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SYSTEM AND METHOD FOR PROVIDING A USER WITH A SINGLE PAYMENT CARD ON WHICH PREPAID AND/OR REWARD BALANCES ARE TRACKED FOR MULTIPLE MERCHANTS

  • US 20120215605A1
  • Filed: 02/21/2012
  • Published: 08/23/2012
  • Est. Priority Date: 02/22/2011
  • Status: Abandoned Application
First Claim
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1. A method for providing a single user account that separately tracks credit balances for multiple merchants, the method comprising:

  • associating a plurality of merchant purses with a single user account, wherein a user is able to use the account to make purchases at the merchants associated with the purses;

    tracking a separate balance for each merchant purse, including tracking a prepaid balance within each merchant purse;

    in response to the user depositing prepaid money into one of the merchant purses, crediting the applicable merchant purse with the deposited amount;

    in response to the user performing a purchase transaction at one of the merchants associated with one of the purses, debiting the purse in the user'"'"'s account associated with the applicable merchant.

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