초록 ▼

A system and method for processing transactions using a multi-account transaction device. The method comprises the steps of: receiving at least one transaction particular relating to a transaction conducted with a multi-account transaction device; determining at least one first desired account assoc

A system and method for processing transactions using a multi-account transaction device. The method comprises the steps of: receiving at least one transaction particular relating to a transaction conducted with a multi-account transaction device; determining at least one first desired account associated with the multi-account transaction device to which the transaction will be posted; posting the transaction to the at least one first desired account; receiving at least one second desired account to which at least a portion of the transaction should be posted; posting the at least a portion of the transaction to the at least one second desired account; and reconciling the at least one first desired account.

대표청구항 ▼

1. A method for processing transactions using a multi-account transaction card, comprising: providing a customer with a multi-account transaction card, the multi-account transaction card including a first account identifier and a second account identifier, wherein only one of the first account ident

1. A method for processing transactions using a multi-account transaction card, comprising: providing a customer with a multi-account transaction card, the multi-account transaction card including a first account identifier and a second account identifier, wherein only one of the first account identifier and the second account identifier is available for initiation at any time;receiving a desired account identifier selected from the group consisting of the first account identifier and the second account identifier; andposting the transaction to a desired account associated with the desired account identifier; wherein the multi-account transaction card comprises:a first portion comprising the first account identifier;a second portion comprising the second account identifier; anda hinge connecting the first portion and the second portion, wherein the first and second portion are movable between a first position wherein the first account identifier is available for initiation, and a second position where the second account identifier is available for initiation. 2. The method of claim 1, wherein the desired account identifier is received at a point of sale device. 3. The method of claim 1, wherein each of the account identifiers comprises a magnetic stripe. 4. The method of claim 1, wherein each of the account identifiers comprises a RFID device. 5. The method of claim 1, wherein one of the account identifiers is associated with a credit account, and one of the account identifiers is associated with a debit account. 6. The method of claim 1, wherein one of the account identifiers is associated with a stored value account. 7. A multi-account transaction card, comprising: a first portion comprising a first account identifier;a second portion comprising a second account identifier; anda hinge connecting the first portion and the second portion, wherein the first and second portion are movable between a first position wherein only the first account identifier is available for initiation, and a second position where only the second account identifier is available for initiation. 8. The multi-account transaction card of claim 7, wherein each of the account identifiers comprises a magnetic stripe. 9. The multi-account transaction card of claim 7, wherein each of the account identifiers comprises a RFID device. 10. The multi-account transaction card of claim 7, wherein at least one of the first portion and the second portion comprises a metallic substrate. 11. The multi-account transaction card of claim 7, wherein the first account identifiers is associated with a credit account, and the second account identifiers is associated with a debit account. 12. The multi-account transaction card of claim 7, wherein one of the account identifiers is associated with a stored value account. 13. The multi-account transaction card of claim 7, further comprising a closing mechanism.