Method and system for a multi-purpose transactional platform

• US 8,768,830 B1
• Filed: 09/08/2011
• Issued: 07/01/2014
• Est. Priority Date: 09/08/2011
• Status: Active Grant

• Current Assignee: Citibank NA (Citigroup Incorporated)
• Original Assignee: Citibank NA (Citigroup Incorporated)
• Inventors: Jorgensen, Marty, Moss, Michael, Syed, Eziah
• Primary Examiner(s): Havan, Thu Thao
• Application Number:
  US13/227,508
• Time in Patent Office: 1,027 Days
• Field of Search: 705 35- 40
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 7/0853 On-card keyboard means

Abstract

Methods and systems described herein can consolidate a plurality of a consumer'"'"'s payment and non-payment source accounts into a consolidated platform with a customer identification or available proxy account numbers that can be assigned to source accounts. The source accounts can be, for example, credit card accounts, ATM accounts, debit card accounts, demand deposit accounts, stored-value accounts, merchant-loyalty card accounts, membership accounts, and identification card numbers. The consumer can access and modify any of the source accounts and manage funds across the source accounts by accessing the consolidated platform with a single access device or mode.

Claims

1. A payment card device comprising:

a first button on the payment card for selecting payment from a first account having a first account number;

a second button on the payment card for selecting payment from a second account having a second account number; and

a processor on the payment card for configuring transaction information to indicate the selection of the first button or the second button, wherein the transaction information includes a transaction account number regardless of whether the first button or the second button was selected.

2. The payment card device according to claim 1, wherein the transaction account number is a credit account number.

3. The payment card device according to claim 1, wherein the first account is selected from the group consisting of a credit card account, a line of credit, a loan account, a checking account, a debit account, a savings account, an investment account, a charge card account, and a rewards account.

4. The payment card device according to claim 3, wherein the second account is selected from the group consisting of a credit card account, a line of credit, a loan account, a checking account, a debit account, a savings account, an investment account, a charge card account, and a rewards account.

5. The payment card device according to claim 1, further comprising a first indicator light to indicate when the first button is selected and a second indicator light to indicate when the second button is selected.

6. The payment card device according to claim 1, wherein the transaction information further comprises a discretionary data field including an element that indicates the selection of the first button or the second button.

7. The payment card device according to claim 1, further comprising an input for entering a personal identification number.

8. The payment card device according to claim 1, wherein the transaction account number is the first account number.

9. A payment card device comprising:

a plurality of buttons on the payment card device;

a first portion of an account number shown on the payment card device;

a display for a second portion of the account number on the payment card device, wherein the second portion of the account number is not shown on the display; and

a processor for receiving a selection of at least one of the plurality of buttons and instructing the display to display the second portion of the account number based on a proper selection of the at least one of the plurality of buttons.

10. A payment card device comprising:

a first button on the payment card for selecting payment from a first account having a first account number;

a second button on the payment card for selecting payment from a second account having a second account number; and

a processor on the payment card for configuring transaction information to indicate the selection of the first button or the second button, wherein the transaction information comprises a discretionary data field including an element that indicates the selection of the first button or the second button.

11. The payment card device according to claim 10, wherein the first account is selected from the group consisting of a credit card account, a line of credit, a loan account, a checking account, a debit account, a savings account, an investment account, a charge card account, and a rewards account.

12. The payment card device according to claim 10, wherein the second account is selected from the group consisting of a credit card account, a line of credit, a loan account, a checking account, a debit account, a savings account, an investment account, a charge card account, and a rewards account.

13. The payment card device according to claim 10, further comprising a first indicator light to indicate when the first button is selected and a second indicator light to indicate when the second button is selected.

14. The payment card device according to claim 10, further comprising an input for entering a personal identification number.

15. The payment card device according to claim 10, wherein the transaction information further comprises a transaction account number regardless of whether the first button or the second button was selected.

16. The payment card device according to claim 15, wherein the transaction account number is a credit account number.

17. The payment card device according to claim 15, wherein the transaction account number is the first account number.