Patent Publication Number: US-2019197509-A1

Title: Multi-account card

Description:
PRIORITY CLAIM 
     This disclosure claims priority under 35 U.S.C. § 119 to U.S. provisional Patent Application No. 61/994,535 filed on May 16, 2014, and entitled “Systems and Methods for Conducting A Transaction with a Multi-Account Card.” The aforementioned application is incorporated herein by reference in its entirety. 
    
    
     TECHNICAL FIELD 
     The disclosed embodiments generally relate to systems and methods for conducting transactions, and more particularly, systems and methods for conducting transactions using a multi-account card. 
     BACKGROUND 
     Consumers are often forced to make quick decisions when paying for goods and/or services and sometimes question their decisions regarding purchases after they occur. For example, a consumer who purchases a product with a credit card account may question whether he or she actually wanted to use the credit card to make the purchase. The consumer may have preferred to use funds from a debit account, a different credit card account, or a rewards account to pay for the purchased product. Similarly, a consumer may decide after a recent purchase made with a debit account that the purchase should have been funded through other accounts, such as an installment loan or credit card account. In another example, a customer may use a business-expense card to make a personal purchase, or vice versa. Typically, a consumer must decide before a purchase how to fund the payment and has limited options in changing their decision after the transaction is finished. 
     SUMMARY 
     The disclosed embodiments include systems and methods that enable a consumer to use a multi-account card for transactions and select an account for completing each transaction at a later, more convenient time. 
     Consistent with a disclosed embodiment, a system for conducting a transaction is provided. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive information associated with a transaction initiated using a multi-account card. The multi-account card may be associated with a plurality of financial service accounts. The one or more processors may be further configured to select one of the plurality of financial service accounts for use in completing the transaction and complete the transaction with the selected financial service account. 
     Consistent with another disclosed embodiment, a computer-implemented method for conducting a transaction is provided. The method may include receiving, by one or more processors, information associated with a transaction initiated using a multi-account card. The multi-account card may be associated with a plurality of financial service accounts. The method may also include selecting, by the one or more processors, one of the plurality of financial service accounts for use in completing the transaction. The method may further include completing, by the one or more processors, the transaction with the selected financial service account 
     Although disclosed embodiments are discussed primarily in the context of mobile devices and software instructions that are executed by mobile devices, other implementations are contemplated. For example, disclosed embodiments may include software instructions that are executed by a computing system, such as a desktop computer, a laptop, etc. Moreover, the configuration and architecture, etc. of the computing systems, mobile or non-mobile, are not limiting to the disclosed embodiments. Systems or components that execute software instructions to perform one or more operations consistent with the disclosed embodiments and/or store information generated and/or used by the disclosed embodiments, may be particularly configured to perform the one or more particular operations consistent with the disclosed embodiments. 
     It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosed embodiments, as claimed. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate disclosed embodiments and, together with the description, serve to explain the disclosed embodiments. In the drawings: 
         FIG. 1  illustrates an exemplary system consistent with disclosed embodiments; 
         FIG. 2  is a block diagram of an exemplary financial service provider computing system, consistent with disclosed embodiments; 
         FIG. 3  is a block diagram of an exemplary client device computing system, consistent with disclosed embodiments; 
         FIG. 4  is a diagram of an exemplary configuration of a multi-account card, consistent with disclosed embodiments; 
         FIG. 5  is a flowchart of an exemplary multi-account card transaction process, consistent with disclosed embodiments; 
         FIG. 6  is a flowchart of an exemplary multi-account transaction initiation process, consistent with disclosed embodiments; 
         FIG. 7  is a flowchart of an exemplary account selection process, consistent with disclosed embodiments; 
         FIG. 8  is a flowchart of an exemplary transaction completion process, consistent with disclose embodiments; and 
         FIG. 9  is a block diagram of exemplary interfaces associated with account selection processes consistent with certain disclosed embodiments. 
     
    
    
     DETAILED DESCRIPTION 
     Reference will now be made in detail to the disclosed embodiments, examples of which are illustrated in the accompanying drawings. Wherever convenient, the same reference numbers will be used throughout the drawings to refer to the same or like parts. 
     Consistent with disclosed embodiments, a customer may use a multi-account card to conduct a transaction, such as a purchase transaction with a merchant. The multi-account card may be associated with a plurality of financial service accounts. After initiating a transaction with a merchant, a financial service provider associated with the financial service accounts may authorize the transaction based on characteristics of the accounts and stored customer settings, for example, and without selection of a financial service account to be used to complete the transaction. The customer may subsequently select a financial service account to use to complete the transaction. Additionally or alternatively, the financial service provider may automatically select a financial service account to use to complete the transaction. The financial service provider may proceed to complete the transaction using the selected account. 
       FIG. 1  is a diagram illustrating an exemplary system  100  for performing one or more operations consistent with the disclosed embodiments. In one embodiment, system  100  may include a financial service provider  110 , a client device  120 , a merchant  130 , and a network  140 . The components and arrangement of the components included in system  100  may vary. Thus, system  100  may further include other components that perform or assist in the performance of one or more processes consistent with the disclosed embodiments. 
     Financial service provider  110  may be an entity that provides financial services. For example, financial service provider  110  may be a bank, credit card issuer, or other type of financial service entity that offers, issues, generates, provides, manages, and/or maintains financial service accounts for one or more users. Financial service accounts may include, for example, credit card accounts, checking accounts, savings accounts, business accounts, personal accounts, reward accounts, loan accounts (e.g., general (e.g., general purpose use) and specific (e.g., automobile, home improvement, mortgage, etc.)), lines of credit, promotional financing accounts, long term financing accounts, transactional credit accounts, installment loan accounts, and any other types of financial service account known to those skilled in the art. Financial service accounts may be associated with electronic accounts, such as a digital wallet or similar account that may be used to perform electronic transactions, such as purchasing goods and/or services online. 
     Financial service accounts may also be associated with one or more financial account products, such as a physical financial service account card (e.g., a plastic card or similar type of card product) that a user may carry on their person and use to perform financial service transactions, such as purchasing goods and/or services at a point of sale (POS) terminal. Financial account products may also include electronic type of account products, such as a mini card, or other type of product that may be configured to work with a computing system (e.g., mobile device) to operate like a physical financial account card. 
     In an exemplary embodiment, multiple financial service accounts may be associated with the same financial account product, referred to herein as a multi-account card. While depicted and described as a card, it should be understood that a multi-account card may refer to any financial product associated with more than one financial service account and configured to be used in one or more of the exemplary disclosed processes. Financial service provider  110  may include infrastructure and components that are configured to generate and provide financial service accounts and multi-account cards to consumers. 
     In addition, it should be understood that the disclosed embodiments are not limited to financial service accounts or financial service providers. That is, financial service provider  110  may, where other types of accounts or products are implemented, represent an entity that provides other types of accounts or products that may be configured, activated, and/or controlled in a manner consistent with the disclosed embodiments. One of ordinary skill in the art would understand that in such implementations, the operations of financial service provider  110  (and its components) as described herein may vary based on the type of entity and the type of accounts or products implemented by the disclosed embodiments. 
     In one embodiment, financial service provider  110  may include one or more computing systems that are configured to execute software instructions stored on one or more memory devices to perform one or more operations consistent with the disclosed embodiments. In one embodiment, financial service provider  110  may include server  111 . Server  111  may be one or more computing devices configured to execute software instructions stored in memory to perform one or more operations consistent with the disclosed embodiments. 
     For example, server  111  may include one or more memory device(s) storing data and software instructions and one or more processor(s) configured to use the data and execute the software instructions to perform server-based functions and operations known to those skilled in the art and related to the function and operations of the type of businesses performed by financial service provider  110  (or other type of entity component  110  may represent). Moreover, in certain embodiments, server  111  may be configured to execute software instructions that interact with software program(s) stored and executed by client device  120 , such as a mobile application that is executed on a mobile device. 
     Server  111  may be a general purpose computer, a mainframe computer, or any combination of these components. In certain embodiments, server  111  (or a system including server  111 ) may be configured as a particular apparatus, system, and the like based on the storage, execution, and/or implementation of the software instructions that perform one or more operations consistent with the disclosed embodiments. Server  111  may be standalone, or it may be part of a subsystem, which may be part of a larger system. For example, server  111  may represent distributed servers that are remotely located and communicate over a network (e.g., network  140 ) or a dedicated network, such as a LAN, for financial service provider  110 . 
     Server  111  may include or may connect to one or more storage devices configured to store data and/or software instructions used by one or more processors of server  111  to perform operations consistent with disclosed embodiments. For example, server  111  may include memory configured to store one or more software programs that performs several functions when executed by a processor. The disclosed embodiments are not limited to separate programs or computers configured to perform dedicated tasks. For example, server  111  may include memory that stores a single program or multiple programs. Additionally, server  111  may execute one or more programs located remotely from server  111 . For example, server  111  may access one or more remote programs stored in memory of a remote component that, when executed, perform operations consistent with the disclosed embodiments. In certain aspects, server  111  may include web server software that generates, maintains, and provides web site(s) that are accessible over network  140 . In other aspects, financial server provider  110  may connect separate web server(s) or similar computing devices that generate, maintain, and provide web site(s) for financial service provider  110 . 
     Client device  120  may be one or more computing devices that are configured to execute software instructions for performing one or more operations consistent with the disclosed embodiments. Client device  120  may be a desktop computer, a laptop, a server, a mobile device (e.g., tablet, smart phone, etc.), and/or any other type of computing device. Client device  120  may include one or more processors configured to execute software instructions stored in memory, such as memory included in client device  120 . Client device  120  may include software that when executed by one or more processors performs known Internet-related communications and content display processes. For instance, client device  120  may execute browser software that generates and displays interfaces including content on a display device included in, or connected to, client device  120 . The disclosed embodiments are not limited to any particular configuration of client device  120 . For instance, client device  120  may be a mobile device that stores and executes mobile applications that provide financial service related functions offered by financial service provider  110  and/or merchant  130 , such as a mobile banking application for controlling, configuring, and viewing information relating to financial accounts, etc. In certain embodiments, client device  120  may be configured as a particular apparatus, system, and the like based on the storage, execution, and/or implementation of the software instructions that perform one or more operations consistent with the disclosed embodiments. 
     In one embodiment, a user  101  may provide input to client device  120  that is used by software executed by client device  120  to perform one or more operations consistent with the disclosed embodiments. In one aspect, user  101  may be a customer or a potential customer of financial service provider  110 . For instance, financial service provider  110  may generate and maintain multiple financial service accounts (e.g., credit card account, a line of credit, etc.), for user  101  and which may be associated with a multi-account card. User  101  may use the multi-account card to purchase goods and/or services online or at brick and mortar locations associated with a merchant, such as merchant  130 , using one or more of the financial service accounts associated with the multi-account card. 
     Merchant  130  may be an entity that provides goods and/or services for purchase by consumers (e.g., individuals, businesses, etc.). While  FIG. 1  shows one merchant  130  in system  100 , the disclosed embodiments may be implemented in a system involving multiple merchants (e.g., a restaurant merchant, a grocery store merchant, a retail store merchant, etc.). Merchant  130  may include brick and mortar location(s) that a consumer (e.g., user  101 ) may physically visit and purchase goods and services. Such physical locations may include computing devices that perform financial service transactions with consumers (e.g., POS terminal(s), kiosks, etc.). They may also include back and/or front-end computing components that store data and execute software instructions to perform operations consistent with disclosed embodiments, such as computers that are operated by employees of merchant  130  (e.g., back office systems, etc.). In certain embodiments, merchant  130  may also include one or more merchants that provide electronic shopping mechanisms, such as a website or similar online location that consumers may access using a computer (e.g., client device  120 ) through browser software or similar software. 
     In one embodiment, merchant  130  may include server  131 . Server  131  may be one or more computing devices configured to execute software instructions stored in memory to perform one or more processes consistent with the disclosed embodiments. For example, server  131  may include one or more memory device(s) storing data and software instructions and one or more processor(s) configured to use the data and execute the software instructions to perform server-based functions and operations known to those skilled in the art. Server  131  may be a general purpose computer, a mainframe computer, or any combination of these components. In certain embodiments, server  131  (or a system including server  111 ) may be configured as a particular apparatus, system, and the like based on the storage, execution, and/or implementation of the software instructions that perform one or more operations consistent with the disclosed embodiments. Server  131  may be standalone, or it may be part of a subsystem, which may be part of a larger system. For example, server  131  may represent distributed servers that are remotely located and communicate over a network (e.g., network  140 ) or a dedicated network, such as a LAN, for merchant  150 . 
     In certain aspects, server  131  may include web server software that generates, maintains, and provides web site(s) for a respective merchant  130  that is accessible over network  140 . In other aspects, server  131  may connect to separate web server(s) or similar computing devices that generate, maintain, and provide web site(s) for merchant  130 . For example, merchant  130  may use web server(s) that provide a web site specific to merchant  130 , and allows user  101  to access, view, and purchase goods and/or services from merchant  130 . 
     Network  140  may be any type of network configured to provide communications between components of system  100 . For example, network  100  may be any type of network (including infrastructure) that provides communications, exchanges information, and/or facilitates the exchange of information, such as the Internet, a Local Area Network, or other suitable connection(s) that enables the sending and receiving of information between the components of system  100 . In other embodiments, one or more components of system  100  may communicate directly through a dedicated communication link(s), such as the exemplary links between server  111  and server  131 . 
       FIG. 2  shows an exemplary computing system including server  111  for financial service provider  110 , consistent with certain disclosed embodiments. While depicted and described as server  111 , it should be understood that the configuration and components of the computing system of  FIG. 2  may additionally or alternatively represent that of server  131  of merchant  130 , client device  120 , and/or a component not shown in  FIG. 1 . 
     In one embodiment, server  111  may include one or more processors  221 , one or more input/output (I/O) devices  222 , and one or more memories  223 . Alternatively, server  111  may take the form of a general purpose computer, a mainframe computer, or any combination of these components. In certain embodiments, server  111  (or a system including server  111 ) may be configured as a particular apparatus, system, and the like based on the storage, execution, and/or implementation of the software instructions that perform one or more operations consistent with the disclosed embodiments. Server  111  may be standalone, or it may be part of a subsystem, which may be part of a larger system. 
     Processor  221  may include one or more known processing devices, such as a microprocessor from the Pentium™ or Xeon™ family manufactured by Intel™, the Turion™ family manufactured by AMD™, or any of various processors manufactured by Sun Microsystems. The disclosed embodiments are not limited to any type of processor(s) configured in server  111 . 
     I/O devices  222  may be one or more device that is configured to allow data to be received and/or transmitted by server  111 . I/O devices  222  may include one or more digital and/or analog communication devices that allow server  111  to communicate with other machines and devices, such as other components of systems  100 . 
     Memory  223  may include one or more storage devices configured to store instructions used by processor  221  to perform functions related to disclosed embodiments. For example, memory  223  may be configured with one or more software instructions, such as program(s)  224  that may perform one or more operations when executed by processor(s)  221 . The disclosed embodiments are not limited to separate programs or computers configured to perform dedicated tasks. For example, memory  223  may include a single program  224  that performs the functions of the server  211 , or program  224  could comprise multiple programs. Additionally, processor  221  may execute one or more programs located remotely from server  211 . For example, financial service provider  110 , via server  111 , may access one or more remote programs that, when executed, perform functions related to certain disclosed embodiments. 
     Memory  223  may also store data  225  that may reflect any type of information in any format that the system may use to perform operations consistent with the disclosed embodiments. 
     Server  111  may also be communicatively connected to one or more database(s)  226 . Server  111  may be communicatively connected to database(s)  226  through network  140 . Database  226  may include one or more memory devices that store information and are accessed and/or managed through server  111 . By way of example, database(s)  226  may include Oracle™ databases, Sybase™ databases, or other relational databases or non-relational databases, such as Hadoop sequence files, HBase, or Cassandra. The databases or other files may include, for example, data and information related to the source and destination of a network request, the data contained in the request, etc. Systems and methods of disclosed embodiments, however, are not limited to separate databases. In one aspect, server  111  as exemplified in  FIG. 2  may include database  226 . Alternatively, database  226  may be located remotely from the server  111 . Database  226  may include computing components (e.g., database management system, database server, etc.) configured to receive and process requests for data stored in memory devices of database(s)  226  and to provide data from database  226 . 
       FIG. 3  shows an exemplary client device  120  consistent with certain disclosed embodiments. In one embodiment, client device  120  may include one or more processors  321 , one or more input/output (I/O) devices  322 , and one or more memories  323 . In one embodiment, client device  120  may take the form of a general purpose computer, a mainframe computer, or any combination of these components. In some embodiments, client device  120  may be a personal computing device, such as a smartphone, tablet, laptop, desktop computer, etc. 
     In certain embodiments, client device  120  (or a system including client device  120 ) may be configured as a particular apparatus, system, and the like based on the storage, execution, and/or implementation of the software instructions that perform one or more operations consistent with the disclosed embodiments. Client device  120  may be standalone, or it may be part of a subsystem, which may be part of a larger system. 
     Processor  321  may include one or more known processing devices, such as a microprocessor from the Pentium™ or Xeon™ family manufactured by Intel™, the Turion™ family manufactured by AMD™, or any of various processors manufactured by Sun Microsystems. The disclosed embodiments are not limited to any type of processor(s) configured in client device  120 . 
     I/O devices  322  may be one or more device that is configured to allow data to be received and/or transmitted by server  311 . I/O devices  322  may include one or more digital and/or analog communication devices that allow server  311  to communicate with other machines and devices, such as other components of system  100 . 
     Memory  323  may include one or more storage devices configured to store instructions used by processor  321  to perform functions related to the disclosed embodiments. For example, memory  323  may be configured with one or more software instructions, such as program(s)  324  that may perform one or more operations when executed by processor  321 . The disclosed embodiments are not limited to separate programs or computers configured to perform dedicated tasks. For example, memory  323  may include a single program  324  that performs the functions of client device  120 , or program  324  could comprise multiple programs. Additionally, processor(s)  321  may execute one or more programs located remotely from client device  120 . For example, client device  120 , may access one or more remote programs that, when executed, perform functions related to certain disclosed embodiments. 
     Memory  323  may also store data  325  that may reflect any type of information in any format that the system may use to perform operations consistent with the disclosed embodiments. 
     In certain embodiments, memory  323  may store a mobile banking application  326 . Mobile banking application  326  may be one or more programs or software instructions that, when executed by processor(s)  321 , perform one or more banking operations. For example, mobile banking application  326  may be a mobile application that is stored in a mobile device (e.g., client device  120 ) that performs operations and generates interface(s) that are displayed on a display device of client device  120 . The interface(s) may be configured to present information and provide request(s) that elicit input from user  101 . Client device  120  may be configured with known input hardware and software components that accept input from user  101  through known mobile device mechanisms, such as touch screen technologies, voice input, keypad entry, etc. Mobile banking application  326  may be configured to use information associated with the user  101  input to generate information, analyze and determine condition(s), generate results based on those condition(s), and provide data and interface(s) including the data. In certain aspects, mobile banking application  326  may be configured to perform one or more processes consistent with the disclosed embodiments, such as, for example, providing interfaces with options to allow a user to select a financial account for funding recent purchase transactions involving a multi-account card provided by financial service provider  110 . 
     As described above, financial service provider  110  may provide and maintain one or more financial service accounts associated with a customer. Typically, each financial service account may be associated with one or more separate financial account products, such as a physical card that a user may carry on their person and use to perform financial service transactions at a point of sale (POS) terminal. With this typical configuration, a customer must select the financial account product associated with a particular account when initiating a transaction with a merchant (e.g., merchant  130 ). Consistent with disclose embodiments, instead of this typical process, a customer may use a multi-account card for all transactions, and select a financial service account for use in completing each transaction at a later time, or which may be selected automatically. 
       FIG. 4  shows a diagram of an exemplary multi-account card  410 , consistent with disclosed embodiments. As shown in  FIG. 4 , a single multi-account card  410  may be associated with a plurality of financial service accounts. Each financial service account may be a different financial service account held by the same customer (or at least accessible by a common customer). For example, the plurality of financial service accounts may include a checking account, savings account, credit account, business-expense account, personal expense account, etc. Each financial service account may have its own account characteristics (e.g., account type, credit limit, interest rate, agreement terms, etc.). 
     In an exemplary embodiment, a customer (e.g., user  101 ) may use multi-account card  410  at a POS terminal to conduct a financial transaction using one or more of the financial service accounts associated with the multi-account card  410 . Financial service provider  110  (e.g., via server  111 ) may authorize the transaction, and an interaction between the customer and merchant  130  may be completed. In an exemplary embodiment, the customer may then select a financial service account for use in completing the transaction at a later time. In some embodiments, one or more components of system  100  (e.g., server  111 ) may automatically select a financial service account to be used in completing the transaction. 
     In an exemplary embodiment, multi-account card  410  may be associated with each financial service account such that, after identifying multi-account card  410 , server  111  may configure and/or control any of financial service accounts. For example, server  111  may be configured to generate a pending transaction for any of financial service accounts. 
     In one embodiment, multi-account card  410  may be associated with a “ghost card” that corresponds to one or more of financial service accounts. The “ghost card” may be linked through server  111  (or another component of financial service provider  110 ) to each financial service account, such that generating a pending transaction for the “ghost card” may create a corresponding pending transaction for each associated financial service account. 
       FIG. 5  shows a flowchart of an exemplary multi-account card transaction process  500 , consistent with disclosed embodiments. In one embodiment, one or more components of system  100 , such as server  111 , client device  120 , and server  131 , may perform one or more of the steps of process  500 . In certain aspects, a customer (e.g., user  101 ) may obtain a multi-account card  410 , which may be configured such that it is associated with each of the plurality of financial service accounts, which each may be held by the customer and be maintained by financial service provider  110 . The customer may then use multi-account card  410  in a transaction, which may be completed through process  500 . 
     Multi-account card transaction process  500  may include initiation of a payment using multi-account card  410  (step  510 ). In one embodiment, server  131 , which may be connected to a POS device, may receive information about a transaction. For example, server  131  may receive information that includes information identifying the transaction (e.g., purchase amount) and information identifying multi-account card  410  (e.g., a multi-card account number). The POS device connected to server  131  may receive the information identifying multi-account card  410  in a conventional manner, such as by reading information stored in a magnetic strip on multi-account card  410  or some other communication system (e.g., RFID, Bluetooth®, WIFI, etc.). In some embodiments, merchant device  130  may also receive information identifying the customer (e.g., a pin number) and/or other information. 
     In an exemplary embodiment, server  131  may transmit the received transaction information to server  111 , for example over network  140 . Server  111  may use the transaction information to authorize the transaction (step  520 ). In one example, server  111  may authorize the transaction by determining whether the transaction meets authorization criteria for one or more of the financial service accounts. For example, server  111  may determine whether the transaction amount exceeds a limit (e.g., credit limits, daily spending limit, loan amount, etc.) for each financial service account. In another example, server  111  may compare transaction information to composite authorization criteria generated and stored based on the characteristics of financial service accounts (e.g., a limit based on the lowest limit of the accounts). It should be understood that the criteria under which the transaction may be authorized may vary, depending on the configuration of server  111  and the financial service accounts. 
     However, regardless of the manner in which authorization is determined, it should be understood that server  111  may determine that the transaction is authorized without identification of the particular financial service account that will be used to complete the transaction (e.g., fund a payment). If server  111  determines that a transaction is not authorized (or cannot be authorized without additional information), server  111  may proceed to notify merchant  130  and/or user  101  (and/or request and receive the additional information and re-attempt to authorize the transaction). Additional examples regarding authorization of transactions will be described in more detail below. 
     After server  111  authorizes the transaction, an interaction between the customer (e.g., user  101 ) and the merchant (e.g., merchant  130 ) may be complete. For example, a customer may leave a retail store with their purchase, leave a restaurant after a meal, enter an area requiring an entry fee, receive a requested service, etc. Before, during, or after this interaction, one or more components of system  100  may perform one or more processes to select a financial service account for use in completing the transaction (step  530 ). For example, client device  120  may receive input from user  101  indicating a selection, which may be transmitted to server  111 . In other embodiments, server  111  and/or client device  120  may execute software instructions to perform a process to automatically select a financial service account. In some embodiments, an automatic selection may be made for each transaction, while an opportunity for user  101  to change the selection before the transaction is completed is maintained for a predetermined period of time. 
     With a financial service account selected, server  111  (and/or another component of system  100 ) may complete the transaction (step  540 ). For example, server  111  may execute software instructions to perform one or more processes to complete the transaction using the selected account. In one example, server  111  may perform a process to transfer funds from the selected financial service account to complete a payment from the customer to merchant  130 . 
       FIG. 6  shows a flowchart of an exemplary multi-account card transaction authorization process  600 . In some aspects, process  600  may correspond to step  520  of multi-account card transaction process  500 . In one embodiment, server  111  may perform process  600  to authorize a transaction initiated by multi-account card  410  (or determine that the transaction is not authorized). It should be understood, however, that one or more other components of system  100  (shown or not shown) may perform one or more steps of process  600 . 
     As was described in process  500 , a customer may initiate a multi-account card transaction by using their multi-account card  410  at a POS device connected to server  131  of a merchant  130 . Server  131  may receive information about the transaction, such as a transaction amount and information identifying multi-account card  410 , and transmit the transaction information to server  111 . Server  111  may receive and analyze the transaction information to identify the multi-account card  410  involved in the transaction (step  610 ). In some embodiments, server  111  may also identify the financial service accounts associated with the identified multi-account card  410 . 
     Server  111  may use the transaction information to initiate a multi-account card transaction (step  620 ). In one embodiment, server  111  may initiate a transaction by determining whether the transaction would be authorized to complete with each financial service account. For example, server  111  may determine whether the transaction amount exceeds a limit associated with each financial service account. In another example, server  111  may determine whether the transaction information satisfies composite authorization criteria generated based on the characteristics of financial service accounts. 
     If the authorization criteria are met, server  111  may authorize the multi-account card transaction. For example, if server  111  determines that the transaction would be authorized on all of the financial service accounts, server  111  may authorize the multi-account card transaction. In an exemplary embodiment, server  111  may then generate a pending transaction with each financial service account, such as through the “ghost card” example described above. 
     However, if server  111  determines that the transaction is not authorized for one or more of financial service accounts (e.g., the transaction would exceed a credit limit of a credit card account), server  111  may determine that the multi-account card transaction is not authorized. 
     In some embodiments, server  111  may attempt to remedy a determination that a multi-account card transaction is not authorized by communicating with client device  120  (or server  131 ). For example, server  111  may provide a notification to client device  120 , which client device  120  may use to indicate to user  101  the financial service accounts for which the transaction is authorized and the financial service accounts for which the transaction is not authorized. User  101  may input information to client device  120  that indicates that user  101  would like the transaction to continue using the financial service accounts for which the transaction is authorized, and which may include a selection of which financial service account to be used to complete the transaction. Alternatively, user  101  may input information to client device indicating that user  101  does not want the transaction to continue. Client device  120  may transmit the input information to server  111 , which may subsequently generate a pending transaction with the financial service accounts for which the transaction is authorized (or only a selected financial service account), or may cancel the transaction altogether. 
     If, after the initial authorization determination or any subsequent determinations, server  111  determines that the multi-account card transaction is authorized, server  111  may transmit a notification to server  131  to inform merchant  130  of the authorization (step  630 ). If the transaction is not authorized, server  111  may also notify server  131  so that merchant  130  can stop the transaction. In an exemplary embodiment, server  111  may also transmit a notification to client device  120  (step  640 ). The notification received by client device  120  may include information identifying the authorized transaction, as well as the financial service accounts with which a transaction is pending, or, alternatively, that the transaction was not authorized (and possibly including reasons for the determination). 
       FIG. 7  shows a flowchart of an exemplary account selection process  700 , consistent with disclosed embodiments. In some aspects process  700  may correspond to step  530  of multi-account card transaction process  500 . In one embodiment, client device  120  may perform process  700  to provide server  121  with information regarding a financial service account to use to complete one or more authorized multi-account card transactions. In other embodiments, server  111  and/or server  131  may perform one or more steps of process  700 . 
     Client device  120  may receive data from server  111  (step  710 ). The data may correspond to one or more authorized multi-account card transactions. For example, the data may identify various aspects of one or more transactions (e.g., the data may include the time and/or date of a transaction, an identifier of a merchant, and an amount of the transaction). 
     Client device  120  may next execute software instructions to display a notification to user  101  (step  720 ). For example, client device  120  may execute mobile banking application  326  to display data received from server  111 . 
     In one embodiment, client device  120  may display an interface showing recently conducted transactions that have not yet been completed (e.g., the interface may include a list of the transactions or other identifiers, such as images, related to the transactions). These transactions may include transactions conducted using multi-account card  410 , but for which a financial service account to be used to complete the transaction has not yet been selected by the customer. As described above, server  111  may have generated a pending transaction for each financial service accounts. Client device  120  may display each of these transactions, including information identifying each transaction (e.g., merchant information, transaction amount, etc.), to the customer via an interface associated with client device  120 . 
     Client device  120  may receive input indicating a selection of a financial service account to be used in completing a displayed transaction (step  730 ). For example, user  101  may operate client device  120  to select a displayed transaction and input information to select one of financial service accounts (each of which have been authorized to complete the transaction and for which a pending transaction was generated) to be used to complete the selected transaction. For instance, user  101  may select a restaurant transaction and select their debit card account to fund the transaction. 
     In one embodiment client device  120  may display a list of a plurality of recent transactions (e.g., transactions that occurred that day, within the last 24 hours, etc.). User  101  may operate client device to select a financial service account for use in completing one or more of the transactions. In another embodiment, client device  120  may display a “push” notification associated with a single transaction that recently occurred, requesting that user  101  select a financial service account for the transaction. For example, after user  101  completes a retail purchase at a merchant  130 , client device  120  may receive and display a notification requesting user  101  select a financial service account to fund the purchase. 
     In some embodiments, server  111  and/or client device  120  may determine a default financial service account to associate with each transaction. For example, user  101  may indicate that a credit card account should be used as a default account for each transaction. In these embodiments, client device  120  may indicate a default financial service account that will be used for the transaction if user  101  does not select another financial service account within a particular period of time. In some embodiments, default accounts may be designated for certain kinds of transactions. For example, user  101  may establish preferences associated with a profile of user  101  that designate default accounts based on transaction type (e.g., designate a default account for types of transactions such as restaurant purchases, supermarket purchases, entertainment purchases, travel purchases, gas purchases, retail sales purchases, online purchases, etc.). User  101  may further or in the alternative designate default accounts based on when the purchase is made (e.g., use a default account associated with business expenses for purchases made during certain days and/or times). After client device  120  receives a selection of a financial service account, client device  120  may transmit a notification including the selection to server  111  (step  740 ). The notification may indicate which financial service account should be used for one or more transactions that have not yet been completed. In one embodiment, client device  120  may transmit the notification shortly after the selection is received. In another embodiment, client device  120  may transmit a list of one or more selections at a predetermined time, such as at the end of the day. In some embodiments, client device  120  may transmit information indicating that a selection has not yet been made for one or more transactions, such as after a predetermined time period. 
       FIG. 8  shows a flowchart of an exemplary transaction completion process  800 , consistent with disclosed embodiments. In certain aspects, process  800  may correspond to step  540  of multi-account card transaction process  500 . In one embodiment, server  111  may perform process  800  to complete one or more transactions that were conducted using multi-account card  410 . For example, server  111  may use information about the transaction and/or information regarding selection of a financial service account to complete the transaction with only one of the financial service accounts for which a pending transaction was generated. 
     Server  111  may select a transaction to complete (step  810 ). In one embodiment, server  111  may select a transaction to complete after receiving selection of a financial service account to be used in completing the transaction from client device  120 . In another embodiment, server  111  may select a transaction to complete after a predetermined period since the transaction was initiated has passed (e.g., after 24 hours, 48 hours, etc.). 
     Server  111  may determine a financial service account as a designated account to be used to complete the transaction (step  820 ). In one example, server  111  may select as the designated account a financial service account that was selected by user  101  and transmitted to server  111  from client device  120 . In another example, server  111  may determine that an automatic selection of a default financial service account should be used to as the designated account, such as after a predetermined time period has passed without receiving a selection from client device  120 , or based on a customer setting indicating that automatic selection should be used without additional input from the customer. 
     Automatic selection of a default account may be based on a previous selection of a financial service account to be the default account. For example, user  101  may select their credit card account as their default account. In another example, automatic selection of a default account may occur based on stored customer settings. For example, server  111  may compare information about a transaction with stored customer settings to determine which financial service account should be selected as the default account. The customer settings may indicate the criteria under which a particular financial service account should be automatically selected. The criteria may include information regarding particular merchants, merchant categories, transaction amounts, time periods, locations, and the like. For example, customer settings may indicate that a debit account should be selected as the default account for all transaction with transaction amounts below a threshold. In another example, customer settings may indicate that a business card account should be selected as the default account for all transactions over a certain period of time (e.g., a period of time corresponding to a business trip). Through the customer settings and automatic selection of a default account by server  111 , transactions may be completed using an appropriate account even when user  101  does not provide a selection. 
     After server  111  determines which financial service account to be the designated account for use in completing a transaction, server  111  may prevent pending transaction with non-designated accounts from being completed (step  830 ). For example, server  111  may execute software instructions to perform one or more processes to cancel any pending transactions with financial service accounts that are not the designated account determined in step  820 . In this way, the transaction will not be completed using more than one financial service account (and the customer will not pay twice for a transaction). 
     Server  111  may complete the transaction using the designated account determined in step  820  (step  840 ). In one embodiment, server  111  may allow the pending transaction with the designated financial service account to automatically complete, such as through typical payment processing procedures. In another embodiment, server  111  may send a notification to another component of financial service provider  110  indicating that the transaction can be completed using the designated account. Server  111  (or another component of system  100 ) may transfer funds from the designated account to an appropriate destination (e.g., a merchant account) to complete the transaction. 
     In some embodiments, server  111  may transmit a notification to client device  120  indicating that the transaction was completed using the designated financial service account (step  850 ). Client device  120  may display the notification to user  101 , such as through mobile banking application  326 . 
       FIG. 9  shows a block diagram of exemplary interfaces  910 ,  920 , and  930 , consistent with disclosed embodiments. In one embodiment, client device  120  may display interfaces  910 ,  920 , and  930  to user  101  to allow user  101  to select a financial service account to be used to complete a plurality of recent transactions. For example, client device  120  may execute mobile banking application  326  to generate and display interfaces  910 ,  920 , and  930  on a mobile device (e.g., smartphone or tablet). It should be understood, however, that other configurations of client device  120  and interfaces  910 ,  920 , and  930  are possible, such as a website interface displayed by a computing device, such as a laptop or desktop computer. 
     As shown in  FIG. 9 , interface  910  may display a list of recent transactions  940  to user  101 . In an exemplary embodiment, each transaction  940  may be a multi-account card transaction that was conducted using multi-account card  410  and authorized by server  111 . Each transaction  940  may include descriptive information, such as merchant information, transaction amount, time/day information, location information, etc., such that user  101  may easily recognize the transaction. 
     In an exemplary embodiment, each displayed transaction  940  may be associated with a tag  945 . Each tag  945  may indicate a financial service account that has been selected (either by user  101  or automatically by server  111  and/or client device  120 ) as the financial service account that will be used to complete the transaction, or, as shown in interface  910 , may indicate that a transaction is untagged (e.g., a financial service account has not yet been selected). As shown in  FIG. 9 , interface  910  may also include an expiration warning  950  for the listed transactions. Expiration warning  950  may indicate a time that a default financial service account will be selected if user  101  does not input a selection. 
     In an exemplary embodiment, user  101  may operate client device  120  to select a transaction  940  from the list of transactions display by interface  910 . For example, client device  120  may receive input indicating “Transaction #1” was selected, which is a transaction  940  that is tagged as unfiled. In one example, “Transaction #1” may be a retail purchase made at a clothing store. Based on the selection of the transaction  940 , client device may execute software instructions to generate interface  920 . 
     As shown in  FIG. 9 , interface  920  may display a list of financial service accounts  960 . In an exemplary embodiment, financial service accounts  960  may correspond to financial service accounts. In some embodiments, financial service accounts  960  may only correspond to those financial service accounts for which the transaction was previously determined to be authorized and a pending transaction was generated. Interface  920  may list financial service accounts  960  and prompt user  101  to select a financial service account  960  to fund the selected transaction  940  (in this case “Transaction #1”). 
     In an exemplary embodiment, user  101  may operate client device  120  to select a financial service account  960  to be used to complete “Transaction #1”. For example, client device  120  may receive input indicating that “Account #2 was selected. In the example described above, “Account #2” may be a personal debit account, which user  101  may select as appropriate to fund their retail purchase at the clothing store. Based on the selection of the financial service account  960 , client device  120  may generate interface  930 . 
     As shown in  FIG. 9 , interface  930  may again display the list of recent transactions  940  displayed by interface  910 . However, as shown, the previously selected transaction  940  (in this case “Transaction #1”) may indicate the selected financial service account  960  in tag  945 . In this way, client device  120  may indicate to user  101  that the transaction  940  has been tagged and the transaction  940  will be completed using the selected financial service account  960 . 
     In an exemplary embodiment, user  101  may proceed to operate client device  120  to select each remaining untagged transaction  940  and select a financial service account  960  for each. In some embodiments, user  101  may select a previously tagged (either manually or automatically) transaction  940  and change the selected financial service account  960 . 
     In an exemplary embodiment client device  120  may transmit a notification to server  111  indicating the financial service account that was selected for one or more multi-account card transactions. For example, client device  120  may transmit a notification to server  111  indicating selections (or lack thereof) for transactions  940  for which the expiration time has passed. In another example, client device  120  may transmit a notification to server  111  immediately after a selection is made and/or at the request of user  101 . Server  111  may receive a notification from client device  120  and proceed to complete one or more transactions, such as through transaction completion process  800  described above. 
     In an alternative embodiment, multi-account card  410  may be associated with its own separate financial service account. For example, multi-account card  410  may be associated with a separate line-of-credit account with its own account characteristics (e.g., credit limit). Server  111  may associate the separate account with each other financial service account and be configured to transfer a balance from the separate account to one or more of the other financial service accounts. Server  111  may determine whether a multi-account card transaction is authorized based on whether the transaction is authorized for the separate financial service account. If the transaction is authorized, server  111  may generate a pending transaction with the separate account. Server  111  may then transfer the balance of the pending transaction to a financial service account, such as based on a selection from user  101  and/or an automatic selection process. If no selection is made, the server  111  may process the transaction using the separate financial service account. 
     The exemplary disclosed embodiments allow a customer to use a multi-account card to conduct transactions. Each transaction may be authorized without a specific selection of a financial service account that will be used to complete the transaction. Sometime after the transaction between the customer and the merchant occurs, the customer may consider the transaction and select an appropriate financial service account to be used in completing it (e.g., selecting a business-expense account for a business expense and/or selecting a personal account for a personal expense). In this way, a customer may quickly and easily conduct transactions without considering which financial service account should be used for the transaction and/or without risking making an incorrect selection (e.g., using a business-expense account for a personal purchase). Further, in some embodiments, automatic selection of a financial service account may occur, further reducing the need for the customer to consider which financial service account to use, and thereby simplifying and improving the customer experience. 
     The exemplary disclosed embodiments describe systems and methods for providing a multi-account card. The foregoing description has been presented for purposes of illustration. It is not exhaustive and is not limited to the precise forms or embodiments disclosed. Modifications and adaptations of the embodiments will be apparent from consideration of the specification and practice of the disclosed embodiments. For example, the described implementations include hardware and software, but systems and methods consistent with the present disclosure can be implemented as hardware alone. Alternatively, the disclosed embodiments may implement a specialized apparatus or system configured to execute software programs that perform processes consistent with the disclosed embodiments. 
     Computer programs based on the written description and methods of this specification are within the skill of a software developer. The various programs or program modules can be created using a variety of programming techniques. For example, program sections or program modules can be designed in or by means of Java, C, C++, assembly language, or any such programming languages. One or more of such software sections or modules can be integrated into a computer system, computer-readable media, or existing communications software. 
     Moreover, while illustrative embodiments have been described herein, the scope includes any and all embodiments having equivalent elements, modifications, omissions, combinations (e.g., of aspects across various embodiments), adaptations or alterations based on the present disclosure. The elements in the claims are to be interpreted broadly based on the language employed in the claims and not limited to examples described in the present specification or during the prosecution of the application, which examples are to be construed as non-exclusive. Further, the steps of the disclosed methods can be modified in any manner, including by reordering steps or inserting or deleting steps. It is intended, therefore, that the specification and examples be considered as example only, with a true scope and spirit being indicated by the following claims and their full scope of equivalents.