Billing/clearing house system and method for an overloaded card

• US 6,427,911 B1
• Filed: 12/17/1999
• Issued: 08/06/2002
• Est. Priority Date: 12/17/1999
• Status: Expired due to Fees

• Current Assignee: International Business Machines Corporation
• Original Assignee: International Business Machines Corporation
• Inventors: Berstis, Viktors, Barnes, Stacey Alan
• Primary Examiner(s): Frech, Karl D.
• Assistant Examiner(s): LE, UYEN CHAU N
• Application Number:
  US09/465,292
• Time in Patent Office: 963 Days
• Field of Search: 235/380, 235/379, 235/487, 705/40
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/023 the neutral party being a clearing house
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A system and method for managing an overloaded card with billing/clearing house services to a user of the card. The host card is set up as an overloaded card to which a card provider server system provides the overloaded card services. The overloaded card with the overloaded services is managed such that card transactions are tracked, and the user is respectively billed for the transactions. The transactions are cleared before billing the transactions to the user. All information relating to the transactions are consolidated on a single statement that is provided to the user. The overloaded card manager is used to manage the overloaded card and its services and provide the billing/clearing house services.

Claims

1. A method for managing and providing billing services to a user of a host card having multiple card services, comprising the steps of:

overloading a host card that has an associated card service with at least one other service of at least one other card,

maintaining and storing within a database, card management data that contains card service account information that relates the host card with the account status of the at least one other card service of all of the at least one other card,

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 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

in response to processing a transaction with respect to one of said at least one other card service, associating the card service account information maintained within said database to said host card within a centralized clearing house, such that transactions performed with said host card may be centrally cleared and processed.

2. The method according to claim 1, wherein the step of associating the card service information maintained within said database further comprises the step of:

clearing the transactions before billing the transactions to the user.

3. The method according to claim 2, further comprising the step of:

using a central clearing house for clearing the transactions.

4. The method according to claim 3, wherein the central clearing house is made part of an overloaded card manager that manages the overloaded card.

5. The method according to claim 1, wherein the step of associating the card service information maintained within said databas further comprises the step of:

consolidating all information relating to the transactions on a single statement that is provided to the user.

6. The method according to claim 5, further comprising the step of:

using a central billing service provider system for consolidating all of the information relating to the transactions on the single statement.

7. The method according to claim 6, wherein the central billing service provider system is made part of an overloaded card manager that manages the overloaded card.

8. The method according to claim 5, further comprising the step of:

summarizing the consolidated information and the transactions on the single statement.

9. A system of providing, using, and managing a card with a card service and providing billing services to a user of the card, comprising:

means for overloading a host card that has an associated card service with at least one other service of at least one other card,

means for maintaining and storing within a database, card management data that contains card service account information that relates the host card with the account status of the at least one other card service of all of the at least one other card,

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 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, and

means responsive to processing a transaction with respect to one of said at least one other card service, for associating the card service account information maintained within said database to said host card within a centralized clearing house, such that transactions performed with said host card may be centrally cleared and processed.

10. The system according to claim 9, wherein the means for managing the host card maintains and stores overloaded card management data that contains billing information relating to the host card and the at least one other card service, tracks a change, if any, made to the host card and the at least one other card service, updates the overloaded card management data to reflect the change, and performs appropriate actions in response to the change.

11. The system according to claim 9, wherein the transactions are cleared before billing the transactions to the user.

12. The system according to claim 11, further comprising:

a central clearing house used for clearing the transactions.

13. The system according to claim 12, wherein the central clearing house is made part of the means for managing the host card.

14. The system according to claim 9, wherein all information relating to the transactions are consolidated together into a single statement that is provided to the user.

15. The system according to claim 14, further comprising:

a central billing service provider system used for consolidating all of the information relating to the transactions on a single statement.

16. The system according to claim 15, wherein the central billing service provider system is made part of the means for managing the host card.

17. The system according to claim 14, wherein the consolidated information and the transactions are summarized on the single statement.

18. A program product for managing and providing billing services to a user of a host card having multiple card services, comprising:

instruction means for overloading a host card that has an associated card service with at least one other service of at least one other card,

instruction means for maintaining and storing within a database, card management data that contains card service account information that relates the host card with the account status of the at least one other card service of all of the at least one other card,

instruction 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 managing includes;

instruction 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

instruction means for charging another of said at least one card service responsive to no specified vendor being designated, and

instruction means responsive to processing a transaction with respect to one of said at least one other card service, for associating the card service account information maintained within said single database to said host card within a centralized clearing house, such that transactions performed with said host card may be centrally cleared and processed.

19. The program product according to claim 18, wherein said computer usable media is a memory media.

20. The program product according to claim 18, wherein said computer usable media bearing is a floppy disk.