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    • 9. 发明申请
    • METHOD AND SYSTEM FOR MULTIPLE ACCOUNT, TOKEN-BASED SINGLE TRANSACTIONS
    • 用于多个账户,基于TOKEN的单一交易的方法和系统
    • US20090057396A1
    • 2009-03-05
    • US12199601
    • 2008-08-27
    • Eric BarbourNeil Barbour
    • Eric BarbourNeil Barbour
    • G07F19/00
    • G06Q20/405G06Q20/20
    • Systems and methods configured to enable a consumer to use a token (such as a magnetic stripe card, a smart chip, a bio-metric tool, etc.) linked to a plurality of financial accounts belonging to the consumer to complete a purchase or a financial transaction are described. The information stored in the token may be used to retrieve information from a central server about the various financial accounts (such as credit accounts, savings/checking accounts, money market accounts, home equity accounts, etc.) belonging to the consumer. The consumer may be presented with the option of making the purchase using either one of his financial accounts or more of the available financial accounts.
    • 被配置为使得消费者能够使用与属于消费者的多个财务帐户相关联的令牌(例如磁条卡,智能芯片,生物计量工具等)来完成购买或者 描述金融交易。 存储在令牌中的信息可以用于从中央服务器检索关于属于消费者的各种金融账户(例如信用账户,储蓄/支票帐户,货币市场账户,房屋权益账户等)的信息。 可以向消费者呈现使用他的一个财务账户或更多可用的财务账户进行购买的选择。