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US 2003/0212796 A1Published application
Loadable debit card system and method
AssigneeWow! Technologies, Inc.
InventorRick L. Willard
Life of this patent
Estimating the term…
Abstract
The present invention allows a customer to load money in real-time through existing technology over the existing ATM/debit network by way of a debit return with a PIN (or debit correction/reversal using a specific transaction code). Money may then be loaded in real-time on an anonymous stored value/debit/ATM/multi-purpose/private transaction PIN-based card. Loading of money on a card or cards with or without the same account numbers is also provided for.
Claims9
A computer implemented method of real-time anonymous loading and activating a loadable debit card account, the method comprising:
- obtaining a card load request comprising merchant security information, a loadable debit card account identifier and a load amount from a point of sale device;
- verifying said merchant security information at a card managing server;
- if said merchant security information is verified, updating the loadable debit card account with said load amount;
- after updating the loadable debit card account, obtaining an activation request comprising activation information and a new card PIN;
- verifying said activation information;
- and
- if said activation information is verified, activating the loadable debit card account.
4 more elements
Dependencies are inferred from the claim text.