Abstract: Systems and Processes allow for sales, validation, rewards and dispense of prepaid debit cards and the like, which may have multiple personalities and may be offer and market under a vast plurality of names. Said prepaid debit card is prepaid with the monetary value loaded on the card on fixed amounts or variable desired amounts, and the payment mode use of cash and/or the amount charged to another bank card (credit, debit, bank card, ATM, checks, and the like). Deliver only after a validation signal authorizes such deliver at point of sales or cash registers location at retail stores, services providers, businesses or entities, through the U.S. Postal Service, overnight facilities or by Automated Teller Machines with dispensing debit card feature. The said prepaid debit card is not linked to bank accounts or any other bank equity instrument, retailers, banks as well as other institutions, associations or entities may become issuers after been licensed.

Abstract: A computerized computer program in an Internet Web site with input and output capabilities for the sale, issue and dispensing of debit cards that includes automated teller machine as dispensers for debit cards that include each one a unique identification number on a storage member thereon. A purchaser clicks the Web site address through his or her personal computer, then, following the program steps, enters his/her particulars and those of the transaction which are merged with one of the unique identification numbers and transmitted to a remote computer facility that acts as clearing house for the users' transactions. The remote facility includes input and output means to communicate with the debit card issuer(s), the dispensers and the associated circuitry to obtain the identification numbers of the debit cards being issued and dispensed and the particulars of the holders and the transactions.

Abstract: Systems and processes allow for dispensing pre-paid debit cards and the like from point of sale locations such as merchants. Pre-paid debit cards may be obtained in desired amounts. Communication from the point of sale location with a remote facility allows for subsequent use of the debit card from other locations.

Abstract: An invention relating to a multiple accounts and purposes single card with a choice to be used in one or as combination of operative different accounts available, as a prepaid debit, a bank, an ATM, a “Smart Card”, a Stored Value, a Gift, a Check, a Cash, a Debit or a Credit card. One versatile rechargeable card to be sold, purchased, replaceable if lost, activated and issued carrying any, some or all of the above features.

Abstract: Point-of-Sale machines that allow individuals to obtain from participating merchants, “over-the-counter”, prepaid debit cards. The amount of the line of credit is determined from the amount prepaid and credited to the debit card issuer, as payment for a simple purchasing transaction of merchandise or services. In this case the transaction is the purchasing of a prepaid PIN (personal identification number) required debit card. The prepaid debit cards will be instantly available and dispensed in different dollar amounts, after payment of the prepaid amount (line of credit) selected, and the purchaser has input required particular information and those of the transaction which are merged with one of the unique identification numbers and transmitted to a remote computer facility that acts as clearing house for the users' transactions.

Abstract: This Method and System Invention relates to credit or debit cards of all kinds issued by a bank(s) or financial institution which when issued convey an interest earning savings account opened by the same bank issuing the card.

Abstract: An automated machine for dispensing debit cards that includes an automated teller machine (ATM) with input and output capabilities and a dispenser for debit cards that include each one unique identification number on a storage member thereon. A user enters his or her particulars and those of the transaction which are merged with one of the unique identification numbers and transmitted to a remote computer facility that acts as a clearing house for the users' transactions. The remote facility includes input and output means to communicate with the debit card dispenser and the associated circuitry to obtain the identification numbers of the debit cards being dispensed and the particulars of the users and the transactions. Adequate software is provided in the remote facility to permit users to accesss the same line of credit opened for one or more debit cards so that different users can remotely access and affect one or more lines of credit.

Abstract: A method and system for providing line of credit information to participating banks that issue debit cards to owners of life insurance policies, wherein the cash surrender value of the life insurance policy has been assigned as collateral to secure the credit line on the individual's (policy holder's) debit card. The basis of this invention is the appreciation of the uniqueness in the collateral of the cash surrender value of a life insurance policy and the manner in which such collateral can be used to expedite the issuance and surveillance of debit card accounts. The system of this invention, (also hereinafter "assignee") provides line of credit information to participating debit card issuers and periodically monitors the line of credit for each of debit card holder whose line of credit is secured by the cash surrender value of his insurance policy. The manner of securing this line of credit effectively eliminates potential losses from default on such credit obligation.

Abstract: A method and system for credit card issuers with cardholders that own insurance policies with surrender cash values in them. The method and system include the use of computerized and information storage systems for obtaining information storage systems for obtaining information from each participating cardholder. The system uses this information to compute a line of credit that is transmitted to the participating bank that issue the conventional cards. Since the system has an assignment of the equity of each policy, it can extend the line of credit with virtually no risk of default.