Patent ID: 7163145
Filing Date: 2007-01-16
Classification: G06Q,G07B,G07F

Abstract:
1. A multiple service transaction device configured to: access financial services provided by a provider of financial services via a financial account, wherein said financial account is associated with said multiple service transaction device; access transportation services provided by a service partner via a service partner account, wherein said service partner account is associated with said multiple service transaction device; provide, based on a location identifier received from said service partner, a consumer access to a transportation system provided by said service partner in exchange for loyalty points, wherein said loyalty points are exchanged for access to said transportation system when said loyalty points exist and when said service partner resides within a predefined geographical area; and, provide a consumer access to said transportation system provided by said service partner upon payment of a fee, wherein said fee associated with said transportation system is transferred from said financial account to said service partner account when a balance of said loyalty points is not sufficient to pay said fee.