Reload protocol at a transaction processing entity

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United States of America Patent

PATENT NO 9454752
SERIAL NO

10318432

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Abstract

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A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which retrieves a value for satisfying the transaction request from a fob associated transaction data file. The issuer system may deplete the transaction data file in accordance with the transaction request and replenish the data file in accordance with fob user or fob issuer defined reload protocol.

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Patent Owner(s)

Patent OwnerAddress
LIBERTY PEAK VENTURES LLC1400 PRESTON ROAD SUITE 482 PLANO TX 75201

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Berardi, Michael J Lauderhill, US 21 1918
Bliman, Michal Matawan, US 17 2060
Bonalle, David New Rochelle, US 17 603
Elwood, Jennifer Anne New York, US 11 1136
Hood, Matthew C Wayne, US 12 1138
Isenberg, Susan E New York, US 15 1579
Mayers, Alexandra Brooklyn, US 10 1052
Perry, Trevor J West Jordan, US 9 548
Saunders, Peter D Salt Lake City, US 148 12464
Scheding, Kathryn D New York, US 9 1050
Shah, Sejal Ajit New York, US 10 1052
VonWald, Kristin L South Jordan, US 6 583
Williamson, John R Jersey City, US 25 1580

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