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Methods and systems for processing transactions for integrated credit and stored-value programs

  • US 20050091116A1
  • Filed: 10/27/2003
  • Published: 04/28/2005
  • Est. Priority Date: 10/27/2003
  • Status: Active Grant
First Claim
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1. A method for processing a transaction with a customer at a point of sale, the method comprising:

  • receiving, at a point-of-sale device, a cost for the transaction;

    receiving, at the point-of-sale device, instrument-identification information identifying an instrument associated with a stored-value account and a credit account, wherein the stored-value account and the credit account were linked substantially contemporaneously with issuance of the instrument to the customer;

    generating a request to select a distribution of the cost for the transaction among the stored-value and credit accounts for presentation at the point-of-sale device; and

    transmitting, from the point-of-sale device, instructions to apply the cost for the transaction to the stored-value and credit accounts in accordance with a received response to the request.

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