TRANSACTION PROCESSING SYSTEMS AND METHODS FOR PER-TRANSACTION PERSONAL FINANCIAL MANAGEMENT
First Claim
1. A point of sale terminal with personal financial management support for the user comprising:
- a transaction interface for receiving transaction information including a transaction amount;
a card reader configured to read a financial card having a primary account with a primary account number associated with the financial card and to receive a user selected subaccount indicator from among a plurality of subaccount indicators each associated with a different subaccount within the primary account of the financial card; and
a network interface for communicating with a financial account management system including transmitting the transaction information, the primary account number, and the user selected subaccount indicator to the financial account management system and receiving a financial account management system reply thereto.
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Abstract
Systems and methods for personal financial management for receiving payment for a transaction amount from a user includes means for receiving from the user a primary account number associated with a primary account having a plurality of subaccounts each having a subaccount indicator and means for receiving from the user a user selected subaccount indicator from among the plurality of subaccount indicators for processing of the transaction amount. The system also includes means for transmitting the primary account number and the subaccount indicator as received from the user to a financial institution for payment authorization of the transaction amount and means for receiving authorization from the financial institution responsive to the transmitting.
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Citations
20 Claims
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1. A point of sale terminal with personal financial management support for the user comprising:
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a transaction interface for receiving transaction information including a transaction amount; a card reader configured to read a financial card having a primary account with a primary account number associated with the financial card and to receive a user selected subaccount indicator from among a plurality of subaccount indicators each associated with a different subaccount within the primary account of the financial card; and a network interface for communicating with a financial account management system including transmitting the transaction information, the primary account number, and the user selected subaccount indicator to the financial account management system and receiving a financial account management system reply thereto. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method of receiving payment for a transaction amount from a user with personal financial management support comprising:
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receiving from the user a primary account number associated with a primary account having a plurality of subaccounts each having a subaccount indicator; receiving from the user a user selected subaccount indicator from among the plurality of subaccount indicators for processing of the transaction amount; transmitting the primary account number and the subaccount indicator as received from the user to a financial institution for payment authorization of the transaction amount; and receiving authorization from the financial institution responsive to the transmitting. - View Dependent Claims (14, 15, 16, 17, 18)
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19. A point of sale transaction processing system with personal financial management support for the user comprising:
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a card reader configured for receiving a primary account number from a financial card; a transaction interface for receiving a transaction amount; a user interface configured for receiving a user authorization; a financial card processing module configured for processing of the received primary account number, transaction amount and the user authorization; and a network interface configured for communicating with a financial account management system having a plurality of primary accounts each including a primary account identification and each primary account having a plurality of subaccounts, the network interface transmitting the primary account number, the transaction amount and the received subaccount identifier; wherein the user interface is further configured for receiving a user input identifying a particular one of the plurality of subaccounts associated with the received primary account, wherein the card processing module is further configured for receiving the user input identifying the particular subaccount and initiating a communication over the network interface of the received primary account identification, the received user authorization, the received transaction amount, and the received particular subaccount.
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20. A system for receiving payment for a transaction amount from a user with personal financial management support for the user comprising:
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means for receiving from the user a primary account number associated with a primary account having a plurality of subaccounts each having a subaccount indicator; means for receiving from the user a user selected subaccount indicator from among the plurality of subaccount indicators for processing of the transaction amount; means for transmitting the primary account number and the subaccount indicator as received from the user to a financial institution for payment authorization of the transaction amount; and means for receiving authorization from the financial institution responsive to the transmitting.
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Specification