Registers – Systems controlled by data bearing records – Credit or identification card systems
Reexamination Certificate
2006-06-30
2010-11-23
Le, Thien M (Department: 2887)
Registers
Systems controlled by data bearing records
Credit or identification card systems
C235S382000
Reexamination Certificate
active
07837100
ABSTRACT:
A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.
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Bonalle David S.
Chong Emily A.
Chuang I-Hsin
Dardick Lauren E.
Elwood Jennifer A.
American Express Travel Related Services Company Inc.
Le Thien M
Snell & Wilmer L.L.P.
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