Payments using pre-paid accounts
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United States of America Patent
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Jan 24, 2012
Grant Date -
Mar 18, 2010
app pub date -
Sep 15, 2009
filing date -
Feb 26, 2004
priority date (Note) -
In Force
status (Latency Note)
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Abstract
The present invention extends to methods, systems, and computer program products for payments using pre-paid accounts. Embodiments of the invention provide a single, universal payment method that cannot be physically stolen, that minimizes the risk of information theft, and which can be used to make both small and large payments. The universal payment method is more convenient, more efficient, and less expensive to use because it requires no exchange mechanism from one payment form to another. In addition, to the extent that prior-to-payment funds are controlled by the businesses to whom payment is to be made, the buying power is increased.
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