Invention Grant
US08341048B2 Check-cashing/loan system using a variable amount electronic funds card 有权
使用可变数量的电子资金卡的支票兑现/贷款系统

  • Patent Title: Check-cashing/loan system using a variable amount electronic funds card
  • Patent Title (中): 使用可变数量的电子资金卡的支票兑现/贷款系统
  • Application No.: US12195818
    Application Date: 2008-08-21
  • Publication No.: US08341048B2
    Publication Date: 2012-12-25
  • Inventor: James Randall Beckers
  • Applicant: James Randall Beckers
  • Agency: Staas & Halsey LLP
  • Main IPC: G06Q40/00
  • IPC: G06Q40/00
Check-cashing/loan system using a variable amount electronic funds card
Abstract:
A rechargeable and disposable electronic funds (cash card) issued by a non-financial facility, such as a check cashing facility, a payday loan facility or a short term loan facility, is disclosed where the card substitutes for the cash and is labeled in the name of a bank type financial institution with which the non-financial facility has a relationship. The card can be charged with a variable amount on money. When used at a store for a purchase it can act like a debit card but need not have a name of the holder associated with (or embossed on) it like a gift card, so the user can remain anonymous. The card can be upgraded to a rechargeable or debit/credit card. The card can draw on an account or sub account of the check cashing service or of the bank.
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