Patent ID: 7660763

Claim:
A computer implemented method for making payment transactions through a network using a multi-value card and at least one programmed computer processor, comprising: processing, by the at least one programmed computer processor, a cardholder application for a multi-value card whereby at least a credit account and a non-credit account are established in response to a single cardholder application and wherein the established accounts are linked through a loyalty program at the time the multi-value card is issued or activated to pay for goods or services; receiving, by the at least one programmed computer processor, information from a payment card; recognizing, by the at least one programmed computer processor, the payment card as the multi-value card based on its identification number; receiving, by the at least one programmed computer processor, confirmation whether a credit or non-credit transaction is desired; and processing, by the at least one programmed computer processor, the transaction through the network; wherein the at least one computer processor is linked to the network.