Multiple credit line presentation instrument

Details Multiple credit line presentation instrument Multiple credit line presentation instrument

G - Physics

06

Q

G06Q 20/00 (2006.01)

Patent

CA 2498172

The present invention provides systems and methods for consummating transactions realized using credit cards and other types of presentation instruments. The methods can include, inter alia, identifying a presentation instrument associated with a transaction request. Such a presentation instrument is associated with at least two underlying accounts, and it is determined the proportion in which to apply the amount of the transaction request to the underlying accounts. The systems can include various hardware and software used to implement this and other methods.

L'invention concerne des systèmes et des procédés de finalisation de transactions effectuées par carte de crédit et d'autres types d'instruments de présentation. Ces procédés peuvent consister notamment à identifier un instrument de présentation associé à une demande de transaction. Cet instrument de présentation est associé à au moins deux comptes sous-jacents. La proportion dans laquelle la somme de la demande de transaction doit être appliquée aux comptes sous-jacents est alors déterminée. Les systèmes peuvent comprendre plusieurs équipements matériel et logiciels utilisés pour mettre en oeuvre ce procédé ainsi que d'autres.

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