Systems and methods for managing and using prepaid purchasing accounts
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United States of America Patent
Stats
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Oct 13, 2009
Grant Date -
Aug 10, 2006
app pub date -
Jan 18, 2006
filing date -
Feb 26, 2004
priority date (Note) -
In Force
status (Latency Note)
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Abstract
The present invention extends to managing prepaid purchasing accounts and depositing funds therein. A kiosk and management system are connected over a network. The management system maintains purchasing accounts usable for multiple product or service purchases. To make a deposit, the consumer enters credentials at the kiosk, the credentials identifying a purchasing account. The consumer selects a payment method for making the deposit. For one or more payment methods (e.g., electronic check payment), the consumer selects a method to guarantee the deposit. The consumer also enters a deposit amount which is verified. Cash payments may be verified by an automated cash acceptor or a retail attendant. Credit card or debit card payments may be accepted by a card authorization network. Embodiments of the system also include debiting the purchasing account by a purchase amount. In addition, the purchasing account can be managed to view prior deposits and purchases.
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