Methods and apparatus for regenerating a prepaid transaction acc

Details Methods and apparatus for regenerating a prepaid transaction acc Methods and apparatus for regenerating a prepaid transaction acc

1996-12-06

1999-11-23

MacDonald, Allen R.

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Finance

705 39, 705 40, G06F 1760

Patent

active

059917482

ABSTRACT:
An improved system for "regenerating" or adding funds to a prepaid, remote memory account. The system includes a service provider network or host computer system including an account database of prepaid accounts. An integrated transaction card is issued to a consumer. One side of the card shows a prepaid telephone card for accessing the host computer system and an authorization code that allows access to the account database. The other side of the integrated transaction card is a transaction instrument, such as a prepaid transaction card, credit card, debit card, or the like. Information relating to the transaction instrument is stored at the host system so that a consumer may transfer funds from the transaction instrument to the prepaid phone card without the host system having to prompt the consumer for the necessary transfer information.

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