Systems, approaches and methods involving deferring debit payment for debit-card transactions
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United States of America Patent
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Dec 3, 2013
Grant Date -
Jan 7, 2010
app pub date -
Aug 7, 2009
filing date -
Jul 12, 2000
priority date (Note) -
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status (Latency Note)
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Abstract
A system and method for managing a financial institution account with a transaction card used as a deferred-debit transaction card and as an automated banking card wherein debit transactions are stored by a managing computer system for a billing cycle without being automatically debited against the account until after debit transaction activity. The card user can earn credit, or interest based on deferred debits. Also, in certain instances, a limited time period is provided relative to the billing cycle, for the user to provide funds as consideration for payment against the transaction card purchases without an automatic debiting of available funds as full consideration for payment against the deferred-debit purchases.
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