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:
Apr. 26, 2016
Filed:
Dec. 08, 2014
Iii Holdings 1, Llc, Wilmington, DE (US);
David S. Bonalle, New Rochelle, NY (US);
Emily A. Chong, New York, NY (US);
I-Hsin Chuang, Brooklyn, NY (US);
Lauren E. Dardick, New York, NY (US);
Jennifer A. Elwood, Chelsea Manor St, GB;
William J. Gray, Peoria, AZ (US);
David J. Wong, Oceanport, NJ (US);
III Holdings 1, LLC, Wilmington, DE (US);
Abstract
A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.