US 12,380,428 B2
Stored-value card management method and system
Thomas J. Sullivan, Poland, OH (US); and J. Simmons Graves, Pittsburgh, PA (US)
Assigned to Blackhawk Network, Inc., Pleasanton, CA (US)
Filed by Blackhawk Network, Inc., Pleasanton, CA (US)
Filed on Jul. 28, 2022, as Appl. No. 17/875,792.
Application 17/875,792 is a continuation of application No. 17/101,384, filed on Nov. 23, 2020, granted, now 11,429,954.
Application 17/101,384 is a continuation of application No. 16/284,184, filed on Feb. 25, 2019, granted, now 10,872,331, issued on Dec. 22, 2020.
Application 16/284,184 is a continuation of application No. 15/616,182, filed on Jun. 7, 2017, granted, now 10,217,106, issued on Feb. 26, 2019.
Application 15/616,182 is a continuation of application No. 14/627,764, filed on Feb. 20, 2015, granted, now 9,691,063, issued on Jun. 27, 2017.
Application 14/627,764 is a continuation of application No. 14/144,291, filed on Dec. 30, 2013, granted, now 8,998,081, issued on Apr. 7, 2015.
Application 14/144,291 is a continuation of application No. 13/833,920, filed on Mar. 15, 2013, granted, now 8,622,291, issued on Jan. 7, 2014.
Application 13/833,920 is a continuation of application No. 13/588,052, filed on Aug. 17, 2012, abandoned.
Application 13/588,052 is a continuation of application No. 12/284,194, filed on Sep. 19, 2008, granted, now 8,245,910, issued on Aug. 21, 2012.
Claims priority of provisional application 60/994,509, filed on Sep. 20, 2007.
Prior Publication US 2022/0366399 A1, Nov. 17, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/20 (2012.01); G06Q 20/28 (2012.01); G06Q 20/34 (2012.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01); G06Q 30/02 (2023.01); G06Q 30/0226 (2023.01); G06Q 30/06 (2023.01)
CPC G06Q 20/342 (2013.01) [G06Q 20/20 (2013.01); G06Q 20/28 (2013.01); G06Q 20/343 (2013.01); G06Q 20/3433 (2013.01); G06Q 20/351 (2013.01); G06Q 20/363 (2013.01); G06Q 20/40 (2013.01); G06Q 20/4018 (2013.01); G06Q 30/02 (2013.01); G06Q 30/0226 (2013.01); G06Q 30/06 (2013.01)] 19 Claims
OG exemplary drawing
 
1. A system for universal management of multiple unaffiliated stored-value card processing networks, each network including a stored-value card processor connected to a stored-value card database, and multiple respective merchant communication interface devices for communication by respective merchants with said processors, said universal management system comprising:
a universal central processor communicating with a universal value-card cardholder information database managed by said universal central processor, with potential or existing stored-value cardholders or holder benefactors, and with said stored-value card processing networks, said universal central processor programmed for activating and issuing stored-value cards through said unaffiliated stored-value card processors to said cardholders or holder benefactors via communication gateways, and managing the stored-value card transactions and activities through said stored-value card processors with universal reporting to respective merchants and cardholders.