System and method for an integrated payment and reward card
First Claim
Patent Images
1. An integrated rewards card, comprising:
- a payment card number associated with a payment account of a person, persons, an entity, or a business; and
a debit card number, different than the payment card number, wherein purchases using the payment card number cause a reward balance on a reward account associated with the debit card number to be increased, wherein products or services can be purchased with the reward account using a POS device for the payment card number.
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Abstract
An integrated rewards card includes a credit card number associated with a credit account of a person, persons, entity or a business. The integrated rewards card also includes a debit card number. The debit card number is different then the credit card number. Purchases using the credit card number cause a reward balance on a reward account associated with the debit card number to be increased. Products or services can be purchased with the reward account using a point of sale device for the credit card number.
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Citations
20 Claims
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1. An integrated rewards card, comprising:
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a payment card number associated with a payment account of a person, persons, an entity, or a business; and
a debit card number, different than the payment card number, wherein purchases using the payment card number cause a reward balance on a reward account associated with the debit card number to be increased, wherein products or services can be purchased with the reward account using a POS device for the payment card number. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 16, 18)
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15. A method of procurement using a payment card having a debit card number associated with a first account, wherein the payment card has a second number associated with a second account, wherein use of the second number to purchase goods or services results in an accumulation in the first account, the method comprising:
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providing the payment card to a merchant;
determining whether to use the first number or the second number to at least partially purchase a good or a service;
using a point of sale device to process the debit card number, the point of sale device being capable of processing the second number for purchases of goods or services; and
consummating a transaction upon receiving verification. - View Dependent Claims (17)
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19. A financial system, comprising:
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an integrated credit/debit reward card including a payment card number associated with a payment account and a debit card number, the debit card number is different than the payment card number, the payment associated with a debit account corresponding to the debit card number, wherein purchases using the payment card number increase the debit account; and
point of sale equipment for processing the payment card number and the debit card number, wherein the payment card number and the debit card number are processed utilizing the same network. - View Dependent Claims (20)
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Specification