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:
Aug. 25, 2020

Filed:

Aug. 26, 2011
Applicant:

Kellie D. Harper, Alpine, UT (US);

Inventor:

Kellie D. Harper, Alpine, UT (US);

Assignee:

BLACKHAWK NETWORK, INC., Pleasanton, CA (US);

Attorneys:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 40/04 (2012.01); G06Q 20/34 (2012.01); G06Q 40/02 (2012.01); G06Q 20/28 (2012.01); G06Q 30/02 (2012.01); G06Q 20/10 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/34 (2013.01); G06Q 20/10 (2013.01); G06Q 20/28 (2013.01); G06Q 20/349 (2013.01); G06Q 20/3572 (2013.01); G06Q 30/0207 (2013.01); G06Q 40/02 (2013.01); G06Q 40/025 (2013.01);
Abstract

A financial account system includes a stored-value card, a first financial account directly accessible via the stored-value card and a second financial account associated with the first financial account. Funds may be transferred between the first and the second financial account. The transfers between the first and the second financial account may be automatic, recurring, or one-time events and wherein the automatic, recurring, or one-time events may be transacted regardless of a current balance of the first financial account and/or the second financial account. The balances associated with the first and/or the second financial accounts may be used to collateralize loans.


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