267 results about "Telephone card" patented technology

The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA®, MASTERCARD®, AMERICAN EXPRESS®, or DISCOVER®. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.

A system for generating and transmitting summary transaction data includes a computer database from which information is compiled and forwarded to a requesting party automatically, i.e., without the need to interface with a human operator. A party having access to a prepaid transaction account number may access the host computer from a remote location and interactively request transaction information pertaining to the account using virtually any communication modality. The computer is suitably configured to communicate with one or more of the foregoing communication modalities and to automatically compile and transmit the summary data to a requested destination, for example, to a PC. The computer may further be configured to allow the requesting party to select among various formats to configure the form of the summary data. Summary transaction data may be generated and transmitted for virtually any type of prepaid transaction card, including phone cards, travel, credit cards, stored value (e.g., smart cards) cards, and the like.

The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA®, MASTERCARD®, AMERICAN EXPRESS®, or DISCOVER®. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.

An improved prepaid telephone card system is provided wherein a system center communicates to a calling party in the language spoken by the calling party. The system includes a system center which comprises an account database of prepaid accounts and a language library containing voice prompts and instructions in various languages. When the system center and the calling party are connected, the system center prompts the calling party in a plurality of languages to enter an account code; receives the account code from the calling party and determines if the account code is valid; accesses a database corresponding to the account code to determine if the calling party has previously set up a preferred language; presents to the calling party a plurality of languages available for selection as the preferred language; inputs from the calling party a selection of the preferred language and records the selection in the database; prompts the calling party, in the preferred language, for a destination telephone number of a desired party; and connects the calling party to the desired party.

The present invention includes a prepaid telephone calling card for use by the visually impaired. A braille printer is configured to print a wallet-sized, plastic prepaid telephone calling card having one or more information fields printed in braille. A first information field printed in braille corresponds to an access number through which an individual can access a host computer for completing prepaid telephone calls. A second field printed in braille corresponds to a unique account code associated with the prepaid card. Various other information fields may also be printed in braille on the card, as desired. The information fields may also be printed in very large type face to facilitate reading by individuals who are not blind, yet substantially visually impaired.

A method of exchanging payment information in an electronic transaction includes a first electronic transaction device transferring payment information to a second electronic transaction device, the second electronic transaction device transferring value information to the first electronic transaction device, and the second electronic transaction device transferring value information and payment information to a service consolidation center. A retailer electronic transaction device may transfer a virtual stored value card to a customer's electronic transaction device.A method of tracking retail sales of pre-paid telephone cards to cash subscribers includes entering value purchased information and subscriber information in a retailer electronic transaction device, the retailer electronic transaction device transferring the value purchased information and subscriber information to a mobile operator, and the mobile operator adding value corresponding to the value purchased information to an account corresponding to the subscriber information.

The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those to purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA®, MASTERCARD®, AMERICAN EXPRESS®, or DISCOVER®. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.

A wireless communications system providing interactive voice response is disclosed. The system is menu-driven, and can accept information and requests from customers. In response to one type of request, the system can provide the customer with information regarding locations where pre-paid calling cards can be purchased. The system also includes provisions that provide customers with locations that are close to or within a ZIP code entered by the customer. Customers can also retrieve multiple locations.

The invention is directed to methods of and apparatus for storing, retrieving and updating information on an information card or calling card. The card is made of traditional materials with at least a first surface reserved for traditional print and / or graphics. A second surface of the card contains computer readable storage media permanently affixed to the card. In another embodiment the card may be made from plastic materials and include an RFID tag as the electronic storage media. The storage media contains an electronic version of the printed text from the first surface of the card and other information. Information stored on the computer readable storage media can be read from the card using a magnetic reader or other card reader. Updated information card data may stored on a remote computer and accessed by card-recipients via the Internet. The information cards may be used in various systems including use as emergency tags, residential information tags, vehicle tags, and retail tags.

A user purchases a card and uses it to make pre-paid telephone calls via a telephone service provider system associated with the issuer of the card. After the account balance on the card is depleted, the user can present the card to a merchant or other party for redemption in the manner of a discount coupon for products or services.

A transaction router and corresponding process that enables the point-of-sale activation (POSA) of POSA type devices, such as POSA pre-paid gift cards, debit cards, telephone cards and cellular replenishment cards, while utilizing a standard credit card swipe terminal (reader). The transaction router, during use, receives the output of the reader and allows standard credit and debit card transactions to pass to the financial transaction processing entity that is called by the reader, to allow the financial transaction to be carried out. If the card or device being read by the reader is a POSA type device to be activated, then the router routes the communication initiated by the reader to another processing entity capable of activating the POSA device. The reader is unaware of the existence of the router and operates in its ordinary manner, whether standard credit and debit cards are being processed, or whether a POSA card or other POSA device is being activated. Increasing the value of a previously activated POSA card also may be carried out.

A system and method for electronic purchase of prepaid telephone services is provided. An initiating terminal receives input of a customer's request to purchase a specified amount of prepaid telephone services and receives input of the customer's designation of a financial account from which to electronically debit the price of such purchase. A central terminal receives these inputs from the initiating terminal, obtains authorization for the request, and transmits data to the initiating terminal for the initiating terminal to, in turn, print on a receipt and provide to the customer. This receipt is then used instead of a telephone card to obtain telephone services up to the specified amount. Such receipt may also detail instructions and an authorization number, such as a personal identification number or PIN, to initiate the pre-paid telephone service. The system and method of the present invention also preferably transfers the funds from the appropriate demand or credit account to pay for the purchased telephone services. An additional, separate Regulation E-type receipt is preferably also printed reflecting the financial transaction.

CONTROL CARD CHECK is a pocket size system and a method for auditing personal accounts. It is an individual module that operates on a digital level. This invention is for bank account and credit card information inspecting only. This technology system provides access to your bank and credit card information instantaneously, without having to log onto the Internet, drive to your bank (ATM), or call a service bank agent. This system will allow you to check your current balance on any account card you own, excluding gas cards, retail cards, and phone cards, just by inserting the card into the card reader. The design of the pocket electro mechanism is slightly larger than your account card with a magnet strip-card reader embedded to the back of the instrument. In seconds, see your balance by entering your four-digit security pin number on the touch screen. On the menu screen you will have four options to choose from. 1. Current balance. 2. Daily transactions. 3. Weekly transactions. 4. Payment information and Due date. (Bank payment address & phone numbers). Ideal for any situation

A method and apparatus for storing and retrieving voicemail with a calling card is presented. A calling card is implemented with at least two personal identification numbers (PINs). A calling-card platform prompts a calling-card user to enter a PIN number. If a first PIN number is entered, options are presented that enable the calling-card user to record a voice message greeting, record a voicemail, retrieve a voicemail left by a caller, complete a call, or access account information. If a second PIN number is entered, the call is switched to a voice-messaging platform. At the voice-messaging platform, the calling-card user is prompted to record a voicemail message for the calling-card owner.

The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA®, MASTERCARD®, AMERICAN EXRESS®, or DISCOVER®. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.

Method and system for refilling mobile terminal prepaid phone cards via electronic distribution of refill codes. Refill codes for prepaid phone cards are distributed to end users via a prepaid phone card distributor, which contracts with mobile phone operators and prepaid phone card retailers to distribute refill codes. End users enter identification and payment information to the refill code distributor, which then records the payment and returns a refill code to the end users. End users can purchase refill codes by mediums including a computer network and refill terminals located at retail shops.

The present invention relates to method for revaluing a phone card by way of an electronic commerce terminal system. The method comprise the steps of: communicating transaction data from the phone card to a universal server, with the universal server retrieving further user identification from a database based on a dynamic identification interchange within the universal server; evaluating the validity of the transaction data at the universal server; processing the transaction data and the first form and / or the further form of the user identification information; identifying the at least one user account; requesting and transferring funds either between a first one of the at least one user account and a second one of the at least one user account or between the at least one user account and the phone card to increase the value of the phone card, based on the dynamic identification interchange within the universal server.

A card may include a generally planar panel and a plurality of opposing retaining members disposed on the panel. The plurality of opposing retaining members may be arranged to retain a substantially rectangular transaction card having a first longitudinal axis in a first orientation with respect to the panel and to retain a substantially rectangular paper gift having a second longitudinal axis in a second orientation with respect to the panel, so that the orientation of the first longitudinal axis is substantially transverse to the second orientation of the second longitudinal axis. The paper gift may be, for example, paper monetary currency, a paper bank check, or a paper gift certificate. The transaction card may be, for example, a debit card, a credit card, a gift card, a prepaid phone card, a card containing a merchandise credit usable at a retail establishment.

A method, system and computer program product for enabling completion of purchase transactions by retrieving purchase card information from an electronic database of consumer cards and applying the appropriate card to the transaction. The database, managed by a central card authority, stores client account information for cards such as debit, credit, phone, and discount cards, which are accessible via a unique, secure login / access credential, such as a username and password combination. During registration with the central card authority, a client classifies key / important factors to consider when performing purchases. The central card authority is accessed by the client during purchases from a retail facility and / or other purchasing environment. The central card authority automatically selects the best card to utilize during a purchase, after weighing the important purchasing factors related to the credit, debit, phone, and discount cards registered with the central card authority.

A system including a cellular phone or a telephone card having, pre-registered therein, the identification number of a connection telephone company and a user ID, a store processing terminal unit handling it, a point-of-sale POS terminal, and a management host computer of the telephone company, wherein these are connected through a communication line. A merchandise information of the cellular phone that is transacted, etc., is sent to, and stored in, the host computer. When a call is made using the cellular phone, or the like, the host computer carries out reduction processing of a prepaid telephone charge depending upon a call rate on the basis of the stored merchandise information of the cellular phone, or the like. When the cellular phone or the telephone card is used, telephone charges can be paid in a store handling such a cellular phone, or the like.< / PTEXT>

A transaction router and corresponding process that enables the point-of-sale activation (POSA) of POSA type devices, such as POSA pre-paid gift cards, debit cards, telephone cards and cellular replenishment cards, while utilizing a standard credit card swipe terminal (reader). The transaction router, during use, receives the output of the reader and allows standard credit and debit card transactions to pass to the financial transaction processing entity that is called by the reader, to allow the financial transaction to be carried out. If the card or device being read by the reader is a POSA type device to be activated, then the router routes the communication initiated by the reader to another processing entity capable of activating the POSA device. The reader is unaware of the existence of the router and operates in its ordinary manner, whether standard credit and debit cards are being processed, or whether a POSA card or other POSA device is being activated. Increasing the value of a previously activated POSA card also may be carried out.

A system and method for electronic purchase of prepaid telephone services is provided. An initiating terminal receives input of a customer's request to purchase a specified amount of prepaid telephone services and receives input of the customer's designation of a financial account from which to electronically debit the price of such purchase. A central terminal receives these inputs from the initiating terminal, obtains authorization for the request, and transmits data to the initiating terminal for the initiating terminal to, in turn, print on a receipt and provide to the customer. This receipt is then used instead of a telephone card to obtain telephone services up to the specified amount. Such receipt may also detail instructions and an authorization number, such as a personal identification number or PIN, to initiate the pre-paid telephone service. The system and method of the present invention also preferably transfers the funds from the appropriate demand or credit account to pay for the purchased telephone services. An additional, separate Regulation E-type receipt is preferably also printed reflecting the financial transaction.

A product registration system and method is disclosed that automatically registers a product with a manufacturer. In the product registration system, a point of sale system obtains a communication code that is associated with a product and transfers the communication code to a code processing system. Examples of the communication code include a phone card code or a pre-paid phone card code. The code processing system processes the communication code to determine manufacturer information for the product. The code processing system transfers a product registration request to a manufacturer registration system based on the manufacturer information to register the product with the manufacturer. The code processing system also transfers the communication code and a communication code activation request to a communication code activation system to activate the communication code. The product registration system advantageously automates product registration and communication code activation.

The gaming system with phone card payout is a system for playing a video game using a smart card. A dispensing station includes a smart card reader, a bill acceptor and a phone card dispenser. The bill acceptor reads the monetary value of currency inserted in the machine and stores the monetary value on a smart card. The stored monetary value can be used to either purchase prepaid phone cards at the dispensing station or to play video games at an establishment hosting the dispensing station. The video games at the establishment are equipped with smart card readers. Logic in the video games verifies that the smart card monetary value was purchased at the hosting establishment and accepts the monetary value from a verified smart card for playing the video game. Video game credits accumulated on the game may be transferred back to the smart card.

A non-rectangular or asymmetrically shaped credit card or phone card with an associated case or holder. The card has a configuration that complements the configuration of the case so that the card is easily removed from the holder for access, yet is maintained inside the case in a covered position and is protected from abuse. The case is designed to be light-weight and easily carried and to serve as a device to carry the card in a safe and convenient manner outside of a wallet or purse. Alternatively, the card may be in an I-shape or square shape configuration.

This method and apparatus may activate removable or portable media devices (or accounts associated therewith), such as flash drives, USB drives, external hard drives, thumb drives, memory cards of various formats (SD, CF, xD, Memory Card Duo), SIM cards, other phone cards, or other devices containing a writable and / or readable memory. The devices may be activated after purchase based on a communication between a central processor and a device or device user. Further, this method and apparatus may activate an account related to a media device at a point-of-sale (“POS”), and may later activate the device by communicating with an account activation processor. Activation and deactivation of the device (or account) may further be based on a confirmation or cancellation of a purchase transaction associated with the device, such as a purchase of the device.

A novel virtual calling card system and method aid in the formation of online relationships, serving as an introduction tool and as a contact mechanism. The calling card is an exchangeable entity that is automatically updated, ensuring that the recipient or viewer sees the most current version of the card. The card may display an aspect ratio that is the same as that of a traditional business card, and has a front side and a reverse side. Furthermore, the card provides a number of avenues for the card owner to express themselves, including an array of affiliation symbols, a most recent mood symbol, and a text field. The reverse side of the card can display a representation of the owner's social network, so that the recipients of the card may identify common friends and associates. Thus, the server-based card exchange appears to users as an exchange in the physical world.