Associating an account with a card
AssigneeSquare, Inc.
InventorsKartik Lamba, Rodion Steshenko, Jesse Dorogusker
Life of this patent
Estimating the term…
Abstract
A method and apparatus for associating an account with a proxy card are disclosed. The proxy card can be associated with account data from multiple other cards, such as account data from a driver's license and from various payment cards, such as a credit card, a debit card, and a pre-paid gift card. In some embodiments, a card-holder can associate an additional card with the proxy card using a mobile device. The mobile device associates the additional card with the proxy card by causing updating of stored association information, that represents an association between the card and the account data of the multiple cards, with the account information.
Claims14
A method, comprising:
- receiving, at a computing system and for a payment transaction involving a plurality of items, information associated with a purchaser, wherein the information is associated with a plurality of accounts, and wherein each of the plurality of accounts is associated with distinct account information maintained by the computing system;
- receiving, at the computing system and from a point-of-sale (POS) system, identifying information for the plurality of items involved in the payment transaction, wherein receiving the identifying information comprises receiving a first identifier for a first item of the plurality of items and a second identifier for a second item of the plurality of items;
- determining, at the computing system, and based on the first identifier for the first item, a first account of the plurality of accounts to process a first aspect of the payment transaction corresponding to the first item;
- determining, at the computing system, and based on the second identifier for the second item, a second account of the plurality of accounts to process a second aspect of the payment transaction corresponding to the second item, wherein the first account determined for the first item is different from the second account determined for the second item;
- and
- processing, at the computing system, at least the first aspect and the second aspect of the payment transaction based on the determined first account and the determined second account.
A system, comprising:
- a communication interface;
- a processor coupled to the communication interface to communicate with one or more devices over a communication network;
- and
- a memory coupled to the processor and having instructions stored thereon that when executed by the processor cause the processor to:
- receive, via the communication interface, information associated with a purchaser for a payment transaction involving a plurality of items, wherein the information is associated with a plurality of accounts, and wherein each of the plurality of accounts is associated with distinct account information maintained by the computing system;
- receive, via the communication interface and from a point-of-sale (POS) system, identifying information for the plurality of items involved in the payment transaction, wherein to receive the identifying information, the instructions cause the processor to receive a first identifier for a first item of the plurality of items and a second identifier for a second item of the plurality of items;
- determine, based on the first identifier for the first item, a first account of the plurality of accounts to process a first aspect of the payment transaction corresponding to the first item;
- determine, based on the second identifier for the second item, a second account of the plurality of accounts to process a second aspect of the payment transaction corresponding to the second item, wherein the first account determined for the first item is different from the second account determined for the second item;
- and
- process at least the first aspect and the second aspect of the payment transaction based on the determined first account and the determined second account.
Dependencies are inferred from the claim text.