Method for managing and updating overloaded cards
First Claim
Patent Images
1. A method of providing, using, and managing a card with a card service, comprising the steps of:
- associating a host card with an associated card service, setting up the host card with at least one other card service by associating the at least one other card service of the at least one other card with the host card, and managing the host card with the at least one other card service within a networked server independent of altering any data on the host cards, wherein said managing includes;
responsive to a specified vendor establishment being designated as associated with one of said at least one other card service, automatically charging said one of said at least one other card service when said host card is used at said specified vendor establishment, and charging another of said at least one card service responsive to no specified vendor being designated.
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Abstract
A system for managing services of a host card having multiple card services associated therewith. The host card is set up as an overloaded card by associating at least one other service of the at least one other card to the host card. The overloaded card with the overloaded services are managed. Overloaded card management data relating to the overloaded card and the overloaded card services are maintained, stored, and/or updated to reflect a change, if any, made to the overloaded card and with respect to the overloaded card services. Appropriate actions are performed in response to the change.
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Citations
27 Claims
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1. A method of providing, using, and managing a card with a card service, comprising the steps of:
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associating a host card with an associated card service, setting up the host card with at least one other card service by associating the at least one other card service of the at least one other card with the host card, and managing the host card with the at least one other card service within a networked server independent of altering any data on the host cards, wherein said managing includes;
responsive to a specified vendor establishment being designated as associated with one of said at least one other card service, automatically charging said one of said at least one other card service when said host card is used at said specified vendor establishment, and charging another of said at least one card service responsive to no specified vendor being designated. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
maintaining and storing overloaded card management data relating to the host card and the at least one other card service, tracking a change, if any, made to the host card and the at least one other card service, updating the overloaded card management data to reflect the change, and performing appropriate actions in response to the change.
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3. The method according to claim 2, wherein the change is to information that requires at least one card service provider of the at last one other card service to be informed of the change and wherein:
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the maintaining and updating step further comprises the step of maintaining and updating information for contacting the at least one card service provider, and the performing step further comprises the step of contacting and updating the respective at least one card service provider with the change by using the information for contacting a provider of the at least one other card service.
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4. The method according to claim 3, wherein the provider of the at least one other card service includes all card service providers of the at least one other service.
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5. The method according to claim 4, wherein the information is user information and the change is to user information that requires all of the card service providers of the at least one other card service to be informed of the change.
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6. The method according to claim 2, wherein the overloaded card management data further comprises at least user information, overloaded card information, and associated card information.
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7. The method according to claim 6, wherein the change is to the user information.
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8. The method according to claim 7, wherein the user information further comprises a user name, a user address, a user telephone, and a user security information.
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9. The method according to claim 6, wherein the change is to the overloaded card information.
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10. The method according to claim 9, wherein the overloaded card information further comprises an overloaded card designation indicator, an account number, an expiration date, any security information, and information for contacting a respective card service provider.
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11. The method according to claim 6, wherein the change is to the associated card information for the at least one associated card.
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12. The method according to claim 11, wherein the associated card information further comprises an account number, an expiration date, any security information, and information for contacting a respective card service provider.
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13. A system of providing, using, and managing a card with a card service, comprising:
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means for associating a host card with an associated card service that is used by a card user, means for setting up the host card with at least one other card service by associating the at least one other card service of the at least one other card with the host cards, and means for managing the host card with the at least one other card service within a networked server independent of altering any data on the host card, wherein said means for managing includes;
means responsive to a specified vendor establishment being designated as associated with one of said at least one other card service, for automatically charging said one of said at least one other card service when said host card is used at said specified vendor establishment, and means for charging another of said at least one card service responsive to no specified vendor being designated. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
the change is to information that requires at least one card service provider of the at least one other card service to be informed of the change, information for contacting the at least one card service provider is maintained and updated, and the respective at least one card service provider is contacted and updated with the change by using the information for contacting the at least one card service provider.
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16. The system according to claim 15, wherein the at least one card service provider is all card service providers of the at least one other service.
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17. The system according to claim 16, wherein the information is user information and the change is to user information that requires all of the card service providers of the at least one other card service to be informed of the change.
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18. The system according to claim 14, wherein the overloaded card management data further comprises at least user information, overloaded card information, and associated card information.
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19. The system according to claim 18, wherein the change is to the user information.
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20. The system according to claim 19, wherein the user information further comprises a user name, a user address, a user telephone, and a user security information.
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21. The system according to claim 18, wherein the change is to the overloaded card information.
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22. The system according to claim 21, wherein the overloaded card information further comprises an overloaded card designation indicator, an account number, an expiration date, any security information, and information for contacting a respective card service provider.
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23. The system according to claim 18, wherein the change is to the associated card information.
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24. The system according to claim 23, wherein the associated card information further comprises an account number, an expiration date, any security information, and information for contacting a respective card service provider.
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25. A program product for providing, using, and managing a card with a card service, comprising:
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instruction means for associating a host card with an associated card service that is used by a card user, instruction means for setting up the host card as an overloaded card with overloaded card services by associating the at least one other service of the at least one other card to the host card, instruction means for managing the overloaded card with the overloaded services within a networked server independent of altering any data on the host card, wherein said managing includes;
responsive to a specified vendor establishment being designated as associated with one of said at least one other card service, automatically charging said one of said at least one other card service when said host card is used at said specified vendor establishment, and charging another of said at least one card service responsive to no specified vendor being designated, and computer usable media bearing said instruction means. - View Dependent Claims (26, 27)
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Specification