Appeal No. 2001-1862
Application No. 09/102,044
BACKGROUND
Appellants’ invention relates to a debit purchasing of stored value card for use by
and/or delivery to others. An understanding of the invention can be derived from a
reading of exemplary claim 53, which is reproduced below.
53. A computer implemented method for issuing a stored value card
affiliated with a predetermined credit network and an issuer, wherein the
credit network and the issuer each have separate identification indicia, the
method comprising:
presenting an individual purchaser with an opportunity to buy the
stored value card;
determining with a computer processor whether the individual
purchaser has sufficient funds to pay for the stored value card;
creating in a computer database an independent stored value card
account for a recipient designated by the individual purchaser, the
independent stored value card account only accessible by the recipient
such that the individual purchaser is unable to add funds to the
independent account beyond the initial issue amount, wherein the
independent stored value card account comprises information about:
a) the recipient's name;
b) a stored value card account number; and
c) a stored value card purchase amount;
issuing the stored value card, wherein the stored value card is
marked with the designated recipient's name and at least one of the credit
network identification indicia and the issuer identification indicia, and
wherein the stored value card is accepted for purchases anywhere the
predetermined credit network is accepted for purchases; and
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