Patent ID: 7769689
Filing Date: 2010-08-03
Classification: G06Q,G07F

Abstract:
1. A method for processing a transaction with a customer at a point of sale, the method comprising: receiving, at a point-of-sale device, a cost for the transaction; receiving, at the point-of-sale device from an instrument, an instrument identifier identifying the instrument, wherein the instrument identifier is associated with a stored-value account and a credit account, and wherein the stored-value account and the credit account were linked to the instrument identifier at a remote host substantially contemporaneously with issuance of the instrument to the customer; transmitting, from the point-of-sale device to the remote host, the instrument identifier; receiving, at the point-of-sale device from the remote host, account information relating to the stored-value account and the credit account linked to the instrument identifier, the account information generated by the remote host based at least in part on the instrument identifier; generating, based at least in part on the account information, a request to select a distribution of the cost for the transaction among the stored-value and credit accounts; displaying, at the point of sale device, the request; receiving, at the point of sale device, a response to the request that identifies a selected distribution identifying a first nonzero portion of the cost for the transaction to be applied to the stored-value account and a second nonzero portion of the cost for the transaction to be applied to the credit account; and transmitting, from the point-of-sale device, instructions to apply the cost for the transaction to the stored-value and credit accounts in accordance with the received response.