Credit and prepaid financial card

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 8600871
SERIAL NO

12048398

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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A financial card is issued to a user that is set to behave like a prepaid card as the card can only have a positive balance, and funds may be added to this balance to be spent. At any time, the user may change the financial card to behave like a credit card, thereby allowing spending on credit. Alternatively, the financial card may be issued as a credit card and may be changed to a prepaid card. The financial card has a single account number, regardless of whether it is set to behave like a prepaid card or a credit card, and regardless of whether it is switched from one operating mode to another.

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First Claim

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Patent Owner(s)

  • UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Armstrong, Stephen Daniel San Antonio, US 1 3
Tavares, Felicia Ann San Antonio, US 3 38

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