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One-Card Transaction Management System

  • US 20110011931A1
  • Filed: 07/14/2009
  • Published: 01/20/2011
  • Est. Priority Date: 07/14/2009
  • Status: Abandoned Application
First Claim
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1. A transaction management system for enabling a user to perform a transaction using a neutral card at a point-of-sale unit in communication with a central server via a system network, the neutral card bearing card information, the system comprising:

  • a terminal application at the point-of-sale unit for inputting said card information, inputting transaction data related to said transaction, forwarding said card information and transaction data to the central server, receiving at least one transaction scenario from the central server, presenting said at least one transaction scenario to the user, inputting a user selection of one of the at least one transaction scenario, thereby defining a selected scenario, and forwarding said selected scenario to the central server for completing the transaction based thereon;

    a data storage module connected to said central server and comprising a user profile corresponding to said neutral card, the user profile being linked to a plurality of transaction accounts, the user profile comprising at least one specification for each transaction account linked thereto, each specification being associated to a weight; and

    a server application at the central server for associating the card information to the corresponding user profile, generating the at least one transaction scenario based on the transaction data and the weight of each specification of each transaction account linked to the user profile, and transmitting the at least one transaction scenario to the point-of-sale unit.

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