US 2003/0222152 A1Published application

Pre-paid debit & credit card

OwnerGeorge E.S. Boley JR.inventor

Life of this patent

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Abstract

A financial apparatus is disclosed. The financial apparatus would be a pre-paid debit and credit card that would have many “smart card” features incorporated into it. Included in the apparatus would be a read-only memory (ROM), random access memory (RAM), electronically erasable and programmable read-only memory (EEPROM), a clock, and input-output. A typical smart card might have an 8-bit operating at 5 megahertz, 256 to 1024 bytes of RAM, 6 to 24 kilobytes of ROM, 1 to 16 kilobytes of EEPROM, and perhaps an on-chip encryption module.

Claims17

Dependent claims

A prepaid debt and charge apparatus comprising:

(a) a card having two surfaces, a front surface and a rear surface, the card having a rectangular shape, the card having two ends, a left end and a right end, the card having two sides, a top side and a bottom side, the card having four corners comprising an upper right corner, an upper left corner, a lower right corner, and a lower left corner,
(b) a charge card logo attached to the front surface of the card in the lower right corner of the card,
(c) a type logo attached to the front surface of the card in the upper right corner of the card,
(d) a word located within the type logo to indicate the type of card,
(e) a “smart card logo” attached to the front surface of the card in the upper left corner of the card,
(f) the letters “MEC” attached to the front surface of the card in the center of the card,
(g) the words “MONEY EXPRESS CARD” placed below the placement of the letters “MEC” on the front surface of the card,
(h) a magnetic stripe located on the rear surface of the card,
(i) a signature line located on the rear surface of the card for signature by an individual,
(j) a plurality of smart card features incorporated into the magnetic stripe on the rear surface of the card,
(k) wherein an individual could purchase a prepaid debt and charge apparatus with a specific limit as chosen by an individual.

8 more elements

Dependencies are inferred from the claim text.

Facts

Application: 10/447,536Filed 28 May 2003
Priority: 28 May 2002
Published: 4 Dec 2003
Term ends: Not estimatedThe source records don’t support an estimate.

Classification7 codes

G06Q 20/342
Using cards, e.g. integrated circuit [IC] cards or magnetic cards: cards defining paid or billed services or quantities
G06K 19/06187
Characterised by the kind of the digital marking, e.g. shape, nature, code: with magnetically detectable marking
G06K 19/10
Using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical…:…
G07F 7/025
By keys or other credit registering devices: by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of…

Family

Application60/383,707Us provisional application · filed 28 May 2002
US 2003/0222152 A1This patent

From the US filing history. Foreign family members aren’t listed.

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Abstract

Facts

Application

10/447,536Filed 28 May 2003

Priority

28 May 2002

Published

4 Dec 2003

Term ends

Not estimatedThe source records don’t support an estimate.

Classification7 codes

G06Q 20/342
Using cards, e.g. integrated circuit [IC] cards or magnetic cards: cards defining paid or billed services or quantities
G06K 19/06187
Characterised by the kind of the digital marking, e.g. shape, nature, code: with magnetically detectable marking
G06K 19/10
Using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical…:…
G07F 7/025
By keys or other credit registering devices: by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of…