Back to results
US 2013/0159174 A1Published application
Systems, methods, and apparatus for enhancing and utilizing owed-value accounts
AssigneeWalker Digital, LLC
InventorsJay S. Walker, Jeffrey Y. Hayashida, Stephen C. Tulley, Russell P. Sammon, Zachary T. Smith, Renny S. Talianchich
Life of this patent
Estimating the term…
Abstract
Systems, methods, and apparatus for enhancing and utilizing owed-value accounts are provided, including, in accordance with some embodiments, automatically utilizing the remaining balance of an owed-value account to purchase a product or service on behalf of the owner of the owed-value account.
Claims19
A method, comprising:
- determining, by a controller device in communication with at least one user device via a network, at least one breakage condition defining when a pre-paid account balance is considered breakage;
- identifying, by the controller device and in a database of pre-paid accounts, a first account for which the at least one breakage condition is satisfied, the first account having a first breakage balance;
- identifying, by the controller device and in the database of pre-paid accounts, a second account for which the at least one breakage condition is satisfied, the second account having a second breakage balance;
- after identifying the first account and identifying the second account, establishing, by the controller device, a third breakage balance based on the first breakage balance of the first account and the second breakage balance of the second account;
- and
- transmitting, by the controller device via a user device, an indication of the third breakage balance to an entity associated with the first account and with the second account.
3 more elements
An apparatus, comprising:
- a processor;
- and
- a storage device in communication with the processor and storing a database of pre-paid accounts, and storing instructions that when executed by the processor result in:
- determining at least one breakage condition defining when a pre-paid account balance is considered breakage;
- identifying, in the database of pre-paid accounts, a first account for which the at least one breakage condition is satisfied, the first account having a first breakage balance;
- identifying, in the database of pre-paid accounts, a second account for which the at least one breakage condition is satisfied, the second account having a second breakage balance;
- after identifying the first account and identifying the second account, establishing a third breakage balance based on the first breakage balance of the first account and the second breakage balance of the second account;
- and
- transmitting, via a user device, to an entity associated with the first account and with the second account, an indication of the third breakage balance.
6 more elements
A memory device storing computer-readable instructions that when executed by a processor result in:
- determining, by a controller device in communication with at least one user device via a network, at least one breakage condition defining when a pre-paid account balance is considered breakage;
- identifying, by the controller device and in a database of pre-paid accounts, a first account for which the at least one breakage condition is satisfied, the first account having a first breakage balance;
- identifying, by the controller device and in the database of pre-paid accounts, a second account for which the at least one breakage condition is satisfied, the second account having a second breakage balance;
- after identifying the first account and identifying the second account, establishing, by the controller device, a third breakage balance based on the first breakage balance of the first account and the second breakage balance of the second account;
- and
- transmitting, by the controller device via a user device, an indication of the third breakage balance to an entity associated with the first account and with the second account.
3 more elements
Dependencies are inferred from the claim text.