MULTI-PURSE ONE CARD TRANSACTION APPARATUSES, METHODS AND SYSTEMS
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United States of America Patent
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Issued Date -
Sep 18, 2014
app pub date -
Mar 12, 2014
filing date -
Mar 12, 2013
priority date (Note) -
Abandoned
status (Latency Note)
Importance
Abstract
The Multi-Purse One Card Transaction Apparatuses, Methods And Systems (“MPOC”) transform purchase item information inputs via MPOC components into account payment settlement outputs. In one implementation, the MPOC may obtain purchase item information and consumer digital wallet information at a merchant terminal; obtain consumer payment account usage rules based on the consumer digital wallet information; obtain purchase item category information from the purchase item information; determine that at least one purchase item qualifies for a consumer payment account based on the consumer payment account usage rules; generate a payment authorization request message in compliance with a transaction processing format; and send the generated payment authorization request message to a financial transaction processing server.
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