Selecting a preferred payment instrument
US9679284B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jun 18, 2015 |
| Grant date | Jun 13, 2017 |
| Priority date | — |
| Expiry date | Jul 26, 2035 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/367
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Selecting payment instruments for proxy card transactions comprises associating a plurality of financial accounts with a user proxy account; establishing a model for the user account based on configuration data received from a user, the model comprising identification of a particular financial account to use as a backing instrument for a transaction; receiving data associated with a pending transaction regarding the pending transaction; identifying a financial account to use as a backing instrument for the pending transaction based on a comparison of the model with the pending transaction data; receiving a selection of an alternate financial account to use instead of the identified financial account as the backing instrument; modifying the model account based on the selection of the alternate financial account and the data associated with the pending transaction; and utilizing the modified model in a subsequent selection of a financial account for a subsequent transaction.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.