UNDERBANKED AND UNBANKED METHOD AND MODULE
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United States of America Patent
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Issued Date -
Feb 21, 2013
app pub date -
Aug 17, 2012
filing date -
Aug 19, 2011
priority date (Note) -
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Abstract
An underbanked and unbanked method and module associated with a financial institution to effect generating cash funds from a check, loading these cash funds onto a general purpose reloadable prepaid card, and using these cash funds to facilitate cash to cash money transfers and bill payments for banking customers regardless of whether the customer is a deposit or non-deposit customer of the financial institution. The underbanked and unbanked module can include a check cashing module, a reloadable debit card system, a money remittance system and a bill payment system that are integrated with each other. The customer may use the funds dispensed from the underbanked and unbanked module to obtain cash, load a reloadable debit card, pay for purchases, pay bills, obtain a money order and/or to facilitate cash to cash money transfers.
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