초록 ▼

Methods and systems for exchanging various forms of value, including coins, currency, credit, debit, and/or bank account funds, for prepaid cash cards, credit cards, phone cards, and the like. In one embodiment, a value exchange machine includes a coin input region, a coin sorting/counting apparatus

Methods and systems for exchanging various forms of value, including coins, currency, credit, debit, and/or bank account funds, for prepaid cash cards, credit cards, phone cards, and the like. In one embodiment, a value exchange machine includes a coin input region, a coin sorting/counting apparatus, a card reader, and a communications facility configured to communicate with a remote computer network. In another embodiment, a value exchange system includes one or more of the value exchange machines connected to one or more remote computers via a communications link. A user wishing to purchase, for example, a prepaid cash card can visit one of the value exchange machines, select the desired transaction, and pay for the card with coins, currency, a credit card, a debit card, and/or bank account funds. After confirming payment, the value exchange machine dispenses the card to the user.

대표청구항 ▼

We claim: 1. A computer implemented method for transferring funds from a first user to a second user, the method comprising:receiving a request from a first user computer for one or more display pages, the one or more display pages being configured to receive information from the first user related

We claim: 1. A computer implemented method for transferring funds from a first user to a second user, the method comprising:receiving a request from a first user computer for one or more display pages, the one or more display pages being configured to receive information from the first user related to the transfer of funds from the first user to the second user;in response to the request, providing the one or more display pages to the first user computer;receiving information from the first user computer via the one or more display pages, the information including an amount of funds to transfer to the second user, an electronic address of the second user, and a source of funds;receiving an authorization from a remote computer associated with the source of funds to debit the source of funds for the amount of funds; andin response to receiving the authorization, sending an electronic message to the electronic address of the second user to inform the second user of the amount of funds that has been authorized for transfer to the second user, wherein sending the electronic message includes sending information about the location of one or more value exchange machines configured to dispense the funds to the second user.