公开(公告)号：US20070023504A1

公开(公告)日：2007-02-01

申请号：US11437052

申请日：2006-05-19

申请人： Barry Blankenship ,  Keith Fulton ,  Milton Li ,  Quynh Pham

发明人： Barry Blankenship ,  Keith Fulton ,  Milton Li ,  Quynh Pham

IPC分类号： G06K5/00 ,  G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/40

摘要： A system, method, computer program and product to allow a card processor to use a single card with a card account number for payment from different account fund buckets. The first account fund bucket is an unrestricted general account fund bucket with funds available to make purchases of goods and services. The second account fund bucket is a restricted account fund bucket that can be used for the purchase of third party administrator approved goods and services. The card processor determines if a transaction is for third party administrator approved goods and services. If the requested transaction is for approved goods and services, the card processor deducts the costs of the approved goods and services first from the second restricted account fund bucket, and then from the first unrestricted account fund bucket. If sufficient funds are not available in the multiple account buckets, the card processor denies the requested transaction.

摘要翻译： 一种系统，方法，计算机程序和产品，以允许卡处理器使用具有卡帐号的单个卡来从不同的帐户资金桶进行支付。 第一个帐户资金桶是一个无限制的普通帐户资金桶，可用于购买商品和服务。 第二个帐户资金桶是一个受限制的帐户资金桶，可用于购买第三方管理员批准的商品和服务。 卡处理器确定交易是否为第三方管理员批准的商品和服务。 如果所要求的交易是批准的商品和服务，卡处理器首先从第二个受限制的帐户资金桶中扣除已批准的商品和服务的成本，然后从第一个无限制的帐户资金桶中扣除。 如果多个帐户桶中没有足够的资金，则卡处理器将拒绝所请求的交易。