IP Library Granted Patent US 11,900,360
Granted Patent B2
US 11,900,360 · App. 17/328,268 · Granted Feb 13, 2024

System and method for using intelligent codes to add a stored-value card to an electronic wallet

Inventor: Tomas Ariel Campos (Berkeley, CA)
Assignee: Blackhawk Network, Inc.
G06Q20/36G06Q20/355G06Q20/3572G06Q20/3672
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Quick Facts
Patent No.
US 11,900,360
App. No.
17/328,268
Granted
Feb 13, 2024
Kind
B2
Abstract

A method comprises receiving a request to add a stored-value card to an electronic wallet via interpreting an intelligent code which directs a user to a URL for an electronic wallet website; prompting a user for credentials to enter the electronic wallet website; determining whether the stored-value card already exists in the electronic wallet; and adding the stored-value card to the electronic wallet. A system comprises a computer device to receive a request to add a stored-value card to an electronic wallet via interpreting an intelligent code which directs a user to a URL for an electronic wallet website; to prompt a user for credentials to enter the electronic wallet website, to determine possession of the stored-value card, to determine whether the stored-value card already exists in the electronic wallet, and to add the stored-value card to the electronic wallet.

Claims (49)

1. A method performed by an e-wallet provider computer device having a processor and executable instructions stored on a non-transitory computer readable medium which, when executed by the processor, causes the e-wallet provider computer device to perform the method, the method comprising:

receiving a request to add a closed loop stored-value card to an electronic wallet, wherein the electronic wallet is stored in a database of an e-wallet provider, wherein the request is facilitated by interpreting an intelligent code by a user device, wherein interpreting the intelligent code by the user device directs a user to an electronic wallet website, wherein the user device provides stored-value card information to the electronic wallet website, and wherein the stored value card information comprises a security key for the closed loop stored-value card;

storing the intelligent code information in a shopping cart;

prompting the use for credentials to enter the electronic wallet website;

determining whether the closed loop stored-value card already exists in the electronic wallet;

communicating information, via a network connection to a merchant and to a closed loop stored-value card processor, concerning activation of the closed loop stored-value card and to determine a balance of the closed loop stored-value card, wherein the closed loop stored value card processor is not an owner of the electronic wallet.

2. The method of claim 1 , further comprising:

determining possession of the stored-value card.

3. The method of claim 2 , wherein determining possession of the stored-value card comprises:

requesting a PIN for the stored-value card;

receiving an entered PIN; and

determining the entered PIN is valid.

4. The method of claim 1 , further comprising;

displaying a balance for the stored-value card.

5. The method of claim 1 , further comprising:

displaying at least a portion of a card number associated with the stored-value card.

6. The method of claim 1 , further comprising:

prompting the user for a call to action, wherein the call to action comprises adding value to the stored-value card, viewing available offers or coupons, viewing the electronic wallet, or combinations thereof.

7. The method of claim 1 , further comprising:

facilitating activation of the stored-value card.

8. The method of claim 1 , further comprising:

receiving a purchase verification for the stored-value cad.

9. The method of claim 1 , wherein the credentials comprise a login and a password.

10. The method of claim 1 , wherein the intelligent code comprises at least one of a barcode; a QR code; an arrangement of numerals, letters, symbols, images, and/or colors; an electromagnetic signal; a mechanical wave; or combinations thereof.

11. The method of claim 1 , wherein the electronic wallet website is associated with a URL and wherein the URL comprises a retailer identifier, a card number, a PIN, or combinations thereof.

12. The method of claim 1 , wherein the request to add a stored-value card to the electronic wallet is received by scanning of the intelligent code on a physical card.

13. The method of claim 1 , further comprising confirming activation of the closed loop stored-value card.

14. The method of claim 1 , further comprising adding the closed loop stored-value card to the electronic wallet.

15. A system comprising an e-wallet provider computer device having a processor unit and executable instructions stored on a non-transitory computer readable medium which, when executed by the processor unit, causes:

the e-wallet provider computer device having the processor unit to receive a request to add a closed loop stored-value card to an electronic wallet, wherein the electronic wallet is stored in a database of an e-wallet provider, wherein the request is facilitated by interpreting an intelligent code by a user device, wherein interpreting the intelligent code by the user device directs a user to an electronic wallet website, wherein the user device provides stored-value card information to the electronic wallet website, and wherein the stored-value card information comprises a security key for the closed loop stored-value card;

the e-wallet provider computer device having the processor unit to prompt a user for credentials to enter the electronic wallet website;

the e-wallet provider computer device having the processor unit to determine whether the stored-value card already exists in the electronic wallet;

the e-wallet provider computer device having the processor unit to communicate information, via a network connection to a merchant and to a closed loop stored-value card processor, concerning activation of the closed loop stored-value card and to determine a balance of the closed loop store-value card, wherein the closed loop stored-value card processor is not an owner of the electronic wallet.

16. The system of claim 15 , wherein the processor unit further causes the e-wallet provider computer device having the processor unit to determine possession of the closed loop stored-value card.

17. The system of claim 15 , the e-wallet provider computer device having the processor unit to determine possession of the stored-value card by:

requesting a PIN or the stored-value card;

receiving an entered PIN; and

determining the entered PIN is valid.

18. The system of claim 15 , the e-wallet provider computer device having the processor unit to provide a display able balance for the stored-value card after ownership is verified.

19. The system of claim 15 , the e-wallet provider computer device having the processor unit to provide at least a portion of a card number associated with the stored-value card.

20. The system of claim 15 , the e-wallet provider computer device having the processor unit to prompt the user for a call to action, wherein the call to action comprises adding value to the stored-value card, viewing available offers or coupons, viewing the electronic wallet, or combinations thereof.

21. The system of claim 15 , further comprising the e-wallet provider computer device facilitating activation of the stored-value card.

22. The system of claim 15 , the e-wallet provider computer device having the processor unit to receive a purchase verification for the stored-value card.

23. The system of claim 15 , wherein the credentials comprise a login and a password.

24. The system of claim 15 , wherein the intelligent code comprises at least one of a barcode; a QR code; an arrangement of numerals, letters, symbols, images, and/or colors; an electromagnetic signal; a mechanical wave; or combinations thereof.

25. The system of claim 15 , wherein the electronic wallet website is associated with a URL and wherein the URL comprises a retailer identifier, a card number, a PIN, or a combination thereof.

26. The system of claim 15 , wherein the request to add a stored-value card to the electronic wallet is received by a scanning of the intelligent code on a physical card.

27. The system of claim 15 , wherein the processor unit further causes the e-wallet provider computer device having the processor unit to confirm activation of the stored-value card.

28. The system of claim 15 , wherein the processor unit further causes the e-wallet provider computer device having the processor unit to add the store-value card to the electronic wallet.

Assignments (2)
FIRST LIEN SECURITY AGREEMENT Recorded Jun 22, 2022
From: BLACKHAWK NETWORK, INC.; EWI HOLDINGS, INC.
To: BANK OF AMERICA, N.A.
Reel/Frame 060401/0347 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded May 24, 2021
From: CAMPOS, TOMAS ARIEL
To: BLACKHAWK NETWORK, INC.
Reel/Frame 056330/0153 →