{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-8463704","patent":{"patent_number":"US-8463704","title":"Conditional balance management for non-issuer debit instruments","assignee":null,"inventors":[],"filing_date":"2012-11-12T00:00:00.000Z","publication_date":"2013-06-11T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q","G06Q"],"num_claims":15,"abstract":"A computer receives information about a debit account controlled by a third-party issuer, a user owing the account and instructions for managing the account after a specified trigger date. Operating according the instructions, an unknown remaining balance in the account may be exhausted after the trigger date has passed, using a sequence of charges responsive to the initial balance, to the last charge amount completed or attempted, and to whether or not the last charge amount is accepted. In the alternative, or in addition, the account may be managed to convert the remaining balance to a non-monetary coupon (e.g., “virtual currency”) for use in an online computer game or the like, after the trigger date."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Conditional balance management for non-issuer debit instruments","description":"A computer receives information about a debit account controlled by a third-party issuer, a user owing the account and instructions for managing the account after a specified trigger date. Operating a","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-8463704","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-8463704","citation_suggestion":"Patentable. \"Conditional balance management for non-issuer debit instruments\" (US-8463704). https://patentable.app/patents/US-8463704","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-8463704","json":"https://patentable.app/api/llm-context/US-8463704","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-31T11:54:58.591Z"}