Patent ID: 8727211
Filing Date: 2014-05-20
Classification: G06Q

Abstract:
1. A computer-implemented method, comprising: storing, in a computing apparatus, account holder data to associate at least one financial presentation device with one or more first enhancement features of a first account type; receiving, in the computing apparatus, an input to add at least a second enhancement feature of a second account type, the second enhancement feature not available to accounts of the first account type; updating, by the computing apparatus, the account holder data to assign the second enhancement feature to the financial presentation device without changing the financial presentation device, wherein the first enhancement features and the second enhancement feature represent services or goods provided to an account holder associated with the at least one financial presentation device in addition to processing purchase transactions of the account holder; receiving, by the computing apparatus from a user, a unique identifier associated with the financial presentation device; checking, by the computing apparatus, access privileges of the user submitting the unique identifier; determining, by the computing apparatus, if the user is allowed to query for enhancement features assigned to the at least one financial presentation device based on the checking; allowing, by the computing apparatus, the user to query if the account associated with the financial presentation device has the enhancement features provided by an enhancement feature provider, when the user is the enhancement feature provider; and disallowing, by the computing apparatus, the user to update the enhancement features provided to the financial presentation device, when the user is an enhancement feature provider.