Multiple financial account transaction processing
AssigneeToshiba Global Commerce Solutions Holdings Corporation
InventorsJosef Scherpa, Andrew L. Schirmer
Life of this patent
Estimating the term…
Abstract
A computer-implemented method of point of sale transaction processing can include determining an identity of a user at a transaction site, identifying a plurality of financial accounts associated with the user, and for each financial account, accessing account information associated with the account. The method can include identifying a vendor type for the transaction site, selecting a financial account with which to process a transaction according to the vendor type and the account information for each of the plurality of accounts, and outputting the selected financial account. A list of financial accounts and incentives may be presented from which a user may select a particular financial account for processing the transaction.
Claims17
A computer-implemented method of point of sale transaction processing, the method comprising:
- determining, via a processor, an identity of a user at a point of sale transaction site;
- identifying, via the processor, a plurality of financial accounts associated with the user;
- for each financial account, via the processor, accessing account information associated with the account;
- identifying, via the processor, a vendor type for the point of sale transaction site;
- comparing, via the processor, transaction incentives provided to the user by each financial account;
- selecting, via the processor, a financial account with which to process a transaction according to the vendor type, the transaction incomes provided to the user by each financial account, and the account information for each of the plurality of accounts;
- and
- outputting, via the processor, the selected financial account.
A computer-implemented method of transaction processing on a computing device, the method comprising:
- identifying, via a processor, a plurality of financial accounts associated with a user during a computer based transaction with a vendor;
- for each financial account, accessing, via the processor, account information associated with the account;
- comparing, via the processor, transaction incentives provided to the user by each financial account;
- identifying, via the processor, a vendor type for the vendor;
- selecting, via the processor, a financial account with which to process a transaction according to the vendor type, the transaction incentives provided to the user by each financial account, and the account information for each of the plurality of accounts;
- and
- outputting, via the processor, the selected financial account.
A computer program product comprising:
- a non-transitory computer readable medium comprising computer readable program code stored thereon that processes a point of sale transaction, the computer readable medium comprising:
- computer readable program code that determines an identity of a user at a point of sale transaction site;
- computer readable program code that identities a plurality of financial accounts associated with the user;
- and
- computer readable program code that for each financial account, accesses account information associated with the account;
- computer readable program code that compares transaction incentives provided to the user by each financial account;
- computer readable program code that identifies a vendor type for the point of sale transaction site;
- computer readable program code that selects a financial account with which to process a transaction according to the vendor type, the transaction incentives provided to the user by each financial account, and the account information for each of the plurality of accounts;
- and
- computer readable program code that outputs the selected financial account.
Dependencies are inferred from the claim text.