The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Sep. 11, 2018
Filed:
Dec. 19, 2011
Andrew D. Radlow, Orinda, CA (US);
Eran Hollander, Wallinfield, PA (US);
Andrew D. Radlow, Orinda, CA (US);
Eran Hollander, Wallinfield, PA (US);
Citicorp Credit Services, Inc. (USA), Long Island City, NY (US);
Abstract
The methods and systems described herein attempt to provide a card where a consumer can reload the card with additional funds at a point of sale whereby no new or additional hardware is needed, the consumer can have access to the funds immediately, and the consumer does not need to perform any additional steps beyond conducting the transaction at a point of sale. In one embodiment, a method of reloading a prepaid card comprises receiving a prepaid card; receiving information transmitted from the prepaid card; receiving an amount to credit to the prepaid card; generating a request for the credit to the prepaid card, wherein the request comprises an account number of the prepaid card and an indicator in a discretionary field, wherein the indicator provides an instruction to credit the account number with the amount; transmitting the request to an acquirer for verification by the issuer the of the prepaid card; and receiving authorization to credit the prepaid card with the requested amount, wherein the prepaid card is credited with the requested amount at the point of sale terminal.