Interoperability facilitator

• US 20070228156A1
• Filed: 08/01/2006
• Published: 10/04/2007
• Est. Priority Date: 03/28/2006
• Status: Abandoned Application

• Current Assignee: HSBC Card Services Incorporated (HSBC Holdings plc)
• Original Assignee: Household
• Inventors: Eckert, Daniel J.
• Application Number:
  US11/496,495
• Publication Number:
  US 20070228156A1
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer

Abstract

Embodiments of the present invention provide a user station or input medium allowing a user to view available functions and to enter selection information for requesting the association of one or more functions with a user operation vehicle. A verifier, responsive to the user station or input medium, can be provided to determine based upon a set of pre-determined rules, whether the user is entitled to the selected functions. A linkage generator can be provided to associate a user operation vehicle with the selected functions after they have been verified by the verifier. A reward function may also be combined with one or more of the functions associated with the user operation vehicle. Interoperability can also be provided between functions on a user operation vehicle based on a pre-determined set of rules. The interoperability between functions may be bidirectional.

Claims

1. A computer-based system for controlling the use of multiple interoperable functionalities associated with a user operation vehicle, comprising:

(a) a transaction station for facilitating a transaction through use of a first function associated with the user operation vehicle, wherein the use of the first function is requested by a user; and

(b) a rule engine responsive to the transaction station, wherein the rule engine, based upon interoperability rules, selects a second function associated with the user operation vehicle to facilitate the transaction in response to the use of the first function,

wherein the second function is used to facilitate providing associated funds and/or rewards in lieu of the first function to assist completion of the transaction.

2. The system of claim 1, wherein the first and second functions are of the same type.

3. The system of claim 1, wherein the interoperability rules require the second function to provide funds and/or rewards when the first function cannot supply sufficient funds to complete a transaction.

4. The system of claim 1, wherein the first function is a debit function and the second function is a credit function.

5. The system of claim 1, wherein the rule engine resides within a centralized computer server executing software capable of processing rules.

6. The system of claim 1, wherein the transaction station is a networked computer using a website to interact with the user.

7. The system of claim 1, wherein the interoperability rules define a hierarchical ordering among the plurality of functions associated with the user operation vehicle.

8. The system of claim 1, wherein the first and second functions are associated with a single pre-defined personal account designation.

9. The system of claim 1, wherein the user operation vehicle is at least one of a smart card and a biometric identifier.

10. A computer-based method for providing, in an electronic processing system, interoperability among a plurality of functions associated with a user operation vehicle, comprising the steps of:

(a) receiving transaction information generated by use of a first function of the user operation vehicle, wherein receipt of the transaction information indicates a transaction has been initiated;

(b) accessing interoperability rules based upon a pre-defined personal account designation assigned to the user operation vehicle; and

(c) providing or facilitating the providing of funds and/or rewards associated with a second function of the user operation vehicle in accordance with the interoperability rules and in response to the use of the first transaction and transaction information of said step (a), the funds and/or rewards being used to facilitate completion of the transaction;

where each of said first and said second functions are one of a credit function, a debit function, a prepaid function, and a reward function.

11. The method of claim 10, wherein providing or facilitating the providing funds and/or rewards associated with the second function in response to the use of the first function occurs only when the first function is unable to provide sufficient funds.

12. The method of claim 10, wherein the interoperability rules are determined by the user associated with the user operation vehicle.

13. The method of claim 12, wherein the user determines the set of interoperability rules by choosing from one or more pre-defined sets of rules.

14. The method of claim 10, wherein the interoperability rules are based on one or more features of a transaction.

15. The method of claim 14, wherein one of the one or more features is the amount of funds associated with the first function.

16. The method of claim 10, wherein the interoperability rules define a hierarchical ordering among the plurality of functions associated with the user operation vehicle.

17. The method of claim 10, wherein said steps (b) and (c) can be enabled or disabled for a particular transaction.

18. The method of claim 10, further comprising the step of informing the user of the funds and/or rewards provided by the second function.

19. The method of claim 10, further comprising the step of obtaining confirmation before providing funds and/or rewards associated with the second function.

20. The method of claim 10, wherein the first function and second function are of the same type.

21. A computer program product, embodied in a carrier wave or computer readable medium, for causing one or more computers to provide interoperability among a plurality of functionality options associated with a user operation vehicle, the carrier wave or computer readable medium causing the one or more computers to perform the steps of:

(a) receiving transaction information generated by use of a first function of the user operation vehicle, wherein receipt of the transaction information indicates a transaction has been initiated;

(b) accessing interoperability rules based upon a pre-defined personal account designation assigned to the user operation vehicle; and

(c) providing or facilitating the providing funds and/or rewards associated with a second function of the user operation vehicle in accordance with the interoperability rules, and in response to the use of the first transaction and transaction information of said step (a), the funds and/or rewards being used to facilitate completion of the transaction; and

where each of said first and said second functions are one of a credit function, a debit function, a prepaid function, and a reward function.

22. The computer program product of claim 21, wherein the interoperability rules are determined by the user associated with the user operation vehicle.

23. The computer program product of claim 21, wherein the interoperability rules are based on one or more features of a transaction.

24. The computer program product of claim 21, wherein the interoperability rules define a hierarchical ordering among the plurality of functions associated with the user operation vehicle.

25. The computer program product of claim 21, wherein said steps (b) and (c) can be enabled or disabled for a particular transaction.

26. The computer program product of claim 21, further comprising the step of informing the user of the funds and/or rewards provided by the second function.

27. The computer program product of claim 21, further comprising the step of obtaining confirmation before providing funds and/or rewards associated with a second function.

28. The computer program product of claim 21, wherein the first function and second function are of the same type.

29. A computer-based method for providing, in an electronic processing system, interoperability among a plurality of functionality options on a user operation vehicle, comprising the steps of:

(a) receiving transaction information generated by use of a debit function or a credit function of the user operation vehicle;

(b) accessing interoperability rules based upon a pre-defined personal account designation assigned to the user operation vehicle;

(c) providing or facilitating the providing of funds associated with a credit function of a user operation vehicle in response to the use of the debit function of the user operation vehicle, in accordance with the transaction information and the interoperability rules, and/or

(d) providing or facilitating the providing of funds associated with a debit function of the user operation vehicle in response to the use of the credit function of the user operation vehicle, in accordance with the transaction information and the interoperability rules.

30. The method of claim 29, wherein the interoperability rules are determined by the user associated with the user operation vehicle.

31. The method of claim 29, wherein the interoperability rules are based on one or more features of a transaction.

32. The method of claim 29, wherein said steps (b), (c), and (d) can be enabled or disabled for a particular transaction.

33. The method of claim 29, further comprising the step of informing the user of the funds provided by the credit or debit function.

34. The method of claim 29, further comprising the step of obtaining confirmation before providing funds associated with the credit or debit function.

35. The method of claim 29, wherein the first function and second function are of the same type.

36. A computer-based method for providing, in an electronic processing system, user operation vehicles with multiple interoperable payment functionalities, comprising the steps of:

(a) receiving transaction information generated by use of a first function or a second function of the user operation vehicle;

(b) accessing interoperability rules based upon a pre-defined personal account designation assigned to the user operation vehicle;

(c) providing or facilitating the providing of funds and/or rewards associated with a first function of a user operation vehicle in response to the use of a second function of the user operation vehicle, in accordance with the transaction information and the interoperability rules, and/or

(d) providing or facilitating the providing of funds associated with the second function of the user operation vehicle in response to the use of the first function of the user operation vehicle, in accordance with the transaction information and the interoperability rules.

where each of said first and said second functions are one of a credit function, a debit function, a prepaid function, and a reward function, wherein said first and said second functions are not identical functions.

37. The method of claim 36, wherein the first and second functions are processed by a single financial processing entity.

38. The method of claim 36, wherein providing funds and/or rewards associated with said first function of the user operation vehicle in response to the use of said second function of the user operation vehicle, and providing funds and/or rewards associated with said second function of the user operation vehicle in response to the use of said first function of the user operation vehicle, occurs only when said first or second function is unable to provide sufficient funds.

39. The method of claim 36, wherein the interoperability rules are determined by the user associated with the user operation vehicle.

40. The method of claim 36, wherein the interoperability rules are based on one or more features of a transaction.

41. The method of claim 36, wherein the interoperability rules define a hierarchical ordering among the plurality of functions associated with the user operation vehicle.

42. The method of claim 36, wherein said steps (b) and (c) can be enabled or disabled for a particular transaction.

43. The method of claim 36, further comprising the step of informing the user of the funds and/or rewards provided by the first or second function.

44. The method of claim 36, further comprising the step of obtaining confirmation before providing funds and/or rewards associated with the first or second function.

45. The method of claim 36, wherein the first function and second function are of the same type.

46. A computer-based method for providing, in an electronic processing system, user operation vehicles with multiple interoperable payment functionalities, comprising the steps of:

(a) receiving transaction information generated by use of a function of a first user operation vehicle or a function of a second user operation vehicle;

(b) accessing interoperability rules based upon a pre-defined personal account designation assigned to the first user operation vehicle;

(c) providing or facilitating the providing of funds and/or rewards associated with the function of the second user operation vehicle in response to the use of the function of the first user operation vehicle, in accordance with the transaction information and the interoperability rules, and/or

(d) providing or facilitating the providing of funds and/or rewards associated with the function of the first user operation vehicle in response to the use of the function of the second user operation vehicle, in accordance with the transaction information and the interoperability rules,

where each of said functions are one of a credit function, a debit function, a prepaid function, and a reward function.

47. The method of claim 46, wherein the interoperability rules are determined by the user associated with the first user operation vehicle.

48. The method of claim 46, wherein the interoperability rules are based on one or more features of a transaction.

49. The method of claim 46, wherein said steps (b), (c), and (d) can be enabled or disabled for a particular transaction.

50. The method of claim 46, further comprising the step of informing the user of the funds and/or rewards provided by the function of the first user operation vehicle or the function of the second user operation vehicle.

51. The method of claim 46, further comprising the step of obtaining confirmation before providing funds and/or rewards associated with the function of the first user operation vehicle or the function of the second user operation vehicle.