Systems and methods for managing multiple accounts on a RF transaction instrument

US7268668B2 · kind B2 · utility

Assignee

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

Inventors

• Blayn W. Beenau · Peoria, US
• Michal Bliman · Matawan, US
• David S. Bonalle · New Rochelle, US
• Joshua L. Montgomery · Orem, US
• Peter D. Saunders · Salt Lake City, US
• John R. Williamson · Jersey City, US

Key dates

• Filing date: Mar 12, 2004
• Grant date: Sep 11, 2007
• Expiry date: Feb 25, 2025

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F17/0014
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods are presented for managing a plurality of data sets on a financial transaction instrument configured to facilitate performing a financial transaction. A first data set owner and a second data set owner are enrolled in a multiple account management program. A first data set owned by a first data set owner and of a first format is added to a database on the financial transaction instrument. A second data set of a second format is added to the database. The second data set is owned by a second data set owner, distinct from the first data set owner, and the second format is different from the first format. A condition header identifying a status condition is added to at least one of the first and second data sets. At least one of the first and second data sets is modified in the database.