Prepaid card payment system and method for electronic commerce
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United States of America Patent
Stats
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Oct 19, 2004
Grant Date -
Nov 27, 2003
app pub date -
May 23, 2002
filing date -
May 23, 2002
priority date (Note) -
Expired
status (Latency Note)
Importance
Abstract
A prepaid card system enabling access to payment-based websites comprising one or more prepaid cards bearing a stored value and authentication codes; one or more cardholder computers communicating via the Internet with merchant websites; a 'middleman' server communicating via an intranet with merchants, prepaid card issuers and said merchants' banks; one or more searchable databases hosted on the middleman's server storing merchant registration information, card issuer information; one or more software applications to interpret the data sent by the middleman server for the identification and online deduction of the amount of value used in a transaction from a prepaid card; one or more software applications for reception and transmission of cardholder card data; and one or more software applications for transaction accounting and payment processing between merchants, card issuers, middleman and merchants' banks. A prepaid card payment method for electronic commerce is also disclosed and claimed.
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