System and method for combining disparate commercial transactions under a single identification mechanism
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United States of America Patent
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Jan 27, 2015
Issued Date -
N/A
app pub date -
May 4, 2012
filing date -
Dec 3, 2010
priority date (Note) -
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status (Latency Note)
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Abstract
A single swipe system is constructed that allows a person to use a single financial card to receive loyalty benefits (or conduct other non-payment operations) concurrently with a payment transaction. In one embodiment, the user simply swipes his/her financial card and the processing system then concurrently processes a non-payment transaction along with a payment transaction. In some situations, the non-payment transaction can be blended into the payment transaction to allow for discounts and other awards from one or more databases other than the payment processing database. In one embodiment, a single swipe of a financial card connects the consumer with one or more loyalty systems and the consumer can select from the ones desired during the course of payment processing. Discounts and other advantages can be applied to the payment transaction, all based upon a single entry of the consumer's ID.
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