# US 10,311,430 B2 · Proxy card providing indirect funds access

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- Number: US 10,311,430 B2
- Document ID: US10311430B2
- Status: Granted
- Kind: B2
- Application number: 14/282,181
- Filed: 2014-05-20
- Published: 2014-09-11
- Granted: 2019-06-04
- Earliest claimed: 2007-08-06
- Assignees: Enpulz, LLC
- Applicants: Enpulz, LLC
- Inventors: James D. Bennett
- Web page: https://patentgrep.com/patent/US10311430B2

## CPC

- G06Q 20/3572: {Multiple accounts on card}
- G06Q 20/105: {involving programming of a portable memory device, e.g. IC cards, "electronic purses"}
- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 30/06: Buying, selling or leasing transactions
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

A proxy card used at an ATM, or at any vendor store, that has a legacy point of sale unit or at a store with the smart point of sale. In general, it can be used with any vendor and otherwise as any credit or debit card might be used. The point-of sale unit interacts with a multi-source processing system (MSPS) that, instead of servicing a single money source, interacts with more than one of a plurality of monetary sources that may be associated with the proxy card. The money transferred from credit or debit accounts of the user may be either transferred directly or indirectly via a proxy central account associated with the MSPS that a user maintains.

## Claims

### Claim 1

A proxy card that supports interaction with a management system comprising:
an associated proxy card number that is stored within the management system with reference to a first buyer, a first monetary account, and a second monetary account;
wherein the proxy card has no independent monetary account association, and is configured to support a purchase transaction indirectly with support of the management system according to a transaction rule that defines allocating a purchase amount between the first monetary account and the second monetary account; and
wherein the proxy card supports deactivation via a disassociation with the first monetary account and the second monetary account without having to engage in a monetary account closure.

### Claim 2 (depends on 1)

The proxy card of claim 1, wherein the transaction rule defines a priority ordering relating to the first monetary account and the second monetary account.

### Claim 3 (depends on 1)

The proxy card of claim 1, wherein the management system supports creation of the transaction rule.

### Claim 4 (depends on 1)

The proxy card of claim 1, wherein the transaction rule can be modified via interaction from the first buyer.

### Claim 5 (depends on 1)

The proxy card of claim 1, wherein the transaction rule includes accessing the second monetary account only if the first monetary account is insufficient.

### Claim 6 (depends on 1)

The proxy card of claim 1, wherein the transaction rule defines a priority ordering relating to the first monetary account and the second monetary account.

### Claim 7 (depends on 1)

The proxy card of claim 1, wherein the transaction rule defines a split between the first monetary account and the second monetary account.

### Claim 8 (depends on 1)

The proxy card of claim 1, wherein the transaction rule causes the purchase amount to be applied to the first monetary account or the second monetary account based upon a transaction type.

### Claim 9 (depends on 1)

The proxy card of claim 1, wherein the transaction rule causes the purchase amount to be applied to the first monetary account or the second monetary account based upon respective interest rates charged.

### Claim 10 (depends on 1)

The proxy card of claim 1, wherein the first monetary account is a credit account and the second monetary account is a debit account.

### Claim 11 (depends on 1)

The proxy card of claim 1, wherein both the first monetary account and the second monetary account are a same type of account.