Amazon Technologies, Inc.

Mary Katherine Bowman

Rohit Jain

Alexander L Rouse

Ajay Bhutani

Kevin Terry Burkhart

Stephen A Jasper

Richard D Hunt

Matthew W Hall

Kurt Harold Zumwalt

Payment of non-settlement currencies includes developing a non-settlement currency exchange separate from a financial institution unwilling to assume risks in converting non-settlement currencies. The non-settlement currency exchange includes a predictive model to provide an estimated currency exchange rate. Schemes are provided where a merchant may share currency exchange profit and/or currency exchange losses with a financial institution. The exchange rate may be persisted in subsequent related financial transactions such as a refund, a chargeback, and/or a representment.

Paying non-settlement transactions

Technologies are described herein for making the value in an online-stored value account accessible through a prepaid debit card. A payment services provider may offer general-purpose reloadable ('GPR') cards to customers that are co-managed by the payment services provider and a traditional prepaid program manager. An integration is implemented between the payment services provider system hosting the online stored-value account and the program manager system such that the balance of the funds maintained for the online stored-value account may be used for purchases made using the GPR card.

Coupling prepaid debit cards to online stored-value accounts

Growing community of inventors

Seattle, WA, United States of America

Mary Katherine Bowman