Patent ID: 8744957
Filing Date: 2014-06-03
Classification: G06Q

Abstract:
1. A system for allowing online purchases with a prepaid card, the system comprising: a computer implemented infrastructure comprising: a prepaid technology module, a customer care module, a payment gateway, and a digital settlement network; the prepaid technology module for receiving information related to a purchased pre-paid card, the prepaid technology module storing a number associated with the purchased pre-paid card, wherein the prepaid card is purchased at a retailer; a user interface for receiving an online purchase request, directly from a consumer, the online purchase request identifying a particular product requested for purchase using the purchased pre-paid card; the payment gateway for interfacing with the prepaid technology module and the user interface and for storing information related to products offered by a content provider; the digital settlement network for receiving the online purchase request from the consumer through the payment gateway in communication with the user interface, the digital settlement network further for authenticating the purchased pre-paid card based on predetermined business rules associated with the online purchase request and determining the online purchase request is of a type that is permitted to be purchased using the purchased pre-paid card; the customer care module for allowing the consumer to access information related to the purchased pre-paid card; and a portal for allowing the consumer to access a website of the content provider; wherein the prepaid technology module, the user interface, the payment gateway, and the digital settlement network are part of the computer implemented infrastructure separate from the content provider and the retailer; wherein the payment gateway comprises a product catalog for storing product information associated with the content provider and a commerce router for interfacing between the website of the content provider and the payment gateway; wherein the portal interfaces with the digital settlement network and the website of the content provider has access to the digital settlement network; wherein the purchased pre-paid card is not associated with the retailer; wherein the purchased pre-paid card is usable only with the content provider website.