# US 2014/0207683 A1 · Combination payment card and methods thereof

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- Number: US 2014/0207683 A1
- Document ID: US20140207683A1
- Status: Published application
- Kind: A1
- Application number: 14/221,792
- Filed: 2014-03-21
- Published: 2014-07-24
- Earliest claimed: 2012-08-30
- Assignees: Worldpay, LLC
- Inventors: Bryan T. Bailey; Edward D. Paciolla
- Web page: https://patentgrep.com/patent/US20140207683A1

## CPC

- G06Q 20/3572: {Multiple accounts on card}
- G06Q 20/06: Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 20/202: {Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR}
- G06Q 20/227: {characterised in that multiple accounts are available, e.g. to the payer}
- G06Q 20/28: Pre-payment schemes, e.g. "pay before"
- G06Q 20/349: {Rechargeable cards}
- G06Q 30/0207: Discounts or incentives, e.g. coupons or rebates
- 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

Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.

## Claims

### Claim 1

A non-transitory computer readable medium having instructions stored thereon which when executed by a processor cause the processor to:
receive transaction information from an acquirer through a sponsoring network, the transaction information comprising an authorization request, a payment card account number, and a merchant identifier;
determine whether the payment card account number identifies a combination payment card, wherein the combination payment card has an assigned card number that is associated with both a closed-loop account and an open-loop account, wherein the closed-loop account associated with the assigned card number is affiliated with a closed-loop merchant and the open-loop account associated with the assigned card number is affiliated with the sponsoring network;
when the payment card account number identifies the combination payment card:
determine, based on the merchant identifier, whether the transaction information is received from the closed-loop merchant;
when the received transaction information is from the closed-loop merchant, determine whether the closed-loop account has sufficient funds;
when the closed-loop account has sufficient funds, cause an authorization of sale to be transmitted to the acquirer through the sponsoring network;
when the received transaction information is not from the closed-loop merchant, determine whether the open-loop account has sufficient funds;
when the open-loop account has sufficient funds, cause an authorization of sale to be transmitted to the acquirer through the sponsoring network; and
when the payment card account number is not associated with the combination payment card, determine whether a payment card account identified by the payment card account number has sufficient funds.

### Claim 2 (depends on 1)

The non-transitory computer readable medium of claim 1, wherein the assigned card number of the combination payment card is associated with a plurality of closed-loop accounts, wherein each of the plurality of closed-loop accounts is affiliated with a respective closed-loop merchant.

### Claim 3 (depends on 1)

The non-transitory computer readable medium of claim 1, wherein the closed-loop account is affiliated with a plurality of closed-loop merchants.

### Claim 4 (depends on 1)

The non-transitory computer readable medium of claim 1, wherein the instructions, when executed by the processor, further cause the processor to:
when the closed-loop account has insufficient funds, determine an amount of deficiency; and
determine whether the open-loop account has sufficient funds to cover the amount of deficiency.

### Claim 5 (depends on 1)

The non-transitory computer readable medium of claim 1, wherein determining whether the payment card account number identifies a combination payment card comprises comparing at least a portion of the payment card account number to a plurality of combination payment card account numbers.

### Claim 6 (depends on 5)

The non-transitory computer readable medium of claim 5, wherein the plurality of combination payment card account numbers comprises a range of bank identification numbers (BINs).

### Claim 7 (depends on 5)

The non-transitory computer readable medium of claim 5, wherein the plurality of combination payment card account numbers comprises a range of issuer identification numbers (IINs).

### Claim 8

A non-transitory computer readable medium having instructions stored thereon which when executed by a processor cause the processor to:
receive transaction information from an acquirer through a sponsoring network, the transaction information comprising an authorization request and a payment card account number;
determine whether the payment card account number is associated with a combination payment card, wherein the combination payment card has an assigned card number that is associated with both a closed-loop prepaid account that is affiliated with a merchant and a prepaid account that is affiliated with the sponsoring network;
when the payment card account number is associated with a combination payment card and the transaction information is received from the merchant, cause an authorization to be transmitted to the acquirer through the sponsoring network when the closed-loop prepaid account has sufficient funds to cover the authorization request;
when the payment card account number is associated with a combination payment card and the transaction information is not received from the merchant, determine whether the prepaid account has sufficient funds to cover the authorization request; and
when the payment card account number is not associated with the combination payment card, determine whether a payment card account associated with the payment card account number has sufficient funds to cover the authorization request.

### Claim 9 (depends on 8)

The non-transitory computer readable medium of claim 8, wherein the assigned card number of the combination payment card is associated with a plurality of closed-loop prepaid accounts.

### Claim 10 (depends on 8)

The non-transitory computer readable medium of claim 8, wherein the instructions, when executed by the processor, further cause the processor to:
when the closed-loop prepaid account has insufficient funds to cover the authorization request, determine an amount of deficiency; and
determine whether the prepaid account has sufficient funds to cover the amount of deficiency.

### Claim 11 (depends on 8)

The non-transitory computer readable medium of claim 8, wherein determining whether the payment card account number is associated with a combination payment card comprises comparing at least a portion of the payment card account number to the assigned account number of a combination payment card.

### Claim 12 (depends on 8)

The non-transitory computer readable medium of claim 8, wherein the instructions, when executed by the processor, further cause the processor to:
determine whether the combination payment card is associated with the merchant.

### Claim 13 (depends on 12)

The non-transitory computer readable medium of claim 12, wherein the transaction information comprises a merchant identifier (MID), and wherein determining whether the combination payment card is associated with the merchant comprises comparing the MID to a MID associated with the closed-loop prepaid account.

### Claim 14

A payment processing system, comprising:
a combination payment card, wherein the combination payment card has an assigned card number that is associated with both a closed-loop account and an open-loop account, wherein the closed-loop account associated with the assigned card number is affiliated with a closed-loop merchant and the open-loop account associated with the assigned card number is affiliated with a sponsoring network;
a payment processor, wherein the payment processor is one of an acquirer and an issuer, wherein the payment processor is configured to:
receive transaction information comprising an authorization request, a payment card account number, and a merchant identifier;
determine whether the payment card account number identifies the combination payment card;
when the payment card account number identifies the combination payment card:
determine, based on the merchant identifier, whether the transaction information is associated with the closed-loop merchant;
when the received transaction information is associated with the closed-loop merchant, determine whether the closed-loop account has sufficient funds;
when the closed-loop account has sufficient funds, cause an authorization of sale to be transmitted;
when the received transaction information is not from the closed-loop merchant, determining whether the open-loop account has sufficient funds;
when the open-loop account has sufficient funds, cause an authorization of sale to be transmitted; and
when the payment card account number is not associated with the combination payment card, determine whether a payment card account identified by the payment card account number has sufficient funds.

### Claim 15 (depends on 14)

The payment processing system of claim 14, wherein the closed-loop account is a pooled gift card account.

### Claim 16 (depends on 14)

The payment processing system of claim 14, wherein when an available amount of funds in the closed-loop account is insufficient to cover a requested fund amount the payment processor is configured to cause the debiting of the open-loop account to cover a deficiency payment amount.

### Claim 17 (depends on 14)

The payment processing system of claim 14, wherein the open-loop account is a prepaid account associated with the sponsoring network.

### Claim 18 (depends on 14)

The payment processing system of claim 14, wherein the assigned card number comprises a bank identification number (BIN).

### Claim 19 (depends on 14)

The payment processing system of claim 14, wherein the assigned card number comprises a issuer identification number (UN).

### Claim 20 (depends on 14)

The payment processing system of claim 14, wherein the combination payment card is a physical card.