Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Including point of sale terminal or electronic cash register
Reexamination Certificate
2009-04-02
2011-11-22
Gart, Matthew (Department: 3687)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Including point of sale terminal or electronic cash register
C705S037000, C705S038000, C705S040000, C705S035000
Reexamination Certificate
active
08065187
ABSTRACT:
A consumer is prequalified for a line of credit attached to a prepaid card by a lending institution. The lending institution computer makes available draws to the line of credit line in an authorization stream for a proposed purchase using the prepaid card as payment. When the line of credit is accessed, the prepaid card is loaded with an additional value equal to one or more preselected loan increments so that the prepaid card then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed purchase. Next, a new value for the line of credit balance available is determined, accounting for value loaded onto the prepaid card and a preselected loan advance fee for each loan increment loaded onto the prepaid card.
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Ahlers Rebecca
Crowe Andrew B.
Galit Scott H.
Sorbe Trent
Bracewell & Giuliani LLP
Gart Matthew
Goyea Olusegun
Metabank
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