Structure for a method of facilitating charge transactions
First Claim
1. Structure for facilitating a charge transaction by a card holder of a plurality of charge cards, issued by a plurality of different charge card issuers, at a charge card accepting merchant, which charge transaction may be charged against any of the card holder'"'"'s charge cards, utilizing a single charge card selector, charge card selector card, comprising:
- a not smart charge card selector card issued to the card holder including at least card holder identification data;
point of charge transaction means at the charge card accepting merchant including, means for obtaining the identification dam from the charge card selector card, means for generating data representing the charge card accepting merchant and the charge transaction, and means operably associated with the means for obtaining and the means for generating data for receiving the identification and charge transaction data and transferring the data to the charge card selector and, means for receiving credit authorization data;
point of charge card selection means at the charge card selector operably associated with the point of charge transaction means including, means for receiving the identification and charge transaction data, charge card selection processor means operably associated with the data receiving means for selecting a predetermined one of the plurality of different charge card issuers, in accordance with the card holder'"'"'s predetermined selections, means operably associated with the charge card selection processor means for transferring the card holder identification and transaction representing data from the charge card selection processor means to the selected predetermined one of the plurality of different charge card issuers and;
point of credit authorization means at the selected one of the plurality of different charge card issuers operably associated with the point of charge card selection means at the charge card selector including credit authorization means for receiving the identification and charge transaction data from the point of charge card selection means, generating credit authorization data and transferring the means for credit authorizing data to the point of charge transaction means at the charge card accepting merchant;
whereby a charge transaction may be accomplished by the card holder of a plurality of charge cards which may be charged to any of the plurality of charge cards utilizing only a single charge card selector card.
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Accused Products
Abstract
Structure for and method of facilitating charge transactions by the holder of a plurality of charge cards, issued by a plurality of separate charge card issuers, utilizing a single universal charge card selector card, facilitating card holder reconciliation of card holder receipts and a consolidated statement, and providing the universal card holder with a single consolidated statement for all of the card holder'"'"'s charge transactions during a statement period. The structure for facilitating the charge transaction includes a charge card selector card, having card holder, charge card selector, and a plurality of separate charge card issuers'"'"' data thereon, point of charge transaction means at a charge card accepting merchant, means for transferring identification and charge transaction data from the point of charge transaction means to point of charge card selection means at a charge card selector, point of charge card selection means for selecting a predetermined charge card for the charge transaction, and transferring identification data to the charge card issuer of the selected charge card, point of credit authorization means at the charge card issuer, including means for generating credit authorizing data and transferring the identification and credit authorizing data to the charge card accepting merchant through the charge card selector. The method of the invention includes the steps of obtaining a charge card selector card and presenting it to a charge card accepting merchant, presenting identification and charge transaction data to the charge card selector by the merchant, selection of a predetermined charge card issuer by the charge card selector, obtaining credit authorization from the selected charge card issuer by the charge card selector and transferring the credit authorization data back to the merchant.
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Citations
17 Claims
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1. Structure for facilitating a charge transaction by a card holder of a plurality of charge cards, issued by a plurality of different charge card issuers, at a charge card accepting merchant, which charge transaction may be charged against any of the card holder'"'"'s charge cards, utilizing a single charge card selector, charge card selector card, comprising:
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a not smart charge card selector card issued to the card holder including at least card holder identification data; point of charge transaction means at the charge card accepting merchant including, means for obtaining the identification dam from the charge card selector card, means for generating data representing the charge card accepting merchant and the charge transaction, and means operably associated with the means for obtaining and the means for generating data for receiving the identification and charge transaction data and transferring the data to the charge card selector and, means for receiving credit authorization data; point of charge card selection means at the charge card selector operably associated with the point of charge transaction means including, means for receiving the identification and charge transaction data, charge card selection processor means operably associated with the data receiving means for selecting a predetermined one of the plurality of different charge card issuers, in accordance with the card holder'"'"'s predetermined selections, means operably associated with the charge card selection processor means for transferring the card holder identification and transaction representing data from the charge card selection processor means to the selected predetermined one of the plurality of different charge card issuers and; point of credit authorization means at the selected one of the plurality of different charge card issuers operably associated with the point of charge card selection means at the charge card selector including credit authorization means for receiving the identification and charge transaction data from the point of charge card selection means, generating credit authorization data and transferring the means for credit authorizing data to the point of charge transaction means at the charge card accepting merchant; whereby a charge transaction may be accomplished by the card holder of a plurality of charge cards which may be charged to any of the plurality of charge cards utilizing only a single charge card selector card. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. The method of accomplishing a charge transaction by a holder of a plurality of charge cards, issued by a plurality of different charge card issuers, at a charge card accepting merchant, including point of charge transaction means, which charge transaction may be charged against any of the card holder'"'"'s charge cards, utilizing a single charge card selector, not smart charge card selector card comprising the steps of:
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obtaining a charge card selector card having at least card holder identification data thereon and presenting the charge card selector card and merchandise it is desired to purchase utilizing a charge transaction to a charge card accepting merchant at the point of charge transaction means by the card holder; obtaining the identification data on the charge card selector card at the point of charge transaction means, generating and adding charge transaction data and charge card accepting merchant identification data to the identification data from the charge card selector card in the point of charge transaction means and transferring the identification and charge transaction data to the charge card selector; receiving the card holder and charge card accepting merchant identification and charge transaction data by the charge card selector in the point of charge card selection means, selecting a predetermined one of the plurality of different charge card issuers in the point of charge card selection means, in accordance with the card holder'"'"'s predetermined preferences, and transferring charge card holder and charge card accepting merchant identification and transaction representing data to the predetermined one of the plurality of charge card issuers; receiving the card holder and charge card accepting merchant identification and transaction representing data by the predetermined one of the plurality of charge card issuers in the point of credit authorization means, determining credit authorization for the card holder and generating credit authorizing data in the point of credit authorization means and; transferring the credit authorizing, card holder and credit card accepting merchant identification data to the charge card selector; receiving the credit authorization and identification data from the predetermined one of the plurality of charge card issuers by the charge card selector and transferring the credit authorization data and card holder identification to the credit card accepting merchant by the charge card selector; whereby a charge transaction may be accomplished by the holder of a plurality of charge cards which may be charged to any of the plurality of charge cards utilizing only a single charge card selector card. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17)
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Specification