US 2026/0162093 A1 · MULTI-ACCOUNT PAYMENT CARD

Abstract

Disclosed are various embodiments for a multi-account payment card. A payment proxy service can receive a transaction authorization request from an acquirer system, the transaction authorization request comprising a payment token, wherein the payment token simultaneously represents both a first payment account identifier for a first payment account associated with a first payment processing system and a second payment account identifier for a second payment account associated with a second payment processing system. The payment proxy service can then select the first payment processing system or the second payment processing service as a selected payment processing system based at least in part on an indicator associated with the transaction authorization request. Next, the payment processing service can forward the transaction authorization request to the selected payment processing system.

Claims20

Dependent claims

A system, comprising:

a computing device comprising a processor and a memory;
and
machine-readable instructions stored in the memory that, when executed by the processor, cause the computing device to at least:
receive a transaction authorization request from an acquirer system, the transaction authorization request comprising a payment token, wherein the payment token simultaneously represents both a first payment account identifier for a first payment account associated with a first payment processing system and a second payment account identifier for a second payment account associated with a second payment processing system;
select the first payment processing system or the second payment processing system as a selected payment processing system based at least in part on an indicator associated with the transaction authorization request;
and
forward the transaction authorization request to the selected payment processing system.

4 more elements

A method, comprising:

receiving a transaction authorization request from an acquirer system, the transaction authorization request comprising a payment token, wherein the payment token simultaneously represents both a first payment account identifier for a first payment account associated with a first payment processing system and a second payment account identifier for a second payment account associated with a second payment processing system;
selecting the first payment processing system or the second payment processing system as a selected payment processing system based at least in part on an indicator included with the transaction authorization request;
and
forwarding the transaction authorization request to the selected payment processing system.

1 more element

A non-transitory, computer-readable medium, comprising machine-readable instructions that, when executed by a processor of a computing device, cause the computing device to at least:

receive a transaction authorization request from an acquirer system, the transaction authorization request comprising a payment token, wherein the payment token simultaneously represents both a first payment account identifier for a first payment account associated with a first payment processing system and a second payment account identifier for a second payment account associated with a second payment processing system;
select the first payment processing system or the second payment processing system as a selected payment processing system based at least in part on an indicator included with the transaction authorization request;
and
forward the transaction authorization request to the selected payment processing system.

1 more element

Dependencies are inferred from the claim text.

Multi-account payment card

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Multi-account payment card

Life of this patent

Abstract

Claims20