Abstract: The present invention extends to methods, systems, and computer program products for investing funds from pre-paid payment accounts. Funds from accounts within a payment system are invested on behalf of account holders of the accounts. Funds are invested in accordance with a risk strategy defined for the payment system (e.g. defining investment amounts and financial assets for investment). Payments and/or gains from invested funds are disbursed to the accounts of the account holders. Payments and/or gains are disbursed in accordance with disbursement rules for the payment system (e.g., based on percentages).

Abstract: The present invention extends to methods, systems, and computer program products for payments using pre-paid accounts. Embodiments of the invention provide a single, universal payment method that cannot be physically stolen, that minimizes the risk of information theft, and which can be used to make both small and large payments. The universal payment method is more convenient, more efficient, and less expensive to use because it requires no exchange mechanism from one payment form to another. In addition, to the extent that prior-to-payment funds are controlled by the businesses to whom payment is to be made, the buying power is increased.

Abstract: The present invention extends to methods, systems, and computer program products for payments using pre-paid accounts. Embodiments of the invention provide a single, universal payment method that cannot be physically stolen, that minimizes the risk of information theft, and which can be used to make both small and large payments. The universal payment method is more convenient, more efficient, and less expensive to use because it requires no exchange mechanism from one payment form to another. In addition, to the extent that prior-to-payment funds are controlled by the businesses to whom payment is to be made, the buying power is increased.

Abstract: The present invention extends to methods, systems, and computer program products for investing funds from pre-paid payment accounts. Funds from accounts within a payment system are invested on behalf of account holders of the accounts. Funds are invested in accordance with a risk strategy defined for the payment system (e.g. defining investment amounts and financial assets for investment). Payments and/or gains from invested funds are disbursed to the accounts of the account holders. Payments and/or gains are disbursed in accordance with disbursement rules for the payment system (e.g., based on percentages).

Abstract: The present invention extends to managing prepaid purchasing accounts and depositing funds therein. A kiosk and management system are connected over a network. The management system maintains purchasing accounts usable for multiple product or service purchases. To make a deposit, the consumer enters credentials at the kiosk, the credentials identifying a purchasing account. The consumer selects a payment method for making the deposit. For one or more payment methods (e.g., electronic check payment), the consumer selects a method to guarantee the deposit. The consumer also enters a deposit amount which is verified. Cash payments may be verified by an automated cash acceptor or a retail attendant. Credit card or debit card payments may be accepted by a card authorization network. Embodiments of the system also include debiting the purchasing account by a purchase amount. In addition, the purchasing account can be managed to view prior deposits and purchases.

Abstract: The present invention extends to managing the dispensing of petroleum products. A kiosk (e.g., at a gas station) and fuel management system are connected over a network. The fuel management system maintains balances for fuel purchasing accounts that can be debited to purchase fuel. To purchase fuel, a customer enters credentials identifying a fuel purchasing account at the kiosk. After fueling is complete, the fuel purchasing account is debited by the amount of the fuel purchase. Embodiments of the fuel system can also include networked (e.g., Internet) based payments into a fuel purchasing account, either from a kiosk or from a personal computer. Consumers can pay for increased amounts of fuel, such as, for example, multiple tanks of gasoline, in a single payment, potentially reducing or even eliminating returned check losses and/or card fees associated with “tank-at-a-time” purchases.

Abstract: The present invention extends to managing prepaid purchasing accounts and depositing funds therein. A kiosk and management system are connected over a network. The management system maintains purchasing accounts usable for multiple product or service purchases. To make a deposit, the consumer enters credentials at the kiosk, the credentials identifying a purchasing account. The consumer selects a payment method for making the deposit. For one or more payment methods (e.g., electronic check payment), the consumer selects a method to guarantee the deposit. The consumer also enters a deposit amount which is verified. Cash payments may be verified by an automated cash acceptor or a retail attendant. Credit card or debit card payments may be accepted by a card authorization network. Embodiments of the system also include debiting the purchasing account by a purchase amount. In addition, the purchasing account can be managed to view prior deposits and purchases.

Abstract: The present invention extends to managing the dispensing of petroleum products. A kiosk (e.g., at a gas station) and fuel management system are connected over a network. The fuel management system maintains balances for fuel purchasing accounts that can be debited to purchase fuel. To purchase fuel, a customer enters credentials identifying a fuel purchasing account at the kiosk. After fueling is complete, the fuel purchasing account is debited by the amount of the fuel purchase. Embodiments of the fuel system can also include networked (e.g., Internet) based payments into a fuel purchasing account, either from a kiosk or from a personal computer. Consumers can pay for increased amounts of fuel, such as, for example, multiple tanks of gasoline, in a single payment, potentially reducing or even eliminating returned check losses and/or card fees associated with “tank-at-a-time” purchases.