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:
May. 06, 2014
Filed:
Jun. 09, 2011
John B. Prather, Las Vegas, NV (US);
Will W. Graylin, Saugus, MA (US);
David M. Weiss, Las Vegas, NV (US);
Stephen L. Warner, Zephyr Cove, NV (US);
George J. Akmon, Southlake, TX (US);
Ronald L. Bishop, Reno, NV (US);
John B. Prather, Las Vegas, NV (US);
Will W. Graylin, Saugus, MA (US);
David M. Weiss, Las Vegas, NV (US);
Stephen L. Warner, Zephyr Cove, NV (US);
George J. Akmon, Southlake, TX (US);
Ronald L. Bishop, Reno, NV (US);
Automated Cash Systems, LLC, Zephyr Cove, NV (US);
Abstract
An electronic fund transfer (EFT) system for managing and transferring electronic funds from a user's financial account to a credit system includes a credit system configured to dispense credit to a user via physical or electronic credit means, an electronic fund transfer (EFT) device, a secure payment gateway configured to connect to the user's financial accounts via a financial asynchronous transfer mode (ATM) network, a host system connected to the credit system via a local network, a funds management portal connected to the host system and the secure payment gateway, and means for transferring electronic funds from the user's financial account to the credit system via the secure payment gateway. The funds management portal accounts and reconciles the transferred electronic funds. All communications between the secure payment gateway and the host system pass through the funds management portal. The EFT device includes a secure client-side application for receiving instructions from the user for transferring electronic funds from the user's financial account to the credit system and means for transmitting the fund transfer instructions to the user's financial account. The EFT device is configured to connect to the secure payment gateway and to communicate with the user's financial account and to transmit the instructions for transferring electronic funds from the user's financial account to the credit system via the secure payment gateway.