Selecting a preferred payment instrument
First Claim
1. A computer-implemented method to select payment accounts for proxy card transactions, comprising:
- associating, using one or more computing devices, a plurality of financial accounts with a user proxy account, the user proxy account being maintained by the one or more computing devices;
establishing, using the one or more computing devices, a proxy-backing mapping model for the user account based at least in part on configuration data received from a user associated with the user proxy card account, wherein the proxy-backing mapping model comprises information for identifying which particular financial account from among the plurality of financial accounts to use as a backing financial account for a transaction using the user proxy account;
receiving, using the one or more computing devices, data associated with a pending transaction with a first merchant, the first pending transaction being conducted between a first merchant computing device and the user, the data comprising information regarding the first pending transaction and information provided to the merchant computing device to identify the user proxy account;
identifying, using the one or more computing devices, a financial account from among the plurality of financial accounts to use as a backing financial account for the first pending transaction based at least in part on the proxy-backing mapping model and the first pending transaction data;
receiving, using the one or more computing devices, an input of a selection of an alternate financial account to use instead of the identified financial account as the backing financial account for the first pending transaction;
logging, using the one or more computing devices, the data associated with the pending transaction and the selected, alternate financial account; and
modifying, using the one or more computing devices, the proxy-backing mapping model for the user account based on the selection of the alternate financial account and the data associated with the first pending transaction;
receiving, using the one or more computing devices, data associated with a subsequent pending transaction with a subsequent merchant, the subsequent pending transaction being conducted between a subsequent merchant computing device and the user, the subsequent transaction data comprising information regarding the subsequent pending transaction and information provided to the subsequent merchant computing device to identify the user proxy account; and
executing, using the one or more computing devices, the updated proxy-backing mapping model to identify the alternate financial account to use as the backing financial account for the subsequent pending transaction instead of the first financial account.
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Accused Products
Abstract
Selecting payment instruments for proxy card transactions comprises associating a plurality of financial accounts with a user proxy account; establishing a model for the user account based on configuration data received from a user, the model comprising identification of a particular financial account to use as a backing instrument for a transaction; receiving data associated with a pending transaction regarding the pending transaction; identifying a financial account to use as a backing instrument for the pending transaction based on a comparison of the model with the pending transaction data; receiving a selection of an alternate financial account to use instead of the identified financial account as the backing instrument; modifying the model account based on the selection of the alternate financial account and the data associated with the pending transaction; and utilizing the modified model in a subsequent selection of a financial account for a subsequent transaction.
222 Citations
21 Claims
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1. A computer-implemented method to select payment accounts for proxy card transactions, comprising:
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associating, using one or more computing devices, a plurality of financial accounts with a user proxy account, the user proxy account being maintained by the one or more computing devices; establishing, using the one or more computing devices, a proxy-backing mapping model for the user account based at least in part on configuration data received from a user associated with the user proxy card account, wherein the proxy-backing mapping model comprises information for identifying which particular financial account from among the plurality of financial accounts to use as a backing financial account for a transaction using the user proxy account; receiving, using the one or more computing devices, data associated with a pending transaction with a first merchant, the first pending transaction being conducted between a first merchant computing device and the user, the data comprising information regarding the first pending transaction and information provided to the merchant computing device to identify the user proxy account; identifying, using the one or more computing devices, a financial account from among the plurality of financial accounts to use as a backing financial account for the first pending transaction based at least in part on the proxy-backing mapping model and the first pending transaction data; receiving, using the one or more computing devices, an input of a selection of an alternate financial account to use instead of the identified financial account as the backing financial account for the first pending transaction; logging, using the one or more computing devices, the data associated with the pending transaction and the selected, alternate financial account; and modifying, using the one or more computing devices, the proxy-backing mapping model for the user account based on the selection of the alternate financial account and the data associated with the first pending transaction; receiving, using the one or more computing devices, data associated with a subsequent pending transaction with a subsequent merchant, the subsequent pending transaction being conducted between a subsequent merchant computing device and the user, the subsequent transaction data comprising information regarding the subsequent pending transaction and information provided to the subsequent merchant computing device to identify the user proxy account; and executing, using the one or more computing devices, the updated proxy-backing mapping model to identify the alternate financial account to use as the backing financial account for the subsequent pending transaction instead of the first financial account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A computer program product, comprising:
a non-transitory computer-readable storage device having computer-executable program instructions embodied thereon that when executed by a computer cause the computer to select payment instruments for proxy card transactions, the computer-executable program instructions comprising; computer-executable program instructions to associate a plurality of financial accounts with a user proxy account, the user proxy account being maintained by the one or more computing devices; computer-executable program instructions to establish a proxy-backing mapping model for the user account based on configuration data received from a user associated with the user proxy card account, wherein the proxy-backing mapping model comprises information for identifying which particular financial account from among the plurality of financial accounts to use as a backing instrument for a transaction using the user proxy account; computer-executable program instructions to receive data associated with a pending transaction with a first pending transaction with a first merchant, the first pending transaction being conducted between a first merchant computing device and the user, the data comprising information regarding the first pending transaction and information provided to the merchant computing device to identify the user proxy account; computer-executable program instructions to identify a financial account from among the plurality of financial accounts to use as a backing instrument for the first pending transaction based at least in part on the proxy-backing mapping model and the first pending transaction data; computer-executable program instructions to receive an input of a selection of an alternate financial account to use instead of the identified financial account as the backing instrument for the first pending transaction; computer-executable program instructions to log the data associated with the pending transaction and the selected, alternate financial account; computer-executable program instructions to modify the proxy-backing mapping model for the user account based on the selection of the alternate financial account and the data associated with the pending transaction; computer-executable program instructions to data associated with a subsequent pending transaction with a subsequent merchant, the subsequent pending transaction being conducted between a subsequent merchant computing device and the user, the subsequent transaction data comprising information regarding the subsequent pending transaction and information provided to the subsequent merchant computing device to identify the user proxy account; and computer-executable program instructions to execute the updated proxy-backing mapping model to identify the alternate financial account to use as the backing financial account for the subsequent pending transaction instead of the first financial account. - View Dependent Claims (12, 13, 14, 15, 16, 17)
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18. A system to select payment instruments for proxy card transactions, the system comprising:
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a storage resource; and a processor communicatively coupled to the storage resource, wherein the processor executes application code instructions that are stored in the storage resource and that cause the system to; associate a plurality of financial accounts with a user proxy account, the user proxy account being maintained by the one or more computing devices; establish a proxy-backing mapping model for the user account based on configuration data received from a user associated with the user proxy card account, wherein the proxy-backing mapping model comprises information for identifying which particular financial account from among the plurality of financial accounts to use as a backing instrument for a transaction using the user proxy account; receive data associated with a first pending transaction with a first merchant, the first pending transaction being conducted between a first merchant computing device and the user, the data comprising information regarding the first pending transaction and information provided to the merchant computing device to identify the user proxy account; identify a financial account from among the plurality of financial accounts to use as a backing instrument for the first pending transaction based at least in part on the proxy-backing mapping model and the first pending transaction data; receive an input of a selection of an alternate financial account to use instead of the identified financial account as the backing instrument for the first pending transaction; log the data associated with the first pending transaction and the selected, alternate financial account; modify the proxy-backing mapping model for the user account based on the selection of the alternate financial account and the data associated with the pending transaction; receive data associated with a subsequent pending transaction with a subsequent merchant, the subsequent pending transaction being conducted between a subsequent merchant computing device and the user, the subsequent transaction data comprising information regarding the subsequent pending transaction and information provided to the subsequent merchant computing device to identify the user proxy account; and execute the updated proxy-backing mapping model to identify the alternate financial account to use as the backing financial account for the subsequent pending transaction instead of the first financial account. - View Dependent Claims (19, 20, 21)
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Specification