Patent ID: 7268668

Claim:
A method for managing a plurality of data sets on a financial transaction instrument, the method comprising the steps of: enrolling a first data set owner and a second data set owner in a multiple account management program; adding to a database on said financial transaction instrument, a first data set of a first format, wherein said first data set is owned by said first data set owner; adding to a database on said financial transaction instrument, a second data set of a second format, wherein said second data set is owned by said second data set owner, said first data set owner is distinct from said second data set owner, and said first format is different from said second format, said first data set is stored in accordance with said first format, and said second data set is stored in accordance with said second format; adding a condition header to at least one of said first and second data sets, said condition header identifies a status condition of said at least one of said first and second data sets; and modifying at least one of said first and second data set in said database, wherein said financial transaction instrument configured to facilitate performing a financial transaction, and said first data set is added before issuance of said financial transaction instrument, and said second data set is added after issuance of said financial transaction instrument.