SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA

• US 20050171898A1
• Filed: 09/30/2004
• Published: 08/04/2005
• Est. Priority Date: 07/10/2001
• Status: Active Grant

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Bishop, Fred, Saunders, Peter D.
• Granted Patent: US 7,996,324 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G07C 9/28 the pass enabling tracking or indicating presence
• CPC Class Codes: G07C 9/29 the pass containing active electronic elements, e.g. smartcards
• CPC Class Codes: G07F 7/1083 Counting of PIN attempts

Abstract

Systems and methods are configured to manage data sets associated with a transaction device. For example, a method is provided for facilitating the management of distinct data sets on a transaction device that are provided by distinct data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the financial transaction device, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the financial transaction device, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction device in accordance with an owner defined format. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other The transaction device user may be permitted to select at least one of the multiple data sets for transaction completion using a secondary identifier indicia. Where the user selects multiple accounts for transaction completion, the user may be permitted to allocate portions of a transaction to the selected transaction accounts. The transaction request may be processed in accordance with the user'"'"'s allocations.

Claims

1. A method for facilitating the management of a plurality of data sets on a transaction device, the method comprising the steps of:

enrolling a first data set owner in multiple transaction accounts and a second data set owner in multiple transaction accounts in association with a transaction device program;

adding to a database, a first data set of a first format at the transaction device, wherein said first data set is owned by said first data set owner;

adding to a database, a second data set of a second format at the transaction device, wherein said second data set is owned by said second data set owner, wherein said first owner is distinct from said second owner, and said first format is different from said second format,

wherein said first data set is stored in accordance with said first format, and said second data set is stored in accordance with said second format; and

facilitating selection of said first data set on said database using a first secondary identifier indicia, said first secondary identifier indicia correlated to said first data set, and completing a transaction request using said first data set.

2. The method of claim 1, comprising facilitating selection of said second data set on said database using a second secondary identifier indicia, said second secondary identifier indicia correlated to said second data set, and completing said transaction request using said second data set.

3. The method of claim 1, comprising verifying said first secondary identifier indicia.

4. The method of claim 1, comprising authorizing a transaction request relative to said first data set.

5. The method of claim 1, wherein the step of completing a transaction request using said first data set comprises allocating a first portion of said transaction request to said first data set for transaction completion.

6. The method of claim 5, comprising completing a transaction request using said second data set, wherein a second portion of said transaction request is allocated to said second data set for transaction completion.

7. A system for facilitating the management of a plurality of data sets stored on a RF operable transaction device, said transaction device comprising

at least one data storage area configured to store a first data set in a first format and a second data storage area configured to store a second data set in a second format different from said first format,

said first data set associated with a first owner and said data storage area configured to store said first data set in said first format independent of said second data set, and,

said second data set associated with said second owner and said data storage area configured to store said second data set in said second format independent of said first data set;

a first secondary identifier indicia associated with said first data set; and

a second secondary identifier indicia associated with said second data set,

said first secondary identifier indicia useful for authorizing use of said first data set for transaction completion, said second secondary identifier indicia useful for authorizing use of said second data set for transaction completion; and

a selection apparatus for selecting said first data set in accordance with said first secondary identifier indicia, wherein said selection apparatus is configured to permit allocation of a portion of a transaction request to said first data set for transaction completion.

8. The system of claim 15 wherein said selection apparatus is configured to permit allocation of a portion of said transaction request to said second data set for transaction completion.

9. A computer-readable storage medium containing a set of instructions for a general purpose computer configured for

facilitating enrollment of a first data set owner and a second data set owner in multiple transaction accounts on a transaction device program;

facilitating adding to a database, a first data set of a first format at the transaction device, wherein said first data set is owned by said first data set owner;

facilitating adding to a database, a second data set of a second format at the transaction device, wherein said second data set is owned by said second data set owner, wherein said first owner is distinct from said second owner, and said first format is different from said second format,

wherein said first data set is stored in accordance with said first format, and said second data set is stored in accordance with said second format; and

facilitating selection of said first data set on said database using a first secondary identifier indicia, said first secondary identifier indicia correlated to said first data set, and completing a transaction request using said first data set.