Intelligent transaction router and process for handling...

Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Including point of sale terminal or electronic cash register

Reexamination Certificate

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Details

C380S029000, C380S029000, C380S029000, C380S044000

Reexamination Certificate

active

07580859

ABSTRACT:
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.

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PCT International Search Report for International Application No. PCT/US04/27235, date of mailing May 20, 2005, 3 pages.

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