Inventors:
Zdenek ZOBAL - Schenectady NY, US
International Classification:
G06Q 30/00
Abstract:
A method for implementing a sales transaction includes receiving a first payment, issuing a prepaid sales certificate having indicia indicating a first redeemable value for the certificate corresponding to the first payment, and having indicia indicating at a later time a second redeemable value greater than the first payment. The prepaid sales certificate may be received by a merchant, and a determination made whether the later time has passed. Based on the determination whether the later time has passed, at least one of goods and/or services may be provided in exchange for the prepaid sales certificate based on the first redeemable value or the second redeemable value.