Public/private dual card system and method
First Claim
1. A method for providing a multiple-service card, the method comprising the steps of:
- receiving at a service partner an application for a multiple-service card from a consumer, said application comprising fields which include credit card application information for a particular credit card and service partner information, said service partner information related at least in part to a private retailer transaction instrument associated with said service partner;
extracting said service partner information from said application;
communicating said service partner information to said service partner to determine if said service partner desires to provide access into an establishment of said service partner and to allow purchase of goods and services from said service partner using said particular credit card;
extracting said credit card application information from said application for the multiple-service card;
communicating said credit card application information to a provider of credit services, said provider of credit services thereafter determining whether it desires to extend credit to the consumer;
if said provider of credit services desires to extend credit to the consumer, establishing an account associated with said consumer, and sending the multiple-service card to the consumer, wherein said multiple-service card is configured for providing a primary party'"'"'s services and a service partner'"'"'s services, andtransferring the account to a second service partner, wherein said step of transferring comprises transmitting a file comprising indicia of a service partner account.
4 Assignments
0 Petitions
Accused Products
Abstract
A system and method for providing a multiple-service card is disclosed. A card member 108 is provided with a single card that serves as both an open transaction instrument and a private retailer transaction instrument. This multiple-service card may have the traditional credit card data on one side of the card, including, for example, the account number, name of the account holder, and the expiration date. The other side of the card may include a magnetic stripe that contains the account information in machine readable form as well as private retailer transaction instrument information. In the system, the primary party and the service partner participants cooperate to complete the processes associated with the provision of the combined card services, including a new account process, card replacement and renewal processes, a service partner cancellation process, and a process for cancellation and/or transfer by a primary party.
577 Citations
32 Claims
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1. A method for providing a multiple-service card, the method comprising the steps of:
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receiving at a service partner an application for a multiple-service card from a consumer, said application comprising fields which include credit card application information for a particular credit card and service partner information, said service partner information related at least in part to a private retailer transaction instrument associated with said service partner; extracting said service partner information from said application; communicating said service partner information to said service partner to determine if said service partner desires to provide access into an establishment of said service partner and to allow purchase of goods and services from said service partner using said particular credit card; extracting said credit card application information from said application for the multiple-service card; communicating said credit card application information to a provider of credit services, said provider of credit services thereafter determining whether it desires to extend credit to the consumer; if said provider of credit services desires to extend credit to the consumer, establishing an account associated with said consumer, and sending the multiple-service card to the consumer, wherein said multiple-service card is configured for providing a primary party'"'"'s services and a service partner'"'"'s services, and transferring the account to a second service partner, wherein said step of transferring comprises transmitting a file comprising indicia of a service partner account. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A transferable, multiple-service card associated with a service partner, a primary party, and a holder, the card comprising:
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a first side and a second side, the first side having first indicia associated with said primary party, the second side having second indicia associated with said service partner, wherein said multiple service card is obtained by; receiving at said service partner an application for the multiple-service card from a consumer, said application comprising fields which include credit card application information for a particular credit card and service partner information, said service partner information related at least in part to a private retailer transaction instrument associated with said service partner; extracting said service partner information from said application; communicating said service partner information to said service partner to determine if said service partner desires to provide access into an establishment of said service partner and to allow purchase of goods and services from said service partner using said particular credit card; extracting said credit card application information from said application for a multiple-service card; communicating said credit card application information to a provider of credit services, said provider of credit services thereafter determining whether it desires to extend credit to the consumer; if said provider of credit services desires to extend credit to the consumer, establishing an account associated with said consumer, and sending the multiple-service card to the consumer, wherein said multiple-service card is configured for providing a primary party'"'"'s services and a service partner'"'"'s services; and transferring the account to a second service partner by transmitting a file comprising indicia of a service partner account. - View Dependent Claims (8, 9, 10)
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11. A method for facilitating management of a plurality of data sets on a transaction instrument, the method comprising the steps of:
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enrolling a first data set owner associated with an open transaction instrument and a second data set owner associated with a private retailer transaction instrument in multiple transaction accounts on a transaction instrument program; adding to a database on the transaction instrument, a first data set of a first format, before issuance of the transaction instrument by an issuer, wherein said first data set is owned by said first data set owner; adding to a database on the transaction instrument, a second data set of a second format, after issuance of the transaction instrument, wherein said second data set is owned by said second data set owner, said first owner is distinct from said second owner, and said first format is different from said second format, said first data set is stored in accordance with said first format, and said second data set is stored in accordance with said second format; and modifying at least one of said first and second data set in said database. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
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24. A system for facilitating management of a plurality of data sets stored on a radio frequency transaction instrument, said transaction instrument comprising:
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at least one data storage area configured to store a first data set in a first format and a second data storage area configured to store a second data set in a second format different from said first format, said first data set associated with a first owner, wherein said first owner is associated with an open transaction instrument and said data storage area configured to store said first data set in said first format independent of said second data set, and, said second data set associated with a second owner, wherein said second owner is associated with a private retailer transaction instrument and said data storage area configured to store said second data set in said second format independent of said first data set; a remote database configured to store a duplicate of information in said first data storage area and said second data storage area; and an interaction device configured to read and write data to said transaction device storage area, said interaction device configured to receive said first and second data sets from said remote data base, and to provide said first and second data sets to said transaction instrument data base, wherein at least one of said first and second data sets stored in said remote database is annotated with a condition header. - View Dependent Claims (25, 26, 27, 28, 29)
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30. A data management system comprising:
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a transaction instrument associated with a first data set of a first format and a second data set of a second format, wherein said first data set is owned by a first owner associated with an open transaction instrument and said second data set is owned by a second owner different from the first owner and said second data set is associated with a private retailer transaction instrument, and wherein said transaction instrument is configured to facilitate at least one of a first data set owner and a user of said transaction instrument in managing said first data set without involvement of an issuer of said transaction instrument, and wherein at least one of said first and second data sets is annotated with a condition header; a database configured to store said first and second data sets, said first data set having a format different from said second format, said database configured to store said first data set in accordance with said first format, and said database configured to store said second data set in accordance with said second format; and an interaction device configured to communicate with said transaction instrument and said database, said interaction device configured to receive said first and second data sets and to provide said first and second data to said transaction instrument. - View Dependent Claims (31, 32)
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Specification