Multiple-service card system
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 membership in the service partner establishment;
reviewing said application for fields which include service partner information;
extracting said service partner information from said application for a multiple-service card;
communicating said service partner information to a service partner to determine if said service partner desires to provide access into said service partner establishment and to purchase goods and services from said service partner using said particular credit card;
reviewing said application for fields which include credit card application information;
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; and
if said provider of credit services desires to extend credit to the consumer, establishing an account associated with said consumer, initiating processing, statementing, billing, accounting, and servicing functions relating to said account and causing a multiple-service card to be sent to the consumer, wherein said multiple-service card is configured for providing a primary party'"'"'s services and a service partner'"'"'s services.
1 Assignment
0 Petitions
Accused Products
Abstract
A system and method for providing a multiple-service card is disclosed. As a result, a card member 108 is provided with a single card that serves as both a credit card and a club membership card for access to the service partner'"'"'s exclusive club. 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 membership information suitable to permit entry into a service partner'"'"'s facility. 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 membership cancellation process, and a process for cancellation and/or transfer by a primary party.
183 Citations
11 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 membership in the service partner establishment;
reviewing said application for fields which include service partner information;
extracting said service partner information from said application for a multiple-service card;
communicating said service partner information to a service partner to determine if said service partner desires to provide access into said service partner establishment and to purchase goods and services from said service partner using said particular credit card;
reviewing said application for fields which include credit card application information;
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; and
if said provider of credit services desires to extend credit to the consumer, establishing an account associated with said consumer, initiating processing, statementing, billing, accounting, and servicing functions relating to said account and causing a multiple-service card to be sent to the consumer, wherein said multiple-service card is configured for providing a primary party'"'"'s services and a service partner'"'"'s services. - View Dependent Claims (2, 3, 4, 5, 6, 7)
a. requesting a card replacement administrator to create a replacement card;
b. in response to said request, said card replacement administrator communicating with a card service engine;
c. said card service engine communicating account information to a card generator;
d. said card generator communicating account information to the service partner; and
e. said service partner communicating account information to the card replacement administrator.
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3. The method of claim 1 further comprising canceling a service partner membership, wherein said canceling comprises:
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a. transmitting a file comprising indicia of an account to be canceled, b. producing a cancellation report, and c. producing a balancing report.
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4. The method of claim 1 further comprising canceling a primary party account, wherein said canceling comprises:
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a. transmitting a file comprising indicia of an account to be canceled, b. producing a cancellation report, and c. producing a balancing report.
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5. The method of claim 1 further comprising transferring an account to a second service partner, wherein said transferring comprises:
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a. transmitting a file comprising indicia of a service partner account, b. producing a transferring account report, and c. producing a balancing report.
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6. The method of claim 1, further comprising calculating and issuing a rebate on said credit card, wherein said rebate is based upon purchasing products and services at said service partner.
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7. The method of claim 1, further comprising assigning a product control number to said application.
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8. A 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 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 membership in the service partner establishment;
reviewing said application for fields which include service partner information;
extracting said service partner information from said application for a multiple-service card communicating said service partner information to a service partner to determine if said service partner desires to provide access into said service partner establishment and to purchase goods and services from said service partner using said particular credit card;
reviewing said application for fields which include credit card application information;
extracting said credit card application information from said application for a multiple 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; and
if said provider of credit services desires to extend credit to the consumer, establishing an account associated with said consumer, initiating processing, statementing, billing, accounting, and servicing functions relating to said account and causing a multiple-service card to be sent to the consumer, wherein said multiple-service card is configured for providing a primary party'"'"'s services and a service partner'"'"'s services. - View Dependent Claims (9, 10, 11)
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Specification