Single payment card for flexible payment vehicle options for a transaction

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United States of America Patent

PATENT NO 9514456
APP PUB NO 20140279471A1
SERIAL NO

13827665

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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Embodiments of the invention are directed to a system, method, or computer program product for providing a customer with a single transaction card that is tied to the customer's available payment vehicles. As such, the single transaction card may be utilized by the customer to complete a transaction with a merchant. Subsequently, based on customer rules or customer selection, the invention may direct the transaction to the selected payment vehicle. Rules include any preferences that a customer may input that allows the invention to automatically apply a single transaction card transaction to a payment vehicle. As such, rules may be trigged for a specific merchant, a specific transaction amount, a specific location, and/or the like. If a rule is triggered by a transaction made with the single transaction card, the triggered transaction will be automatically applied to the payment vehicle tied to that rule.

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First Claim

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Patent Owner(s)

  • BANK OF AMERICA CORPORATION

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Calman, Matthew A Charlotte, US 241 8657
England, Tony Tega Cay, US 80 1349
Harkey, Scott Lee Concord, US 43 1229

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