Prepaid account and card

Details Prepaid account and card Prepaid account and card

2005-06-30

2008-03-04

Le, Thien M. (Department: 2876)

Registers

Systems controlled by data bearing records

C235S379000, C235S380000, C235S381000, C705S035000, C705S039000

Reexamination Certificate

active

07337947

ABSTRACT:
A transaction card with a prepaid amount for spending is disclosed. The card may be funded through direct deposit, savings accounts, or any other source, for instance, specified by an individual setting up the transaction card. The card may be reloaded or reissued with more money on a periodic basis, for example, to control spending per period. Balances remaining on the card at the end of the period may be returned into a savings account or other accounts, as may be specified by the individual who set up the card or other authorized persons. The card may be set up to include a protection against overdraft, for instance, the card user may be allowed to spend ten percent more than the amount prepaid on the card.

REFERENCES:
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patent: 5819234 (1998-10-01), Slavin et al.
patent: 5969316 (1999-10-01), Greer et al.
patent: 5991748 (1999-11-01), Taskett
patent: 2002/0022966 (2002-02-01), Horgan
patent: 2002/0161705 (2002-10-01), Khan et al.
patent: 2002/0174016 (2002-11-01), Cuervo
patent: 2003/0105711 (2003-06-01), O'Neil
patent: 2003/0208439 (2003-11-01), Rast
patent: 2003/0208445 (2003-11-01), Complano
patent: 2004/0093303 (2004-05-01), Picciallo
patent: 2004/0211830 (2004-10-01), Algiene
patent: 2005/0125317 (2005-06-01), Winkelman et al.

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