Appeal 2007-2451
Application 10/694,925
1
2 The Appellant invented a way for managing integrated credit and stored-value
3 programs involving transactions to be processed with a customer at a point of sale
4 with combined stored-value and credit instruments. In one embodiment, a
5 transaction amount is received at a point-of-sale device, along with information
6 identifying an instrument, e.g. a card, associated with a stored-value account and a
7 credit account. The stored-value account and the credit account are linked
8 substantially contemporaneously with issuance of the instrument to the customer.
9 A distribution of the cost for the transaction among the stored-value and credit
10 accounts is selected at the point-of-sale device, and that distribution is applied to
11 the stored-value and credit accounts.
12 An understanding of the invention can be derived from a reading of exemplary
13 claim 1, which is reproduced below.
14 1. A method for processing a transaction with a customer at a point of
15 sale, the method comprising:
16 receiving, at a point-of-sale device, a cost for the transaction;
17 receiving, at the point-of-sale device, instrument-identification
18 information identifying an instrument associated with a stored-value
19 account and a credit account, wherein the stored-value account and
20 the credit account were linked substantially contemporaneously with
21 issuance of the instrument to the customer;
22 generating a request to select a distribution of the cost for the
23 transaction among the stored-value and credit accounts for
24 presentation at the point-of-sale device;
25 receiving, at the point of sale device, a response to the request that
26 identifies a selected distribution identifying a first nonzero portion of
27 the cost for the transaction to be applied to the stored-value account
28 and a second nonzero portion of the cost for the transaction to be
29 applied to the credit account; and
2
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Last modified: September 9, 2013