Patent ID: 8892462

Claim:
A method for processing a financial transaction between a merchant and a consumer, the method comprising: receiving, by a computer system from a point-of-sale (POS) system associated with the merchant, transaction information of the financial transaction between the merchant and the consumer, the financial transaction involving a swipe of a proxy card associated with the consumer through a card reader associated with the POS system, the proxy card being associated with a plurality of financial accounts of the consumer, each of the plurality of financial accounts associated with any one of a credit card, a debit card, an automatic teller machine (ATM) card, or a gift card; receiving, by the computer system from the POS system, proxy card information obtained from the proxy card by the card reader, the proxy card information associated with the plurality of financial accounts; selecting, by the computer system, a first financial account of the plurality of financial accounts; causing, by the computer system, the financial transaction to be charged to the first financial account; generating, by the computer system, based on the financial transaction being charged to the first financial account, an interactive digital receipt indicative of the financial transaction; and transmitting, by the computer system, the interactive digital receipt to a mobile device associated with the consumer, the interactive digital receipt including an interactive component that, when accessed by the consumer on the mobile device, allows the consumer to perform an action to modify an aspect of the financial transaction by providing an input to the interactive component after the interactive digital receipt has been received by the mobile device of the consumer.