Unit-based prepaid presentation instrument accounts and methods

Details Unit-based prepaid presentation instrument accounts and methods Unit-based prepaid presentation instrument accounts and methods

2007-06-18

2010-10-12

Trammell, James P (Department: 3694)

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

Automated electrical financial or business practice or...

Finance

C705S040000

Reexamination Certificate

active

07813982

ABSTRACT:
Methods and/or systems for providing preauthorization and transaction settlement for a transaction using a prepaid unit-based presentation instrument are disclosed, wherein the presentation instrument includes a unit balance. The method may include receiving a preauthorization request that includes a price-per-unit and a preauthorization amount. The methods and/or systems may then determine whether the unit balance is sufficient to cover the preauthorization amount. If the unit balance is sufficient to cover the preauthorization amount, the presentation instrument is authorized for the transaction. If the unit balance is insufficient to cover the preauthorization amount, a currency balance is determined from the unit balance and the price-per-unit, authorizing the presentation instrument for a transaction up to the currency balance and sending an indication that the currency balance is authorized for the transaction.

REFERENCES:
patent: 3599151 (1971-08-01), Harr
patent: 3833395 (1974-09-01), Gosnell
patent: 4321672 (1982-03-01), Braun et al.
patent: 4562340 (1985-12-01), Tateisi et al.
patent: 4562341 (1985-12-01), Ohmae et al.
patent: 4630200 (1986-12-01), Ohmae et al.
patent: 4678895 (1987-07-01), Tateisi et al.
patent: 4722554 (1988-02-01), Pettit
patent: 4812628 (1989-03-01), Boston et al.
patent: 4902881 (1990-02-01), Janku
patent: 4961142 (1990-10-01), Elliott et al.
patent: 5053607 (1991-10-01), Carlson et al.
patent: 5119293 (1992-06-01), Hammond
patent: 5175682 (1992-12-01), Higashiyama et al.
patent: 5220501 (1993-06-01), Lawlor et al.
patent: 5233167 (1993-08-01), Markman et al.
patent: 5367452 (1994-11-01), Gallery et al.
patent: 5408077 (1995-04-01), Campo et al.
patent: 5426594 (1995-06-01), Wright et al.
patent: 5464971 (1995-11-01), Sutcliffe et al.
patent: 5484988 (1996-01-01), Hills et al.
patent: 5491325 (1996-02-01), Huang et al.
patent: 5504677 (1996-04-01), Pollin
patent: 5510979 (1996-04-01), Moderi et al.
patent: 5555496 (1996-09-01), Tackbary et al.
patent: 5577109 (1996-11-01), Stimson et al.
patent: 5622388 (1997-04-01), Alcordo
patent: 5650604 (1997-07-01), Marcous et al.
patent: 5657201 (1997-08-01), Kochis
patent: 5677955 (1997-10-01), Doggett et al.
patent: 5679940 (1997-10-01), Templeton et al.
patent: 5699528 (1997-12-01), Hogan
patent: 5757917 (1998-05-01), Rose et al.
patent: 5794207 (1998-08-01), Walker et al.
patent: 5815657 (1998-09-01), Williams et al.
patent: 5825617 (1998-10-01), Kochis et al.
patent: 5826241 (1998-10-01), Stein et al.
patent: 5828875 (1998-10-01), Halvarsson et al.
patent: 5832463 (1998-11-01), Funk
patent: 5878211 (1999-03-01), Delagrange et al.
patent: 5893080 (1999-04-01), McGuri et al.
patent: 5910988 (1999-06-01), Ballard
patent: 5949044 (1999-09-01), Walker et al.
patent: 5960412 (1999-09-01), Tackbary et al.
patent: 5987426 (1999-11-01), Goodwin, III
patent: 6029150 (2000-02-01), Kravitz
patent: 6030000 (2000-02-01), Diamond
patent: 6032133 (2000-02-01), Hilt et al.
patent: 6032137 (2000-02-01), Ballard
patent: 6039245 (2000-03-01), Symonds et al.
patent: 6058417 (2000-05-01), Hess et al.
patent: 6064990 (2000-05-01), Goldsmith
patent: 6070798 (2000-06-01), Nethery
patent: 6097834 (2000-08-01), Krouse et al.
patent: 6106020 (2000-08-01), Leef et al.
patent: 6119106 (2000-09-01), Mersky et al.
patent: 6122625 (2000-09-01), Rosen
patent: 6149056 (2000-11-01), Stinson et al.
patent: 6164528 (2000-12-01), Hills et al.
patent: 6175823 (2001-01-01), Van Dusen
patent: 6193152 (2001-02-01), Fernando et al.
patent: 6199761 (2001-03-01), Drexler
patent: 6246996 (2001-06-01), Stein et al.
patent: 6305604 (2001-10-01), Ono
patent: 6308887 (2001-10-01), Korman et al.
patent: 6321984 (2001-11-01), McCall et al.
patent: 6327570 (2001-12-01), Stevens
patent: 6327575 (2001-12-01), Katz
patent: 6360254 (2002-03-01), Linden et al.
patent: 6367693 (2002-04-01), Novogrod
patent: 6484936 (2002-11-01), Nicoll et al.
patent: 6539363 (2003-03-01), Allgeier et al.
patent: 6547132 (2003-04-01), Templeton et al.
patent: 6549119 (2003-04-01), Turner
patent: 6827260 (2004-12-01), Stoutenburg et al.
patent: 6886742 (2005-05-01), Stoutenburg et al.
patent: 7086584 (2006-08-01), Stoutenburg et al.
patent: 2001/0049651 (2001-12-01), Selleck
patent: 2001/0051876 (2001-12-01), Seigel et al.
patent: 2002/0153414 (2002-10-01), Stoutenburg et al.
patent: 2003/0097321 (2003-05-01), Arikawa et al.
patent: 2003/0197060 (2003-10-01), Coyner
patent: 2004/0098326 (2004-05-01), James et al.
patent: 0 481 135 (1992-04-01), None
patent: 0 949 596 (1999-10-01), None
patent: 1 077 436 (2001-02-01), None
patent: WO 00/46725 (2000-08-01), None
patent: WO 00/67177 (2000-11-01), None
patent: WO 01/04816 (2001-01-01), None
patent: WO 02/05195 (2002-01-01), None
Business Wire, “E-Commerce, Email and E-Greeting Cards Combine in New Web Site Designed by Interactive Bureau, Flooz.com Features a Fun Online Gift Currency You Send by Email for Any Occasion,” 2 pages, Sep. 14, 1999.
Confinity, Inc., “How PayPal.com Works,” http://www.paypal.com/cgi-bin/webscr?cmd=paypal-works, 2 pages, 2000.
dotBank by Arthas Corp., “The Way to Send and Receive Money on the Internet,” http://www.dotbank.com, 7 pages, 1999.
Idealab, “payme.com,” https://ssl.idealab.com, 7 pages, downloaded on Feb. 16, 2000.
PR Newswire, GiftSpot.com Simplifies Gift-Giving on the Internet, 5 pages, Oct. 20, 1999.
U.S. Appl. No. 10/984,354, Office Action, 9 pages, Jul. 9, 2007.
Verifone Finance, “Tranz 300—Fast, Low-Cost Transaction Automation At the Point of Service,” http://web.archive.org/web/19990219180438/http://www.vfi-finance.com/tranz330.htm, 3 pages, Jan. 1999.
X.com, “Do More With Your Money,” http://www.x.com, 5 pages, downloaded on Feb. 7, 2000.
International Search Report and Written Opinion of the International Search Authority, dated Nov. 1, 2007, corresponding to PCT International Application No. PCT/US06/43490, filed Nov. 7, 2006.

Affiliated with

Also associated with

Rating

Unit-based prepaid presentation instrument accounts and methods does not yet have a rating. At this time, there are no reviews or comments for this patent.

If you have personal experience with Unit-based prepaid presentation instrument accounts and methods, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Unit-based prepaid presentation instrument accounts and methods will most certainly appreciate the feedback.

Rate now

Comments { 0 }

Profile ID: LFUS-PAI-O-4237395