored-value card from the host system to the point-of-sale terminal.
2. The method recited in claim 1 wherein the change in status of the stored-value card corresponds to an activation of the stored-value card.
3. The method recited in claim 1 wherein the change in status of the stored-value card corresponds to an augmentation in value associated with the stored-value card.
4. The method recited in claim 1 wherein the transmission of the identifier information to the stored-value-card authority is performed after receiving the payment authorization from the payment authority.
5. The method recited in claim 1 wherein the identifier information further identifies an initial value associated with the stored-value card.
6. The method recited in claim 1 wherein the identifier information corresponds to information read from a magnetic stripe comprised by the stored-value card.
7. The method recited in claim 1 wherein the payment-instrument information corresponds to information read from a magnetic stripe comprised by the payment instrument.
8. The method recited in claim 1 wherein the payment instrument comprises a credit card.
9. The method recited in claim 1 wherein the payment instrument comprises a debit card.
10. A computer-readable storage medium having a computer-readable program embodied therein for directing operation of a host system including a communications system and a processor, wherein the computer-readable program includes instructions for operating the host system to coordinate a change in status of a stored-value card in accordance with the following:
receiving transaction information with the communications system from a point-of-sale terminal, the transaction information including identifier information identifying the stored-value card and payment-instrument information identifying a payment instrument to be used for financing the change in status of the stored-value card;
parsing the identifier information and the payment-instrument information from the received transaction information at the communications system; transmitting the parsed identifier information to a stored-value-card authority; transmitting the parsed payment-instrument information to a payment authority;
receiving with the communications system a payment authorization from the payment authority in response to the transmission of the payment-instrument information to the payment authority;
receiving with the communications system from the stored-value-card authority a confirmation of the change in status of the stored-value card in records of the stored-value-card authority in response to the transmission of the identifier information to the stored-value-card authority; and
transmitting an approval for effecting the change in status of the stored-value card with the communications system to the point-of-sale terminal.
11. The computer-readable storage medium recited in claim 10 wherein the instructions of the computer-readable program are adapted for transmitting the identifier information to the stored-value-card authority after receiving the payment authorization from the payment authority.
12. A method for coordinating a change in status of a stored-value card for a customer, the method comprising:
receiving transaction information with a point-of-sale terminal, the transaction information including identifier information from the stored-value card and payment-instrument information identifying a payment instrument to be used for financing the change in status of the stored-value card;
transmitting the transaction information with the point-of-sale terminal to a host system, wherein: the transmitted transaction information is formatted to allow the host system to parse the identifier information and the payment-instrument information; the host system transmits the parsed identifier information to a stored-value-card authority; and the host system transmits the parsed payment-instrument information to a payment authority; and
receiving an approval for effecting the change in status of the stored-value card from the host system with the point-of-sale terminal, the approval comprising a payment authorization for use of the payment instrument generated by payment authority and a confirmation of the change in status of the stored-value card generated by the stored-value-card authority.
13. The method recited in claim 12 wherein the change in status of the stored-value card corresponds to an activation of the stored-value card.
14. The method recited in claim 12 wherein the change in status of the stored-value card corresponds to an augmentation in value associated with the stored-value card.
15. The method recited in claim 12 further comprising transmitting an instruction to print a receipt for the change in status of the stored-value card with the point-of-sale terminal.
16. The method recited in claim 12 wherein the identifier information further identifies an initial value associated with the stored-value card.
17. The method recited in claim 12 wherein receiving transaction information comprises reading a magnetic stripe comprised by the stored-value card.
18. The method recited in claim 12 wherein receiving transaction information comprises reading a magnetic stripe comprised by the payment instrument.
19. The method recited in claim 12 wherein the payment instrument comprises a credit card.
20. The method recited in claim 12 wherein the payment instrument comprises a debit card.
21. A point-of-sale terminal comprising:
an input device;
a communications system;
a processor in communication with the input device and the communications system; and
a memory coupled with the processor, the memory comprising a computer-readable storage medium having a computer-readable program embodied therein for directing operation of the point-of-sale terminal, the computer-readable program including:
instructions for generating transaction information formatted to allow a host system to parse the identifier information indentifying and read from a stored-value card and payment-instrument information to be used for financing the change in status of the stored-value card;
instructions for transmitting the transaction information with the communications system to the host system, wherein the host system parses and transmits the identifier information to the stored-value-card authority, and the host system parses and transmits the payment-instrument information to the payment authority;
instructions for transmitting the transaction information with the communications system to a host system; and
instructions for receiving approval for effecting the change in status of the stored-value card from the host system with the communications system, the approval comprising a payment authorization for use of the payment instrument generated by the payment authority and a confirmation of a change in status of the stored-value card generated by the stored-value-card authority.
22. The point-of-sale terminal recited in claim 21 further comprising a printer in communication with the processor, wherein the computer-readable program further includes instructions for printing a receipt for the change in status of the stored-value card.
23. The point-of-sale terminal recited in claim 21 further comprising a display in communication with the processor, wherein the computer-readable program further includes instructions for displaying acknowledgment of receipt of the approval.
24. The point-of-sale terminal recited in claim 21 wherein the input device comprises a magnetic-stripe reader.