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.

Date of Patent:
May. 26, 2020

Filed:

Nov. 01, 2018
Applicant:

Raman Lakshmanan, Long Branch, NJ (US);

Inventor:

Raman Lakshmanan, Long Branch, NJ (US);

Assignee:

Other;

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/34 (2012.01); G06Q 20/20 (2012.01); G06Q 20/40 (2012.01); G06Q 20/26 (2012.01); G06F 16/24 (2019.01);
U.S. Cl.
CPC ...
G06Q 20/342 (2013.01); G06Q 20/202 (2013.01); G06Q 20/204 (2013.01); G06Q 20/26 (2013.01); G06Q 20/409 (2013.01); G06F 16/24 (2019.01);
Abstract

An example method of processing a transaction associated with a prepaid debit card includes: triggering, by an agent executing on a point-of-sale (POS) device, an alternative handling procedure for the transaction; sending, as part of the alternative handling procedure, the transaction from the POS device to a server; verifying the transaction at the server; sending, in response to the transaction satisfying the step of verifying: a request from the server to an issuing bank system to fund an account associated with the prepaid debit card; and an authorization from the server to the POS device; and triggering, by the agent executing on the POS device in response to the authorization, a nominal handling procedure for the transaction.


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