Real-Time Card Balance on Card Plastic
1 Assignment
0 Petitions
Accused Products
Abstract
A system, method and prepaid payment card configured to display a current card balance on the prepaid payment card. The prepaid payment card receives a balance request from a button on the card. After retrieving the current card balance encoded on the prepaid payment card, the card displays the current card balance. Remote terminals may be configured to support the real-time display of a balance on a prepaid payment card by writing the current balance to the card after a payment transaction has occurred.
16 Citations
38 Claims
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1-20. -20. (canceled)
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21. A payment card comprising:
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a plastic body, a non-volatile programmable memory configured to store a current card balance after a transaction, wherein the current card balance is encoded on the non-volatile programmable memory after receiving current balance information from a point-of-sale (POS) device; a button configured to receive a request for the current card balance; and a display configured to show the current card balance responsive to the button receiving the request for the current card balance. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30)
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31. A point of sale device comprising:
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a processor; an input/output (I/O) element coupled to the processor, the I/O element configured to read payment card data from a payment card and configured to transmit data to the payment card; a computer-readable medium comprising code that, when executed by a processor, cause the point of sale device (POS) to; read payment card data with the I/O element, transmit transaction data associated with a transaction, including a portion of the payment card data, to a payment network, receive a response from the payment network indicating whether the transaction is approved or denied, receive current balance information from the payment network, and transmit a current balance to the payment card with the I/O element. - View Dependent Claims (32, 33, 34, 35)
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36. A system comprising:
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a payment network configured to receive transaction data associated with a transaction; and a point of sale (POS) device, wherein the POS is configured to; read payment card data from a payment card; transmit transaction data associated with a transaction, including a portion of the payment card data, to the payment network; receive a response from the payment network indicating whether the transaction is approved or denied, receive current balance information from the payment network, wherein the current balance can be determined from the current balance information, and transmit the current balance information or current balance to the payment card. - View Dependent Claims (37, 38)
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Specification