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    • 9. 发明申请
    • SYSTEMS, METHODS, AND DEVICES FOR COMBINED CREDIT CARD AND STORED VALUE TRANSACTION ACCOUNTS
    • 组合信用卡和存储价值交易账户的系统,方法和设备
    • US20110078082A1
    • 2011-03-31
    • US12961909
    • 2010-12-07
    • Ashish Gupta
    • Ashish Gupta
    • G06Q40/00
    • G06Q20/227G06Q20/10G06Q20/102G06Q20/14G06Q20/34G06Q20/385G06Q20/40G06Q20/405G06Q40/00
    • The present invention generally relates to a single transaction account identifier that can be used for in transactions with one of multiple transaction accounts. The method includes one or more of the following steps: establishing at least two transaction accounts, wherein the transaction accounts are respectively associated with transaction account identifiers; receiving, at a transaction processing system, a common account identifier; recognizing the common account identifier as being associated with more than one account; and determining, which of the at least two transaction accounts to access for processing the transaction. The determining step may be based on selection criteria and the selection criteria may be modified by a user. One of the first and second transaction account identifiers may be forwarded to the respective first and second transaction accounts based on the determining step; and the transaction may be processed via the selected transaction account.
    • 本发明一般涉及可以用于与多个交易账户之一交易的单个交易账户标识符。 该方法包括以下步骤中的一个或多个:建立至少两个交易账户,其中交易账户分别与交易账户标识符相关联; 在交易处理系统处接收公共账户标识符; 识别公共帐户标识符与多个帐户相关联; 以及确定要访问的至少两个交易账户中的哪一个用于处理该交易。 确定步骤可以基于选择标准,并且可以由用户修改选择标准。 可以基于确定步骤将第一和第二交易账户标识符之一转发到相应的第一和第二交易账户; 并且可以通过所选择的交易账户来处理交易。