Online Prepaid Gift Card Identification
OwnerSeung Hyo Leeinventor
Life of this patent
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Abstract
Methods and systems are provided for authorizing online purchase transactions made with non-reloadable prepaid cards, such as gift cards. An online purchase transaction using a non-reloadable prepaid card can be identified by performing a balance inquiry and an Address Verification System (AVS) inquiry. If the balance inquiry results in a positive balance and the AVS inquiry returns an indication that the billing address is not supported and/or that information is not available, then the card being authorized can be identified as the non-reloadable prepaid gift card.
Claims20
A system comprising:
- one or more memories storing information about a card;
- one or more hardware processors in communication with the one or more memories and operable to:
- receive a first communication including an indication of a desire of a user to perform a purchase transaction using the card;
- perform a balance inquiry for the card;
- perform an address inquiry for the card;
- determine, at least in part from the balance inquiry and the address inquiry, if the card is a non-reloadable prepaid card;
- send a second communication including an indication that the card is the non-reloadable prepaid card if the card is determined to be the non-reloadable prepaid card;
- and
- wherein the card is determined to be the non-reloadable prepaid card, at least in part, if the balance inquiry returns an indication that there is a positive balance and if the address inquiry returns an indication that the non-reloadable prepaid card is not supported or that information regarding the non-reloadable prepaid card is not available.
A method comprising:
- storing, in one or more memories, information about a card;
- receiving, via one or more hardware processors in communication with the one or more memories, a first communication including an indication of a desire of a user to perform a purchase transaction using the card;
- performing, via the one or more hardware processors, a balance inquiry for the card;
- performing, via the one or more hardware processors, an address inquiry for the card;
- determining, via the one or more hardware processors, at least in part from the balance inquiry and the address inquiry, if the card is a non-reloadable prepaid card;
- sending, via the one or more hardware processors, a second communication including an indication that the card is the non-reloadable prepaid card if the card is determined to be the non-reloadable prepaid card;
- and
- wherein the card is determined to be the non-reloadable prepaid card, at least in part, if the balance inquiry returns an indication that there is a positive balance and if the address inquiry returns an indication that the non-reloadable prepaid card is not supported or that information regarding the non-reloadable prepaid card is not available.
A computer program product comprising a non-transitory computer readable medium having computer readable and executable code for instructing one or more processors to perform a method, the method comprising:
- storing information about a card;
- receiving a first communication including an indication of a desire of a user to perform a purchase transaction using the card;
- performing a balance inquiry for the card;
- performing an address inquiry for the card;
- determining at least in part from the balance inquiry and the address inquiry, if the card is a non-reloadable prepaid card;
- sending a second communication including an indication that the card is the non-reloadable prepaid card if the card is determined to be the non-reloadable prepaid card;
- and
- wherein the card is determined to be the non-reloadable prepaid card, at least in part, if the balance inquiry returns an indication that there is a positive balance and if the address inquiry returns an indication that the non-reloadable prepaid card is not supported or that information regarding the non-reloadable prepaid card is not available.
Dependencies are inferred from the claim text.