SYSTEMS AND METHODS FOR MIMICKING POST-PAID USER EXPERIENCE WITH STORED-VALUE CARD ACCOUNTS
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United States of America Patent
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Oct 26, 2016
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Apr 9, 2004
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Systems and methods for using stored-value cards in a manner that mimics post-paid (credit) accounts. The systems and methods disclosed herein allow for the use of a stored-value card to make purchases without requiring the stored-value card to be loaded with funds prior to making a purchase. The systems and methods allow for an unfunded stored-value card to be issued to a consumer at the consumer's request and the funds to be loaded onto a stored-value card at the time of a purchase by the consumer.
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