Patent ID: 8469265
Filing Date: 2013-06-25
Classification: G06Q,G07F

Abstract:
1. A computer implemented method for implementing a mechanism with multiple customized relationships, the method comprising the steps of: identifying, by at least one computer processor, one or more customized rules for an access mechanism associated with a customer; establishing, by at least one computer processor, a plurality of accounts for the customer wherein the plurality of accounts comprise different accounts with different account characteristics; the plurality of accounts comprising a combination of two or more of the following: stored value account, debit account, credit card account, loyalty account and co-brand account; invoking, by at least one computer processor, an account from the plurality of accounts for a transaction through the access mechanism, based at least in part on the one or more customized rules; wherein the one or more customized rules comprise one or more priority rules that define conditions for selecting the account from the plurality of accounts for the transaction based on one or more transaction factors at the time of the transaction monitoring, by at least one computer processor, customer behavior associated with the customer; and adjusting, by at least one computer processor, one or more accounts from the plurality of accounts responsive to the monitored customer behavior.