Invention Grant
- Patent Title: Prepaid card budgeting
- Patent Title (中): 预付卡预算
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Application No.: US13157135Application Date: 2011-06-09
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Publication No.: US08600882B2Publication Date: 2013-12-03
- Inventor: Kimberly Belle Summerrow , Jeffrey Norman Healy
- Applicant: Kimberly Belle Summerrow , Jeffrey Norman Healy
- Applicant Address: US NC Charlotte
- Assignee: Bank of America Corporation
- Current Assignee: Bank of America Corporation
- Current Assignee Address: US NC Charlotte
- Agency: Moore & Van Allen PLLC
- Agent Michael A. Springs; Esther F. Queen
- Main IPC: G06Q40/00
- IPC: G06Q40/00

Abstract:
In general terms, embodiments of the present invention relate to methods and apparatuses for providing one or more prepaid cards, prepaid card accounts, and/or prepaid card account services. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction includes a transaction machine, a prepaid card account, and a holder of the prepaid card account; (b) determining, based at least partially on the transaction information, that the transaction involves the prepaid card account; (c) determining that the prepaid card account has a budget category; (d) determining, based at least partially on the transaction information, that the transaction applies to the budget category; (e) determining that the budget category has a spending threshold; (f) determining, based at least partially on the transaction information, that the spending threshold will be (or has been) met as a result of the transaction; and (g) sending an alert to the holder based at least partially on the determining that the spending threshold will be (or has been) met.
Public/Granted literature
- US20120239564A1 PREPAID CARD BUDGETING Public/Granted day:2012-09-20
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