Geographic area multiple service card system
First Claim
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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; 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.
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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
15 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; 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. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method for obtaining access to a transportation system by using a multiple service transaction device to charge a fee to a financial account, wherein said fee is related to said access, said method including:
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maintaining, by a provider of credit services, said financial account corresponding to said multiple service transaction device of a 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 that 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 (9, 10)
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11. A method for obtaining a service of a service partner by using a multiple service transaction device to redeem loyalty points, said method including:
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maintaining, via a provider of credit services, a database for storing loyalty points in a loyalty account corresponding to a consumer; receiving a request, from said multiple service transaction device, to redeem an amount of said loyalty points to obtain said 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 requested amount of said loyalty points to redeem; and
,crediting said service partner account. - View Dependent Claims (12, 13, 14, 15)
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Specification