Patent ID: 11875329
Assignee: CASHSTAR, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A computer program product embodied in a tangible media including instructions included thereon for causing a processor to:
attribute a value to a pre-paid payment instrument to be purchased by a purchaser providing the value and to be issued by a pre-paid payment system, the pre-paid payment instrument being redeemable at one or more retailers;
determine an expiration time associated with the pre-paid payment instrument;
automatically return an un-used portion of value associated with the pre-paid payment instrument at the expiration time by automatically crediting an external account associated with the purchaser for the un-used portion at the expiration time, the external account being maintained by a party different from the one or more retailers.