Patent
System and method for using a prepaid card
| العنوان: | System and method for using a prepaid card |
|---|---|
| Patent Number: | 8,675,840 |
| تاريخ النشر: | March 18, 2014 |
| Appl. No: | 11/285843 |
| Application Filed: | November 23, 2005 |
| مستخلص: | A system and method for transferring money by use of a prepaid card account is disclosed wherein two cards are issued to the user accountholder, one of which is provided to another user, and either user may add value to the prepaid account so that the other user may use the card and that value in a financial transaction. |
| Inventors: | Risafi, Nicole N. (Stamford, CT, US); Hunter, Burnett D. (Elmsford, NY, US); McKenzie, Kevin (O'Fallon, MO, US); Wiggins, Janice (New Fairfield, CT, US); Stangle, Brian (New Fairfield, CT, US); Forte, Vincent (Morristown, NJ, US) |
| Assignees: | MasterCard International Incorporated (Purchase, NY, US) |
| Claim: | 1. A method for transferring money between two parties, each holding a prepaid card associated with the same account, comprising: a) issuing to a first party at least two prepaid cards sharing an associated prepaid card account, said account adapted to hold value representative of money transferable at least between said parties using said cards; b) sending at least one of said prepaid cards to a second party; c) adding value to said card account by one of the first party or second party using one of said prepaid cards in the possession of the party adding said value; d) using one of said prepaid cards in a card transaction by the party other than the one adding said value in step (c). |
| Claim: | 2. The method of claim 1 , in which the first party is the party adding value to said card account. |
| Claim: | 3. The method of claim 1 , in which the second party is the party adding value to the card account. |
| Claim: | 4. The method of claim 1 , in which the step of using one of the said prepaid cards in a card transaction includes purchasing a good or service using a prepaid card at a point-of-sale (POS) terminal. |
| Claim: | 5. The method of claim 1 , in which the step of using one of the said prepaid cards in a card transaction includes withdrawing cash from an ATM using a prepaid card. |
| Claim: | 6. The method of claim 1 , in which the step of using one of the said prepaid cards in a card transaction includes withdrawing cash from a money transfer agent using a prepaid card. |
| Current U.S. Class: | 3791/142 |
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| Primary Examiner: | Tran, Quoc D |
| Attorney, Agent or Firm: | Baker Botts LLP |
| رقم الانضمام: | edspgr.08675840 |
| قاعدة البيانات: | USPTO Patent Grants |
| الوصف غير متاح. |