System and method for exchanging assets between user terminals in a communications network. Prepaid entertainment card and methods and systems for using prepaid entertainment card. Method and apparatus for detecting and investigating fraudulent transactions in debit and charge card activations. Secure method for Internet payment, uses prepaid card with serial number and multiple numbers covered by a coating which is scraped away, so user can send serial number and revealed number to make a payment.
System and method for distributing personal identification numbers over a computer network. Method and system for refilling mobile telephone prepaid phone cards via electronic distribution of refill codes. System and method for purchasing goods and services through financial data network access points. System and method for least cost routing and managing multiple gatekeepers on a packet switched network. Method and system for processing internet payments using the electronic funds transfer network.
USB2 en. System and method for facilitating a subsidiary card account with controlled spending capability. Systems and methods for automatically establishing merchant accounts for transaction card usage. System and method for conducting a refund transaction for a pin-activated account. Method and system for performing purchase and other transactions using tokens with multiple chips.
Systems and methods for managing multiple accounts on a rf transaction instrument. System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions. Systems and methods for providing a rf transaction device operable to store multiple distinct accounts. Systems and methods for providing a RF transaction device operable to store multiple distinct calling card accounts.
Methods and apparatus for a secure proximity integrated circuit card transactions. Systems and methods for providing a rf transaction device for use in a private label transaction. System and method for securing rf transactions using a radio frequency identification device including a random number generator.
Method and system for receiving digital content using a prepaid digital content card. Systems, methods, and devices for selling transaction instruments via web-based tool. Information processing apparatus and method, information processing system and medium. System and method for distributing an identifier redeemable for a plurality of products. Method and apparatus for receipt printing and information display in a personal identification number delivery system.
Systems, methods, and devices for combined credit card and stored value transaction accounts. Transaction processing platform for faciliating electronic distribution of plural prepaid services.
System and method for dispensing of a receipt reflecting prepaid phone services. System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance. Pre-paid telephone calling card having an associated pre-recorded personal greeting. Method and system for transacting a purchase using a credit card from the seller. System and method for payment using radio frequency identification in contact and contactless transactions.
Convergent communications system and method with a rule set for authorizing, debiting, settling and recharging a mobile commerce account. System and method for assigning a funding source for a radio frequency identification device. System and method for authenticating a RF transaction using a transaction account routing number. EPA2 en. Data structure, method and system for generating person-to-person, person-to-business, business-to-person, and business-to-business financial transactions.
System, method, and business method for settling micropayment transactions to a pre-paid instrument. System and method for card processing with automated payment of club, merchant, and service provider fees. Method for generating a plurality of unique secure numbers and card comprising such a number. System and method for securing sensitive information during completion of a transaction. Method for requesting and receiving an online payment through a payment enabler system.
USDS1 en. System, method, and business method for setting micropayment transaction to a pre-paid instrument. Systems and methods for charging an electric vehicle using broadband over powerlines. Systems and methods for charging an electric vehicle using a wireless communication link. Systems and methods for delivering energy to an electric vehicle with parking fee collection. System and method for electric vehicle charging and billing using a wireless vehicle communciation service.
System and method for granting promotional rewards to both customers and non-customers. Secure money transfer systems and methods using biometric keys associated therewith. Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia. System and method for generating an unpredictable number using a seeded algorithm.
Transfer account systems, computer program products, and associated computer-implemented methods. System, program product, and associated methods to autodraw for micro-credit attached to a prepaid card. Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products. System, program product, and associated methods to autodraw for micro-credit attached to prepaid card.
Computer-implemented methods, program product, and system to enhance banking terms over time. System and method for offering risk-based interest rates in a credit instutment. Private label promotion card system, program product, and associated computer-implemented methods.
System and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods. System, program product, and method for debit card and checking account autodraw. Shopping center gift card offer fulfillment machine, program product, and associated methods.
System, program product and methods for retail activation and reload associated with partial authorization transactions. System and method for facilitating a transaction using a revolving use account associated with a primary account.
System, program product, and computer-implemented method for loading a loan on an existing pre-paid card. Systems and methods for the payment of customer bills utilizing payment platform of biller. Method, apparatus and program to make payment in any currencies through a communication network system using pre-paid cards. System and method for granting promotional rewards to financial account holders.
System and method for securely authorizing and distributing stored-value card data. Methods, systems, and computer readable media for peer-to-peer third party distribution of gift cards and peer-to-peer transaction routing therefor. System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag.
Generation systems and methods for transaction identifiers having biometric keys associated therewith. Convergent communications platform and method for mobile and electronic commerce in a heterogeneous network environment.
Methods and apparatus for registering products with manufacturers at point of sale. Dual-function card with key card functionality and stored value card functionality. System and method for facilitating cash payment transactions using a mobile device. Computer-implemented methods, computer program products, and machines for management and control of a loyalty rewards network.
Mobile device applications, other applications and associated kiosk-based systems and methods for facilitating coin saving.
Person-to-person lending program product, system, and associated computer-implemented methods. System and method for using intelligent codes in conjunction with stored-value cards. System and method for using intelligent codes to add a stored-value card to an electronic wallet. USA1 en. Method for preventing unauthorized use of credit cards in remote payments and an optional supplemental-code card for use therein. This unit was removed from a truck stop that went out of business last month.
What you see in the pictures is what you will receive. Please see pictures to also verify this system powers up. I do not warranty or refund on electrical parts Posted with. You are bidding on the entire lot.
But will require extra shipping cost. We must charge sales tax to any buyer in Washington state. However due to the complexities involved, and our lack of knowledge on Ruby, we cannot guarantee every item in the lot works. We accept money order. Paypal preferred credit cards via paypall and business checks must clear before I ship Please contact me with any questions you have before the auction is over.
I leave positive feedback for all successful sales. There is no reserve, good luck and happy bidding. The system is shown and sold as is. Power supply included.
The system was tested. And is in working order. From the VeriFone website: A cornerstone of petroleum point-of-sale systems. Ruby is a model of reliability. Known for its uptime and complete integration, Ruby SuperSystem combines card processing, fuel dispensing, dispenser card reader control and cash register functions.
New software can be installed to suit your needs. The system is in very good working condition. I guarantee it is working or you can ship back within exact 7 days from the date you receive the item. Please don't bid unless you will pay.
Thank You Check out my other auctions Accept Paypal only. Please pay within 2 days. No inter national shipping. Unit was removed from service in good working condition. Travel store chain is replacing VeriFone Ruby systems. Up to 15 systems available. Some CPU5. Customer pays shipping. Use e-mail for Questions The system is shown and sold as is.
Power supply included. The system was tested. And is in working order. From the VeriFone website: A cornerstone of petroleum point-of-sale systems.
Ruby is a model of reliability. Known for its uptime and complete integration, Ruby SuperSystem combines card processing, fuel dispensing, dispenser card reader control and cash register functions. Please feel free to ask me any questions that you may have. Check out my other listings! I will offer a discount when you purchase more than one item.
Happy bidding! This does not include a power supply so this is untested. This is however in fair physical condition. There are no cables software or accessories included with this listing. Can be used for parts or may be repaired easily.
You might even plug it in and have it work fine with no issues but I do not know for sure. Ruby POS bought for enterprise development purposes. Never powered on. Selling as bought. Lightly used VeriFone Ruby cash register. This unit is clean and will come to you complete with display screen on pole.
If during a call the time remaining on the card is about to expire, the customer may be prompted through a voice over that only a certain amount of time e. When the designated time has expired, the call is automatically terminated.
Such systems have proved commercially successful and desirable for several reasons. Pre-paid calling card customers avoid collect and operator assistance surcharges, and they can obtain long distance calling without credit and without payment of monthly bills. The cards themselves are easy to use. While the prior art systems have proven advantageous, they have somewhat limited flexibility. The most significant drawback is the requirement that pre-paid calling cards be issued in fixed or preset amounts.
Also, once the time allotted to a particular calling card expires, the card is typically discarded, requiring the customer to carry multiple cards that can be stolen or lost.
Existing systems do not have the flexibility to allow the customers to purchase variable amounts of calling time or to recharge "used" cards at the retail site. There is thus a need for improved telephone pre-paid calling card systems that overcome these and other problems associated with the prior art.
It is an object of the present invention to provide a pre-paid card system that includes on-site activation of cards in varying amounts. It is still another object of the invention to provide a pre-paid card system and method that facilitates point-of-sale activation of cards using data terminals connectible to a host computer. It is yet another object of the present invention to provide a card system wherein on-site recharging is provided to enable a pre-paid card to be reactivated and re-used following expiration of all, part or none of an initial authorization amount.
It is a further object of the invention to provide a pre-paid card system having a plurality of data terminals remotely connectible to a host computer, each of the data terminals providing on-site point-of-sale activation and recharging of cards in varying amounts.
The host computer dynamically manages each of the authorized cards. It is still another object of the invention to provide a pre-paid card system wherein each authorized card has a security number associated therewith for enabling a host computer to track usage, rechargings, recharge locations and similar management information.
Preferably cards are authorized or re-authorized for variable amounts although "stale" cards, i. It is still a further object of the invention to provide a pre-paid card system wherein the host computer maintains a database of authorized cards, the database including detailed information about the authorization, recharge and use status of each card in the system.
In a preferred embodiment, a pre-paid calling card system enables customers to access a telephone network and obtain long distance telephone service.
The system includes four main functional components: a plurality of calling cards, a host computer, a plurality of activation terminals and a call processor. Each of the calling cards preferably includes a body portion and a read-only memory stripe having stored therein a security number. The card is typically formed of cardboard or plastic and may include the security number in cleartext under a suitable blackout. The main management and processing of the system is effected by the host computer, which is connectible to the telephone network.
The host includes a database for storing security numbers associated with authorized calling cards. The call processor is controlled by the host computer for interfacing one or more customers to the telephone network using the authorized calling cards. Preferably, each data terminal includes means such as a cardreader for reading a calling card to determine the security number stored in the read-only memory thereof, means such as a keypad for entering any monetary amount corresponding to an amount of call authorization associated with a particular calling card, means such as a modem for dialing the host computer to transfer the security number, the call authorization amount and the data terminal identification, and means such as a display for receiving and displaying a verification message from the host computer authorizing receipt of the monetary amount.
The data terminal allows for variable authorization and recharging of a calling card. When the cardreader cannot detect the security number stored in the memory which may occur, for example, when the card has been damaged and it is presented for recharging , the data terminal operator may enter the security number using the keypad to enable point-of-sale activation or recharging of the card.
This enables the system operator to reconcile all transactions. In an alternative embodiment of the present invention, a user may activate or recharge a pre-paid card with an authorized dollar amount at a user activation terminal. The pre-paid card may then be used to purchase various goods and services up to the authorized dollar amount. The pre-paid card and activation terminals function in the same manner as discussed above with respect to a calling card.
The activation terminals are interfaced with a main processor. The main processor includes a host computer responsible for management and processing of the system through a purchasing network. The host computer includes a data base for storing security numbers associated with authorized purchase cards and enables users to purchase goods and services up to authorized dollar amounts using the authorized pre-paid cards.
The foregoing has outlined some of the more pertinent objects of the present invention. These objects should be construed to be merely illustrative of some of the more prominent features and applications of the invention. Many other beneficial results can be attained by applying the disclosed invention in a different manner or modifying the invention as will be described.
Accordingly, other objects and a fuller understanding of the invention may be had by referring to the following Detailed Description of the preferred embodiment. For a more complete understanding of the present invention and the advantages thereof, reference should be made to the following Detailed Description taken in connection with the accompanying drawings in which:.
Similar reference characters refer to similar parts throughout the several views of the drawings. Referring now to the drawings, there is illustrated an exemplary pre-paid calling card system that enables customers to access a telephone network and obtain long distance telephone service. As seen in FIG. The card is typically formed of cardboard, paper or plastic and may include the security number in cleartext under a suitable user-removable scratch-off or other material 22 such as an opaque tape.
If desired, a smart card may be used to store the security number or other information, although preferably the system and method are implemented with so-called "dumb" or non-intelligent cards. The main management and processing of the system is effected by the host computer 12, which is connectible to the telephone network Although not meant to be limiting, preferably the host computer is a general purpose xtype personal computer running a multi-tasking operating system such as UNIX.
The host computer has sufficient storage associated therewith to enable a call record to be maintained for every authorized calling card in the system. The call record format will be described below. Each of the plurality of on-site activation terminals 14 is preferably a Model XL from Verifone, although other models may be used. A cardreader 28 includes a card-swipe slot 30 for receiving the calling card so that the memory stripe can be read.
The unit also preferably includes a keypad 32 with various alphanumeric and control keys, and a display The unit also includes a modem 36 shown in phantom for connecting the device over a telephone line to the host computer. The activation terminal also includes appropriate control circuitry for controlling the operation of the device. Each of the terminals 14 is preferably located at a point-of-sale location where the calling cards are sold to users. The calling cards themselves may be stored under the terminal 14 in any convenient fashion.
Generally, the data terminals are remote from the host computer and connectible thereto for transmitting data between the terminals and the host computer. As can be seen, each data terminal 14 includes means such as a cardreader for reading a calling card to determine the security number stored in the read-only memory thereof, means such as a keypad for entering any monetary amount corresponding to an amount of call authorization associated with a particular calling card, means such as a modem for connecting to the host computer to transfer the security number, the call authorization amount and the data terminal identification, and means such as a display for receiving and displaying a verification message from the host computer authorizing receipt of the monetary amount.
For example, the cardreader may be replaced or supplemented with an optical scanner to read a bar code or the like. When the cardreader cannot detect the security number stored in the memory which may occur, for example, when the card is presented for recharging , the data terminal operator may enter the security number using the keypad to enable point-of-sale activation or recharging of the card. Likewise, the keypad may be replaced or supplemented with a voice recognition card connected to a microphone for providing limited speaker-independent or speaker-dependent discrete or continuous voice recognition.
The communications link need not be made over a telephone line, but may be wireless, fiber optic or include any other well-known means for establishing a communications link between two locations. The display itself may be aural as opposed to visual.
The data terminals allow for point-of-sale variable authorization and recharging of calling cards. The call processor of FIG. In the preferred embodiment, the call processor includes dedicated hardware and software for interfacing each of the data terminals to the host computer and to the telephone network. The call processor includes a T1 interface card made by Mitel which provides an external interface for two digital T1 circuits.
In the system, one T1 circuit interfaces to the data terminals, and the other T1 circuit interfaces to the telephone network. The call processor also includes a number of call processing boards to playback voice files, record voice for other applications such as voice mail, recognize DTMF signalling, outdial DTMF on the outbound portions of each call, and monitor call progress. In operation, each call in the system is assigned a port.
Preferably, each call record established in the system includes a number of pieces of information: the calling card security number, the identity of the store at which the card was issued i. By keeping track of the data terminals at which a card is initially authorized and later recharged, the system operator can reconcile multiple data from different store locations. This enables the system operator to credit or charge store operators for recharging provided by other store operators in the system.
The operation of the system can now be described. Upon call connection, the user is prompted to enter "security code" from back of card. The host computer checks the database and gives the appropriate response such as "your balance is--minutes. If there is a balance, the computer prompts the user to enter the area code and number that the user desires to call.
The call is connected and if an answer is detected, the computer keeps track of the minutes used as the call proceeds.
If the balance reaches 2 minutes, the caller is warned with a "2 minutes left" message and likewise at 30 seconds. The following is a typical card activation or recharging scenario. The clerk then obtains the next calling card from the plurality of cards, and begins the activation process. This is achieved by pressing the "Sell New Card" key 1.
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