# US 2018/0025355 A1 · System for coordinating access to multiple accounts using a single access card > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2018/0025355 A1 - Document ID: US20180025355A1 - Status: Published application - Kind: A1 - Application number: 15/655,599 - Filed: 2017-07-20 - Published: 2018-01-25 - Earliest claimed: 2016-07-20 - Inventors: Craig Potts - Web page: https://patentgrep.com/patent/US20180025355A1 ## CPC - G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists - G06Q 20/24: Credit schemes, i.e. "pay after" - G06Q 20/3572: {Multiple accounts on card} - G06Q 30/0215: {Including financial accounts} - G06Q 30/0229: {Multi-merchant loyalty card systems} - 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 user is able to access multiple accounts located at and/or managed by different organizations, by providing secure exchanges of necessary information so that multiple login details are not necessary. The system coordinates activities between several entities using a communication manager which is configured to manage communication protocols, security and necessary interface requirements so the user can securely access the desired accounts. In addition, the communication manager will include various levels of security measures, including encryption, transaction verification, etc. By managing these details within the communication manager, the user will not need to provide multiple PIN numbers or access codes each time a transaction is desired. ## Claims ### Claim 1 A system for the coordinated access to multiple accounts supported by a plurality of account holding organizations, comprising: a card having at least on data storage mechanism supported thereon, wherein the data storage mechanism maintains data related to at least one of a plurality of accounts; a card reader configured to receive the card and read information stored in the data storage systems; and an account management system in communication with the card reader configured to receive the read information and recognize the plurality of accounts tied to the card within the account management system, the account management system having communication mechanisms to communicate with the account holding organizations, wherein such communication mechanisms will allow a user to securely access any selected one of the multiple accounts. ### Claim 2 (depends on 1) The system of claim 1 wherein the account holding organizations comprise a financial institution and a loyalty program. ### Claim 3 (depends on 2) The system of claim 2 wherein the account management system further incorporates at least one level of security to insure account access is authorized. ### Claim 4 (depends on 3) The system of claim 3 wherein the card is a credit card and the data storage system is a chip embedded within the card. ### Claim 5 (depends on 3) The system of claim 3 wherein the card is a credit card and the data storage system is a magnetic strip carried on the card. ### Claim 6 (depends on 3) The system of claim 3 wherein the card is a loyalty card which contains information necessary to access a loyalty account. ### Claim 7 (depends on 3) The system of claim 3 wherein the account management system requires encryption for all communication. ### Claim 8 (depends on 7) The system of claim 7 wherein the account management system further requires at least one account verification step prior to communicating with the account holding organizations. ### Claim 9 (depends on 8) The system of claim 8 wherein the card reader cooperates with a merchant system when the user is attempting to access accounts while at the merchant's location, and wherein the account management system will receive information from the card reader via the merchant system. ### Claim 10 (depends on 9) The system of claim 9 wherein the merchant is a casino and the user is attempting to access accounts while at the casino. ### Claim 11 (depends on 10) The system of claim 10 wherein the use of a loyalty card at the casino will allow access to a financial account at the financial institution based upon predetermined information contained within account management system. ### Claim 12 A system for the coordinated access to multiple accounts supported by a plurality of account holding organizations, comprising: a card having at least on data storage mechanism supported thereon, wherein the data storage mechanism maintains data related to a user and to least one of a plurality of accounts held by the user; a card reader operating in conjunction with a merchant computing system, wherein the card reader is configured to receive the card and read information stored in the data storage systems, and to provide selected information to the merchant; and an account management system in communication with the merchant computing system and a plurality of account holding organizations, the account management system configured to recognize that the card is tied to the multiple accounts, the account management system further having communication mechanisms to securely communicate with the plurality account holding organizations supporting the multiple accounts so that the user will be able to securely access any selected one of the multiple accounts, the account management system incorporating at least one level of security in all communications with the account holding organizations to prevent unauthorized access to any one of the multiple accounts. ### Claim 13 (depends on 12) The system of claim 12 wherein the merchant computing system is associated with a casino and the account holding organization is a financial institution, such that a user is able to access multiple financial accounts held by the financial institution while at the casino. ### Claim 14 (depends on 13) The system of claim 13 wherein the card is a casino loyalty card and the user is able to access the multiple financial accounts using only the loyalty card. ### Claim 15 (depends on 12) The system of claim 12 wherein the communication mechanisms include encrypted communication using a predetermined encryption scheme, and wherein the merchant computing system, account management system and systems within the account holding organization are all configured to utilize a predetermined communication protocol. ### Claim 16 (depends on 15) The system of claim 15 wherein the merchant computing system is associated with a casino and the account holding organization is a financial institution, such that a user is able to access multiple financial accounts held by the financial institution while at the casino using only a casino loyalty card.