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
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Application No.: US12195818Application Date: 2008-08-21
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Publication No.: US08341048B2Publication Date: 2012-12-25
- Inventor: James Randall Beckers
- Applicant: James Randall Beckers
- Agency: Staas & Halsey LLP
- Main IPC: G06Q40/00
- IPC: G06Q40/00

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.
Public/Granted literature
- US20090063342A1 CHECK-CASHING/LOAN SYSTEM USING A VARIABLE AMOUNT ELECTRONIC FUNDS CARD Public/Granted day:2009-03-05
Information query