PREPAID VIRTUAL CARD

• US 20120191517A1
• Filed: 12/15/2011
• Published: 07/26/2012
• Est. Priority Date: 12/15/2010
• Status: Abandoned Application

• Current Assignee: Jeffrey William Tomey, Mack Paul Jr. Daffin
• Original Assignee: Jeffrey William Tomey, Mack Paul Jr. Daffin
• Inventors: Daffin, Mack Paul Jr., Tomey, Jeffrey William
• Application Number:
  US13/327,272
• Publication Number:
  US 20120191517A1
• Time in Patent Office: Days
• US Class Current: 705/14.17
• CPC Class Codes: B60G 5/00 Resilient suspensions for a set of tandem wheels or axles having interrelated movements
• CPC Class Codes: B60L 53/63 in response to network capacity
• CPC Class Codes: B60L 53/66 Data transfer between charging stations and vehicles
• CPC Class Codes: B60S 5/00 Servicing, maintaining, repairing, or refitting of vehicles vehicles adapted to carry a workshop for servicing or maintenance B60P3/14; servicing rail locomotives B61K
• CPC Class Codes: B65G 1/0492 with cars adapted to travel in storage aisles
• CPC Class Codes: B65G 1/1373 for fulfilling orders in warehouses
• CPC Class Codes: B65G 47/04 for feeding articles
• CPC Class Codes: B65G 67/02 Loading or unloading land vehicles
• CPC Class Codes: G06Q 10/087 Inventory or stock management, e.g. order filling, procurement or balancing against orders
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: Y02T 10/70 Energy storage systems for electromobility, e.g. batteries
• CPC Class Codes: Y02T 10/7072 Electromobility specific charging systems or methods for batteries, ultracapacitors, supercapacitors or double-layer capacitors
• CPC Class Codes: Y02T 90/12 Electric charging stations
• CPC Class Codes: Y02T 90/16 Information or communication technologies improving the operation of electric vehicles

Abstract

A method for issuing a virtual financial instrument is disclosed, the method comprising receiving user identification information, receiving balance information, generating a financial instrument having a balance indicated by the balance information for a user indicated by the identification information, and providing a notification to the user that the financial instrument has been generated.

Claims

1. A method for issuing a virtual financial instrument, comprising:

receiving user identification information;

receiving balance information;

generating a financial instrument having a balance indicated by the balance information for a user indicated by the identification information; and

providing a notification to the user that the financial instrument has been generated.

2. The method of claim 1, wherein receiving user identification information comprises receiving an email address and a unique identifier.

3. The method of claim 1, wherein receiving balance information comprises receiving a dollar amount.

4. The method of claim 1, wherein generating a financial instrument having a balance indicated by the balance information for a user indicated by the identification information comprises issuing a first and a second number sequence.

5. The method of claim 4, wherein the first number sequence is a bank card number and the second sequence is a card security code.

6. The method of claim 1, wherein providing a notification to the user that the financial instrument has been generated comprises emailing the user a link to a website and login credentials for the website.

7. The method of claim 1, further comprising providing a website configured to receive login credentials and process a claim for the financial instrument.

8. The method of claim 7, wherein the website is further configured to provide the user with the financial instrument.

9. The method of claim 1, wherein the method is performed for a plurality of users as part of a batch process.

10. A system for issuing a virtual financial instrument, comprising:

a storage medium for storing information relating to a financial instrument;

a processor in communication with the memory, the processor configured to;

receive user identification information;

receive balance information;

generate the financial instrument having a balance indicated by the balance information for a user indicated by the identification information; and

store information relating to the financial instrument on the storage medium; and

provide a notification to the user that the financial instrument has been generated.

11. The system of claim 10, wherein receiving user identification information comprises receiving an email address and a unique identifier.

12. The system of claim 10, wherein receiving balance information comprises receiving a dollar amount.

13. The system of claim 10, wherein generating a financial instrument having a balance indicated by the balance information for a user indicated by the identification information comprises issuing a first and a second number sequence.

14. The system of claim 13, wherein the first number sequence is a bank card number and the second sequence is a card security code.

15. The system of claim 10, wherein providing a notification to the user that the financial instrument has been generated comprises emailing the user a link to a website and login credentials for the website.

16. The system of claim 10, further comprising providing a website configured to receive login credentials and process a claim for the financial instrument.

17. The system of claim 16, wherein the website is further configured to provide the user with the financial instrument.

18. The system of claim 10, wherein the method is performed for a plurality of users as part of a batch process.

19. A method for issuing a virtual financial instrument, comprising:

receiving recipient identification information from a seller;

receiving balance information from the seller;

generating a financial instrument having a balance indicated by the balance information for a recipient indicated by the identification information, wherein the balance represents a financial credit for one or more of a good or service provided by the seller; and

providing a notification to the recipient that the financial instrument has been generated.

20. The method of claim 19, further comprising providing a website configured to receive login credentials and process a claim for the financial instrument.