Systems and Methods for Suggesting an Allocation
First Claim
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1. A method for receiving an approval of an allocation of an amount associated with a transaction, the method comprising:
- receiving, at a first financial account issuer, a request to debit the amount from a first financial account having a first identifier, wherein the first financial account issuer issued the first financial account, and wherein the first financial account issuer comprises a server;
acquiring historical information related to the first financial account;
determining an allocation trend based upon the historical information;
establishing an allocation rule based upon the allocation trend;
transforming an allocation instruction based on the allocation rule;
facilitating debiting, by the first financial account issuer and based upon the allocation rule, a first portion of the amount from the first financial account; and
,allocating, based upon the allocation rule, a second portion of the amount to a second financial account having a second identifier, wherein a second financial account issuer issued the second financial account, wherein the second financial account issuer is different from the first financial account issuer, and wherein the second financial account issuer debits the second portion of the amount from the second financial account.
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Abstract
A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.
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Citations
20 Claims
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1. A method for receiving an approval of an allocation of an amount associated with a transaction, the method comprising:
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receiving, at a first financial account issuer, a request to debit the amount from a first financial account having a first identifier, wherein the first financial account issuer issued the first financial account, and wherein the first financial account issuer comprises a server; acquiring historical information related to the first financial account; determining an allocation trend based upon the historical information; establishing an allocation rule based upon the allocation trend; transforming an allocation instruction based on the allocation rule; facilitating debiting, by the first financial account issuer and based upon the allocation rule, a first portion of the amount from the first financial account; and
,allocating, based upon the allocation rule, a second portion of the amount to a second financial account having a second identifier, wherein a second financial account issuer issued the second financial account, wherein the second financial account issuer is different from the first financial account issuer, and wherein the second financial account issuer debits the second portion of the amount from the second financial account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A computer-readable medium having stored thereon a plurality of instructions, the plurality of instructions comprising:
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instructions to receive, at a first financial account issuer, a request to debit the amount from a first financial account having a first identifier, wherein the first financial account issuer issued the first financial account, and wherein the first financial account issuer comprises a server; instructions to acquire historical information related to the first financial account; instructions to determine an allocation trend based upon the historical information; instructions to establish an allocation rule based upon the allocation trend; instructions to transform an allocation instruction based on the allocation rule; instructions to facilitate debiting, by the first financial account issuer and based upon the allocation rule, a first portion of the amount from the first financial account; and
,instructions to allocate, based upon the allocation rule, a second portion of the amount to a second financial account having a second identifier, wherein a second financial account issuer issued the second financial account, wherein the second financial account issuer is different from the first financial account issuer, and wherein the second financial account issuer debits the second portion of the amount from the second financial account.
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Specification