Patent ID: 7676429

Claim:
A computer-implemented method for providing a multiple-service card providing multiple services to a cardholder, the services including access to credit and access to multiple clubs associated with a service partner, the method comprising: receiving an application at the service partner for a multiple-service card, the application including: (a) credit card application data, and (b) membership application data for an applicant to join multiple clubs associated with the service partner; processing the multiple-service card application using an application processor system to identify that the applicant desires to join the multiple clubs associated with the service partner; providing the service partner with data stored on the multiple-service card that gives the cardholder access to the multiple clubs associated with the service partner; processing the credit card application data from the multiple service card application by implementing the application processor system; receiving a determination as to whether the applicant is approved for the credit card; establishing a credit account; receiving auto-charge data at a central server system indicating selected clubs for auto-charging to the applicant and storing the auto-charge data in a credit card database module; and issuing to the applicant the requested multiple-service card that includes (a) credit account information providing cardholder access to credit services, wherein the credit account information is linked to the auto-charge data stored in the credit card database module, and that further includes (b) club information stored on the multiple-service card providing cardholder access to the multiple clubs associated with the service partner by allowing the cardholder to physically enter the multiple clubs associated with the service partner upon reading of the club information stored on the multiple-service card.