Patent ID: 7917432

Claim:
A computer-implemented method for making payment transactions, the computer-implemented method comprising: receiving identification information from a payment card to pay for goods or services; recognizing the payment card as a dual card based on the identification information, wherein the dual card is associated with a credit account maintained on behalf of a first entity and a stored value account maintained on behalf of a second entity, wherein the identification information distinguishes the dual card from a credit card and a stored value card, wherein the credit account is maintained separately and is distinct from the stored value account, and wherein the stored value account stores a monetary value that cannot be withdrawn as cash, but can be used to pay for goods or services; prompting to confirm whether a credit or stored value transaction is desired; upon selection of a credit transaction, routing the payment transaction to a credit card processor where the payment transaction is processed as a credit transaction on behalf of the first entity; and upon selection of a stored value transaction, routing the payment transaction to a store value processor where the payment transaction in processed as a stored value transaction on behalf of the second entity.