Effecting financial transactions
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United States of America Patent
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Jun 1, 2010
Grant Date -
N/A
app pub date -
Sep 24, 2003
filing date -
Sep 27, 2002
priority date (Note) -
In Force
status (Latency Note)
Importance
Abstract
A financial account that represents value is maintained on behalf of an account holder. The financial account has a plurality of account identifiers that enable a party that presents a debit account identifier to effect a debit transaction in the account, or a party that presents a general account identifier to effect both debit and credit transactions in the account. A third party is permitted to effect a credit transaction in the account by presenting a credit identifier, which is an identifier different from the debit or general account identifiers. The credit identifier is insufficient to enable a third party to effect a debit transaction in the account.
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