Changing a financial account after initiating a payment using a proxy card
First Claim
1. A method for performing a payment, the method comprising:
- receiving, by a computer system from an object identifier, transaction information associated with the payment between a payee and a payer, and object information identifying a payment object account associated with a plurality of payment accounts;
accessing, by the computer system, a database to identify the plurality of payment accounts based on the object information;
selecting, by the computer system, at least one first payment account from the plurality of payment accounts, to use for the payment;
sending an authorization, by the computer system to the object identifier, for the payment;
initiating the payment from the selected at least one first payment account based on the authorization;
sending a message to a device associated with the payer, the message causing display of a notification indicating the plurality of payment accounts, and the transaction information;
receiving, by the computer system, selection information indicating a selection of at least one payment account of the at least one first payment account and a second payment account of the plurality of payment accounts within a time limit to change the selected at least one first payment account to the second payment account; and
causing, by the computer system, funds for the payment to be transferred from the selected payment account to an account associated with the payee.
2 Assignments
0 Petitions
Accused Products
Abstract
Apparatuses and methods for changing a financial account after initiating a payment using a proxy object, such as a proxy card, are disclosed. The proxy card is associated with multiple financial accounts, such as accounts associated with credit cards, debit cards, and pre-paid gift cards. A consumer presents the proxy card to a merchant to make a payment, and the merchant swipes the proxy card and processes the payment by sending transaction information to a financial system. A computer system associated with the financial system selects a payment account associated with the proxy card to use for the payment, and an authorization for the transaction is obtained. Later, the consumer is given a limited time within which he may change the financial account used for the payment, such as by using his mobile device to select a different account associated with the proxy card to use to obtain funds for the payment.
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Citations
27 Claims
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1. A method for performing a payment, the method comprising:
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receiving, by a computer system from an object identifier, transaction information associated with the payment between a payee and a payer, and object information identifying a payment object account associated with a plurality of payment accounts; accessing, by the computer system, a database to identify the plurality of payment accounts based on the object information; selecting, by the computer system, at least one first payment account from the plurality of payment accounts, to use for the payment; sending an authorization, by the computer system to the object identifier, for the payment; initiating the payment from the selected at least one first payment account based on the authorization; sending a message to a device associated with the payer, the message causing display of a notification indicating the plurality of payment accounts, and the transaction information; receiving, by the computer system, selection information indicating a selection of at least one payment account of the at least one first payment account and a second payment account of the plurality of payment accounts within a time limit to change the selected at least one first payment account to the second payment account; and causing, by the computer system, funds for the payment to be transferred from the selected payment account to an account associated with the payee. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A computer system for performing a payment, the computer system comprising:
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a processor; and a memory coupled to the processor, the memory storing executable instructions which when executed by the processor, causes the processor to; receive, by the computer system from an object identifier, transaction information associated with the payment between a payee and a payer, and object information that identifies a payment object account associated with a plurality of payment accounts; access, by the computer system, a database to identify the plurality of payment accounts based on the object information; select, by the computer system, at least one first payment account from the plurality of payment accounts, to use for the payment; send an authorization, by the computer system to the object identifier, for the payment, wherein the computer system initiates the payment from the selected at least one first payment account; send a message to a device associated with the payer, the message causing display of a notification that indicates the plurality of payment accounts, and the transaction information; receive, by the computer system, selection information that indicates a selection of at least one payment account of the at least one first payment account and a second payment account of the plurality of payment accounts within a time limit to change the selected at least one first payment account to the second payment account; and based on receiving the selection information within the time limit, cause, by the computer system, funds for the payment to be transferred from the selected payment account to an account associated with the payee. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
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20. A computer program product, comprising a non-transitory computer-readable medium and a computer program, which when run by a processor in a computer system causes the computer system to perform the following steps:
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receive, by the computer system from an object identifier, transaction information associated with a payment between a payee and a payer, and object information identifying a payment object account associated with a plurality of payment accounts; access, by the computer system, a database to identify the plurality of payment accounts based on the object information; select, by the computer system, at least one first payment account from the plurality of payment accounts, to use for the payment; send an authorization, by the computer system to the object identifier, for the payment; initiate the payment from the selected at least one first payment account based on the authorization; send a message to a device associated with the payer, the message causing a display of a notification indicating the plurality of payment accounts, and the transaction information; receive, by the computer system, selection information indicating a selection of at least one payment account of the at least one first payment account and a second payment account of the plurality of payment accounts within a time limit to change the selected at least one first payment account to a second payment account; and cause, by the computer system, funds for the payment to be transferred from the selected payment account to an account associated with the payee. - View Dependent Claims (21, 22, 23, 24, 25, 26, 27)
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Specification