US 11,055,686 B2
S/M for providing, reloading, and redeeming stored value cards used in transit applications
Phillip Graves, Atlanta, GA (US); Merrill Brooks Smith, Ft. Lauderdale, FL (US); Phil M Chakiris, Atlanta, GA (US); and Michael Parlotto, Playa Vista, CA (US)
Assigned to E2INTERACTIVE, INC., Atlanta, GA (US)
Filed by Phillip Graves, Atlanta, GA (US); Merrill Brooks Smith, Ft. Lauderdale, FL (US); Phil M Chakiris, Atlanta, GA (US); and Michael Parlotto, Playa Vista, CA (US)
Filed on Aug. 5, 2013, as Appl. No. 13/959,379.
Claims priority of provisional application 61/680,802, filed on Aug. 8, 2012.
Prior Publication US 2014/0046737 A1, Feb. 13, 2014
Int. Cl. G06Q 20/28 (2012.01); G06Q 20/20 (2012.01); G06Q 20/34 (2012.01); G06Q 20/06 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/28 (2013.01) [G06Q 20/0655 (2013.01); G06Q 20/20 (2013.01); G06Q 20/342 (2013.01); G06Q 20/349 (2013.01); G06Q 20/352 (2013.01); G06Q 20/354 (2013.01); G06Q 20/4037 (2013.01)] 12 Claims
OG exemplary drawing
 
1. A method of conducting a transit use card transaction, the method conducted amongst a central processor comprising an account associated with a transit use card and a data store comprising a status of the account, a point of sale (POS), and one or more transit system payment devices, the method comprising:
adding value to the transit use card using a separate transit reload card, the separate transit reload card being associated with an account accessible by the transit use card and usable only to add value to the account but being incapable of accessing and using funds in the account, the funds accessible by the transit use card, the separate transit reload card comprising an identifying indicia, such that a POS is configured to receive the identifying indicia of the transit reload card during a reload transaction;
activating the transit use card and the transit reload card using an indicia disposed on packaging, the packaging containing the transit use card and transit reload card together;
receiving by the central processor from the transit system payment device an indicia including information identifying the transit use card at an entrance to a particular transit device of a particular transit type, the transit use card being used to pay value for any fare, toll, or any other sort of transit charge from the account;
preauthorizing use of the card by determining by the transit system payment device whether the indicia is valid for the transit use card transaction for the particular transit type of the transit device based on factors including the status of the account, wherein the status of the account includes whether or not the amount of value associated with the account is over a minimum threshold established that would allow for the purchase of at least some goods or services from the particular type of the transit device;
if the transit system payment device determines that the status of the account is not authorized for transit use card transaction for the particular transit type of the transit device, denying the transaction and preventing a customer of the transit use card from entering the transit device;
if the transit system payment device determines that the indicia is valid for the transit use card transaction for the particular transit type of the transit device, admitting the customer of the transit use card to the transit device;
determining by the central processor whether value associated with the account is greater than or equal to the amount requested by a fee redemption request for the transit use card transaction from the transit system payment device;
if the value associated with the account is less than the amount requested by the fee redemption request, communicating a denial of the fee redemption request to the requesting transit system payment device;
if the value associated with the account is greater than or equal to the amount requested by the fee redemption request:
communicating approval of the fee redemption request to the requesting transit system payment device;
deducting the amount of the fee redemption request from the account.