Geographic area multiple service card system
First Claim
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1. A computer-implemented method comprising:
- receiving, by a computer-based system and via a card service engine, a multiple service transaction account application from a transportation services provider;
transmitting, by the computer-based system, information from the multiple service transaction account application to a card generator device, wherein the card generator device physically fabricates a multiple service transaction device;
authorizing, by the computer-based system, a purchase from a non-transportation service provider using the multiple service transaction device;
crediting, by the computer-based system and in response to the authorizing, a loyalty reward to a transferor loyalty account associated with a second geographic area;
adjusting, by the computer-based system, in response to a barcode on the multiple service transaction device being scanned by the transportation services provider within a first geographic area, a transportation services provider account associated with the multiple service transaction device, based upon the transportation services provider being located within the first geographic area, and based upon a charge request and a fee for accessing transportation services using the multiple service transaction device;
converting, by the computer-based system and in response to the charge request, a first loyalty point value for the transferor loyalty account associated with the second geographic area to a second loyalty point value for a transferee loyalty account associated with the first geographic area, wherein a balance of the transferee loyalty account is insufficient to pay the fee;
transferring, by the computer-based system and in response to the converting, the first loyalty point value from the transferor loyalty account to the transferee loyalty account;
deducting, by the computer-based system and based upon the charge request, the second loyalty point value from the transferee loyalty account associated with the transportation services provider account; and
causing a crediting, by the computer-based system, of the fee to the transportation services provider account based upon the charge request.
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Abstract
The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.
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Citations
20 Claims
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1. A computer-implemented method comprising:
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receiving, by a computer-based system and via a card service engine, a multiple service transaction account application from a transportation services provider; transmitting, by the computer-based system, information from the multiple service transaction account application to a card generator device, wherein the card generator device physically fabricates a multiple service transaction device; authorizing, by the computer-based system, a purchase from a non-transportation service provider using the multiple service transaction device; crediting, by the computer-based system and in response to the authorizing, a loyalty reward to a transferor loyalty account associated with a second geographic area; adjusting, by the computer-based system, in response to a barcode on the multiple service transaction device being scanned by the transportation services provider within a first geographic area, a transportation services provider account associated with the multiple service transaction device, based upon the transportation services provider being located within the first geographic area, and based upon a charge request and a fee for accessing transportation services using the multiple service transaction device; converting, by the computer-based system and in response to the charge request, a first loyalty point value for the transferor loyalty account associated with the second geographic area to a second loyalty point value for a transferee loyalty account associated with the first geographic area, wherein a balance of the transferee loyalty account is insufficient to pay the fee; transferring, by the computer-based system and in response to the converting, the first loyalty point value from the transferor loyalty account to the transferee loyalty account; deducting, by the computer-based system and based upon the charge request, the second loyalty point value from the transferee loyalty account associated with the transportation services provider account; and causing a crediting, by the computer-based system, of the fee to the transportation services provider account based upon the charge request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system, cause the computer-based system to perform operations comprising:
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receiving, by the computer-based system and via a card service engine, a multiple service transaction account application from a transportation services provider; transmitting, by the computer-based system, information from the multiple service transaction account application to a card generator device, wherein the card generator device physically fabricates a multiple service transaction device; authorizing, by the computer-based system, a purchase from a non-transportation service provider using the multiple service transaction device; crediting, by the computer-based system and in response to the authorizing, a loyalty reward to a transferor loyalty account associated with a second geographic area; adjusting, by the computer-based system, in response to a barcode on the multiple service transaction device being scanned by the transportation services provider within a first geographic area, a transportation services provider account associated with the multiple service transaction device, based upon the transportation services provider being located within the first geographic area, and based upon a charge request and a fee for accessing transportation services using the multiple service transaction device; converting, by the computer-based system and in response to the charge request, a first loyalty point value for the transferor loyalty account associated with the second geographic area to a second loyalty point value for a transferee loyalty account associated with the first geographic area, wherein a balance of the transferee loyalty account is insufficient to pay the fee; transferring, by the computer-based system and in response to the converting, the first loyalty point value from the transferor loyalty account to the transferee loyalty account; deducting, by the computer-based system and based upon the charge request, the second loyalty point value from the transferee loyalty account associated with the transportation services provider account; and causing a crediting, by the computer-based system, of the fee to the transportation services provider account based upon the charge request.
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18. A system comprising:
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a processor; a tangible, non-transitory memory configured to communicate with the processor; a card service engine in communication with the processor and configured to approve a multiple service transaction account application received from a transportation services provider; a card generator device in communication with the processor and configured to physically fabricate a multiple service transaction device based on application information in the multiple service transaction account application; an authorization module in communication with the processor and configured to authorize a purchase from a non-transportation service provider using the multiple service transaction device; a loyalty crediting module in communication with the processor and configured to credit, in response to the authorizing, a loyalty reward to a transferor loyalty account associated with a second geographic area; an adjusting module in communication with the processor and configured to adjust, in response to a barcode on the multiple service transaction device being scanned by the transportation services provider within a first geographic area, a transportation services provider account associated with the multiple service transaction device, based upon the transportation services provider being located within the first geographic area, and based upon a charge request and a fee for accessing transportation services using the multiple service transaction device; a converting module in communication with the processor and configured to convert, in response to the charge request, a first loyalty point value for the transferor loyalty account associated with the second geographic area to a second loyalty point value for a transferee loyalty account associated with the first geographic area, wherein a balance of the transferee loyalty account is insufficient to pay the fee; a transferring module in communication with the processor and configured to transfer, in response to the converting, the first loyalty point value from the transferor loyalty account to the transferee loyalty account; a deducting module in communication with the processor and configured to deduct, based upon the charge request, the second loyalty point value from the transferee loyalty account associated with the transportation services provider account; and a fee crediting module in communication with the processor and configured to cause a crediting of the fee to the transportation services provider account based upon the charge request. - View Dependent Claims (19, 20)
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Specification