Ewi Holdings, Inc.

Prodea Systems, Inc.

Blackhawk Network, Inc.

Cardpool, Inc.

Marshall Rose

Miles Paschini

Darren New

Patrick K Hazel

Roni Dolev Tamari

Larry Herbinaux

George A Cowgill

Amir Ansari

Atousa Raissyan

Jude P Ramayya

Ramprakash Masina

Alvin R McQuarters

Leon E Nicholls

Robert Clavenna

A method for crediting a customer account maintained by a vendor of services in response to payment received from a customer is disclosed herein. The method includes issuing, to the customer, a membership account number associated with at least the customer account. A membership account number and a payment corresponding to a requested amount of a service offered by the vendor are received from the customer at a point-of-sale. The method further includes generating, at the point-of-sale, an authorization message including at least the membership account number and embedded transaction information identifying the service offered by the vendor and the requested amount. The embedded transaction information is then communicated from the point-of-sale to a database server. The customer account is credited, in response to the embedded transaction information, based upon an amount of the payment. The method also includes electronically transferring funds based upon the amount of the payment from a first account associated with the point-of-sale to a second account associated with the vendor.

System and method for electronic prepaid account replenishment

The present invention comprises a system and method for managing an inventory of PINs in a PIN distribution network. The distribution network includes a hub coupled to a one or more servers and each of the servers is coupled to at least one client terminal. The system includes a hub for dynamically allocating PINs of the inventory among the servers so as to substantially maintain a quantity of PINs at each server at a desired level for each server. Additionally, the hub acquires additional PINs in response to at least one PIN in the inventory being distributed to at least one user from at least one of the client terminals. In variations, the hub maintains centralized databases and synchronizes the centralized databases with corresponding databases at each server.

System and method for distributing personal identification numbers over a computer network

A transaction processing platform capable of facilitating the distribution to consumers of various types of prepaid products is disclosed. The transaction processing platform is configured to interface with one or more providers of such prepaid products in order to facilitate the procurement or activation of the products. The platform includes a conduit interface through which service request messages are received and respectively utilized to generate transaction requests for corresponding types of prepaid services. A supply interface arrangement, operatively coupled to the conduit interface, is configured to route a first of the transaction requests through a first supply interface associated with a first type of prepaid service. The supply interface arrangement also routes a second transaction request through a second supply interface associated with a second type of prepaid service. The platform is also configured to provide supplier response information received through the supply interfaces to the conduit interface.

Transaction processing platform for facilitating electronic distribution of plural prepaid services

The present invention comprises a system and method for providing a personal identification number (PIN) to a client terminal over a computer network. In accordance with one aspect of the present invention, a host connection manager receives a request for a PIN, which is associated with a particular monetary value. The host connection manager transmits the request for the PIN to a server, and the host connection manager receives the PIN from the server. In addition, the host connection manager is adapted to receive a client request indicative of the particular monetary value. The client request is generated at the client terminal and is transmitted from the client terminal to the host connection manager. In response to the client request, the host connection manager sends the PIN associated with the particular monetary value to the client terminal.

Systems and methods for obtaining a personal identification number (PIN) from a client terminal are disclosed. A method includes storing, at the client terminal, PINs for plural prepaid services. The method also includes receiving, at the client terminal, a request for a PIN associated with a desired prepaid service corresponding to one of the plural prepaid services. A PIN request is then sent, from the client terminal, to a server when less than a predefined number of PINs associated with the desired prepaid service are stored at the client terminal. In response, one or more PINs associated with the desired prepaid service are received at the client terminal. The method further includes dispensing at least one PIN corresponding to the desired prepaid service from the client terminal.

Systems and methods for personal identification number distribution and delivery

Growing community of inventors

Sacramento, CA, United States of America

Marshall Rose