Geographic area multiple service card system
First Claim
Patent Images
1. A multiple service transaction device configured to:
- access financial services provided by a provider of financial services via a financial account, wherein said financial account is associated with said multiple service transaction device;
access transportation services provided by a service partner via a service partner account, wherein said service partner account is associated with said multiple service transaction device;
provide, based on a location identifier received from said service partner, a consumer access to a transportation system provided by said service partner in exchange for loyalty points, wherein said loyalty points are exchanged for access to said transportation system when said loyalty points exist and when said service partner resides within a predefined geographical area; and
,provide a consumer access to said transportation system provided by said service partner upon payment of a fee, wherein said fee associated with said transportation system is transferred from said financial account to said service partner account when a balance of said loyalty points is not sufficient to pay said fee.
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Abstract
The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.
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Citations
19 Claims
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1. A multiple service transaction device configured to:
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access financial services provided by a provider of financial services via a financial account, wherein said financial account is associated with said multiple service transaction device; access transportation services provided by a service partner via a service partner account, wherein said service partner account is associated with said multiple service transaction device; provide, based on a location identifier received from said service partner, a consumer access to a transportation system provided by said service partner in exchange for loyalty points, wherein said loyalty points are exchanged for access to said transportation system when said loyalty points exist and when said service partner resides within a predefined geographical area; and
,provide a consumer access to said transportation system provided by said service partner upon payment of a fee, wherein said fee associated with said transportation system is transferred from said financial account to said service partner account when a balance of said loyalty points is not sufficient to pay said fee. - View Dependent Claims (2)
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3. A method for obtaining access to a transportation system by using a multiple service transaction device to charge a fee related to said access to a financial account, said method including:
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providing said multiple service transaction device to a consumer, wherein said multiple service transaction device is configured to provide fluids from said financial account to a service partner account; maintaining, by a provider of credit services, said financial account corresponding to said multiple service transaction device of said consumer; receiving a request to charge said fee from said service partner, wherein said request includes location data indicative of a geographic location of said transportation system; determining tat said service partner is at least one of located within a predefined geographic location and affiliated with said provider of credit services; adjusting at least one of a loyalty account and said financial account based upon said request and said fee; and
,crediting said service partner account. - View Dependent Claims (4)
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5. A method for obtaining service partner services by using a multiple service transaction device to redeem loyalty points, said method including:
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providing said multiple service transaction device to a consumers, wherein said multiple service transaction device is configured to provide funds from said financial account to a service partner account; maintaining, via a provider of credit services, a database for storing loyalty points in a loyalty account corresponding to said consumer; receiving a request to redeem an amount of said loyalty points to obtain a service of said service partner, wherein said request includes location data indicative of a geographic location of said service partner; determining that said service partner is at least one of located within a predefined geographic location and affiliated with said provider of credit services; adjusting said loyalty account based upon said amount of said loyalty points redeemed; and
,crediting said service partner account. - View Dependent Claims (6)
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7. A method for obtaining service partner services by redeeming loyalty points, wherein said loyalty points are associated with a geographic area, said method including:
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issuing, via a provider of credit services, geographic area loyalty points when a consumer conducts purchases within a geographic area; maintaining, via a provider of credit services, a database for storing said geographic area loyalty points in a loyalty account corresponding to said consumer; receiving a request to redeem an amount of said geographic area loyalty points to obtain a service of said service partner in said geographic area, wherein said request includes location data indicative of a geographic location of said service partner; determining that said service partner is within a redemption area associated with said geographic area loyalty points based on said location data; adjusting said loyalty account based upon said amount of said geographic area loyalty points; and
,crediting an account of said service partner. - View Dependent Claims (8)
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9. A method for providing a multiple service transaction device, said method comprising the steps of:
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receiving an application for a multiple service transaction device from a consumer, said application comprising transaction account application information and service partner information; communicating said transaction account information to a provider of credit services to determine, by considering said transaction account information, that said provider of credit services desires to extend credit to said consumer; causing a multiple service transaction device to be sent to said consumer, wherein said multiple service transaction device includes a financial account which is configured to provide funds to a service partner account; receiving a request from said service partner to debit said financial account in the amount of a fee when said consumer utilizes a service of said service partner, wherein said request includes location data indicative of a geographic location of said service partner; debiting said financial account associated with said multiple service transaction device; and
,crediting said service partner account associated with said multiple service transaction device when said financial account is debited. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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Specification