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Prepaid negative balance fee processing and fee diversion

  • US 8,146,806 B2
  • Filed: 06/04/2007
  • Issued: 04/03/2012
  • Est. Priority Date: 06/04/2007
  • Status: Active Grant
First Claim
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1. An apparatus for negative balance processing of a prepaid card, comprising:

  • a database for storing data related to a prepaid card account, anda processing engine for determining that sufficient funds are available in the account for a transaction amount associated with a transaction but that sufficient funds are not available in the account for the transaction amount plus an associated fee, and selectively determining whether the transaction is allowed, disallowed, allowed with a partial fee or allowed with a fee diverted, the processing engine in communications with the database.

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