Method and system for processing financial transactions...

Details Method and system for processing financial transactions... Method and system for processing financial transactions...

G - Physics

06

Q

G06Q 20/22 (2012.01)

Patent

CA 2689069

Associating multiple existing financial accounts with a multi-card account. The single multi-card account may allow a cardholder to determine an order for processing a financial transaction among the multiple financial accounts. This ordering may be dependent on the type of financial transaction. Also, the cardholder may allows partial payments from multiple financial accounts, such that a single purchase could be allocated to multiple accounts associated with the multi-card account. These systems and methods minimize the number of cards a cardholder must carry, thus minimizing the chance of losing cards or otherwise having an unauthorized use of an account and also minimizing the chance of an embarrassing rejection of a transaction.

L'invention concerne l'association de plusieurs comptes financiers existants à un compte multicarte. Le compte multicarte unique permet à un titulaire de carte de déterminer un ordre pour le traitement d'une transaction financière parmi plusieurs comptes financiers. Cet ordre peut dépendre du type de transaction financière. Le titulaire de carte peut également autoriser des paiements partiels à partir de plusieurs comptes financiers, de sorte qu'un achat unique puisse être attribué à plusieurs comptes associés au compte multicarte. Ces systèmes et ces procédés réduisent au minimum le nombre de cartes qu'un titulaire doit posséder, réduisant ainsi au minimum le risque de perte de cartes ou d'utilisation non autorisée d'un compte, de même que l'embarrassante situation de refus d'une transaction.

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