Systems and methods for managing and using prepaid...

Details Systems and methods for managing and using prepaid... Systems and methods for managing and using prepaid...

2006-01-18

2009-10-13

Labaze, Edwyn (Department: 2887)

Registers

Coded record sensors

Guides

C235S375000, C235S379000, C235S380000, C705S069000, C705S077000

Reexamination Certificate

active

07600692

ABSTRACT:
The present invention extends to managing prepaid purchasing accounts and depositing funds therein. A kiosk and management system are connected over a network. The management system maintains purchasing accounts usable for multiple product or service purchases. To make a deposit, the consumer enters credentials at the kiosk, the credentials identifying a purchasing account. The consumer selects a payment method for making the deposit. For one or more payment methods (e.g., electronic check payment), the consumer selects a method to guarantee the deposit. The consumer also enters a deposit amount which is verified. Cash payments may be verified by an automated cash acceptor or a retail attendant. Credit card or debit card payments may be accepted by a card authorization network. Embodiments of the system also include debiting the purchasing account by a purchase amount. In addition, the purchasing account can be managed to view prior deposits and purchases.

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