SYSTEM AND METHOD FOR ELECTRONIC PREPAID ACCOUNT REPLENISHMENT

Title:

SYSTEM AND METHOD FOR ELECTRONIC PREPAID ACCOUNT REPLENISHMENT

Document Type and Number:

WIPO Patent Application WO2004107280

Kind Code:

A3

Abstract:

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.

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Inventors:

PASCHINI MILES (US)
ROSE MARSHALL (US)

Application Number:

PCT/US2004/015658

Publication Date:

August 18, 2005

Filing Date:

May 17, 2004

Export Citation:

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Assignee:

EWI HOLDINGS INC (US)
PASCHINI MILES (US)
ROSE MARSHALL (US)

International Classes:

G06Q20/00; G07F7/08; G07F7/10; H04M17/00; (IPC1-7): G06F17/60; G06K5/00

Foreign References:

US20010001321A1	2001-05-17
US20020152124A1	2002-10-17
US6064990A	2000-05-16
US5945653A	1999-08-31

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