Method for providing a credit cardholder with multiple funding options

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United States of America Patent

PATENT NO 9858554
SERIAL NO

12537853

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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A method and a system for providing a payment cardholder with multiple funding source options for a payment card are provided herein. First, a managing platform associates at least two funding sources with the payment card. The funding sources include a first funding source and a second funding source. Next, the first funding source is designated as a default funding source and a set of pre-defined routing rules for funding transactions made with the payment card. Then, the managing platform intercepts each transaction of the payment card and routes the transactions to an issuer funding system for the first funding source using the managing platform.

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Patent Owner(s)

  • MASTERCARD INTERNATIONAL INCORPORATED

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Fourez, Pablo Waterloo, BE 16 386
Tichelaer, Mikael Leuven, BE 3 73

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Jul 2, 2025
11.5 Year Payment $7400.00 $3700.00 $1850.00 Jul 2, 2029
Fee Large entity fee small entity fee micro entity fee
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00