Prepaid chip card exception processing

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United States of America Patent

PATENT NO 9390406
APP PUB NO 20090265260A1
SERIAL NO

12428190

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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A portable consumer device may have money stored therein, which can be calculated using an accumulator record and an exception record. The accumulator record can be incremented by the amount of any initiated transaction using the portable consumer device. The exception record can be incremented by the amount of any completed transaction using the portable consumer device. The portable consumer device may also have a limit amount, to record the amount of money added. The records allow for a later reconstruction of the device history, and can account for any errors or problems during transactions.

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First Claim

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Patent Owner(s)

Patent OwnerAddress
VISA INTERNATIONAL SERVICE ASSOCIATIONP O BOX 8999 SAN FRANCISCO CA 94128

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Aabye, Christian Foster City, US 135 6078
Wilson, David William Surrey, GB 32 711

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Jan 12, 2024
11.5 Year Payment $7400.00 $3700.00 $1850.00 Jan 12, 2028
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Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00