Patent ID: 9619792
Date: 2017-04-11
CPC Classifications: G06Q

Claim:
1. A method comprising: receiving a request, at a mobile device, to add a first account to a payment proxy card, providing, by the mobile device, a user interface that enables use of the mobile device to take a photo of a card that includes an image that represents the first account; capturing, by the mobile device, the photo of the card by use of the user interface to produce a captured image that represents the first account; determining, at the mobile device or the computer system, account information for the first account based on an analysis of the captured image, causing the first account to be added to a set of accounts that constitute the plurality of accounts, to enable the payment proxy card to be capable of use to initiate an electronic payment based on the first account; in response to input by the user, sending a message, by the mobile device, to the computer system, to cause a selection policy to be customized for the user, wherein the selection policy is for use to determine which of the plurality of accounts to use for an electronic payment that is initiated based on use of the payment proxy card at a POS system; receiving a message, by the mobile device, from the computer system, that indicates that the user used the payment proxy card at a POS system of a payee to initiate a payment in association with a financial transaction; receiving a partial payment message, by the mobile device, from the computer system, that indicates that the computer system selected, based on the selection policy, the first account for use for a first portion of the payment; based on the partial payment message, displaying, by the mobile device, information associated with a second account associated with the proxy payment card to enable the user to indicate, while at the POS system, a selection of the second account for use in association with the payment; and based on the selection of the second account, sending a message, by the mobile device, to the computer system, to cause funds for a second portion of the payment to be obtained based on the second account.