Geographic area multiple service card system

US10176475B2 · kind B2 · utility

Assignee

• American Express Travel Related Services Company, Inc. · US

Inventors

• Perry A. Cohagan · New York, US
• Mary Ann Fitzmaurice · New York, US
• Aliza Freud · New York, US
• Birgitta Mayer · New York, US
• Julia Menichilli · Manhasset, US
• Jason Nanton · Singapore, SG
• Ray Sharp · Coral Springs, US
• Scott Vosburgh · Greensboro, US
• Penelope Wood-Kulko · Brooklyn, US

Key dates

• Filing date: Oct 23, 2013
• Grant date: Jan 8, 2019
• Expiry date: Jul 22, 2036

Classification

• Technology area (CPC G): Physics
• CPC primary: G07B15/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.