American Express Travel Related Services Company, Inc.

Mastercard Asia/pacific Pte. Ltd.

Jason Nanton

Ray Sharp

Aliza Freud

Mary Ann Fitzmaurice

Scott Vosburgh

Julia Menichilli

Penelope Wood-Kulko

Perry A Cohagan

Birgitta Mayer

Jiaming Li

Hao Tang

A foreign currency transaction system and method can allow both users and merchants to carry out foreign currency transactions without using a point-of-sale (POS) device. In addition, users can carry out foreign currency transactions without knowing much of a foreign language in order to engage with a merchant in a foreign country. In addition, a user may lock-in a foreign currency exchange rate so that the user is able to have some certainty in relation to the foreign currency transaction, and can simplify the use of payment cards for foreign currency transactions by capturing an electronic image of a pricing indicator at a juncture of initiating a foreign currency transaction, and processing the electronic image to automatically determine a required payment amount represented on the pricing indicator.

Foreign currency transaction system and method

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.

Geographic area multiple service card system

A system and method for providing a multiple-service card is disclosed. As a result, a card member is provided with a single card that serves as both a credit card and a club membership card for access to the service partner's exclusive club. This multiple-service card may have the traditional credit card data on one side of the card, including, for example, the account number, name of the account holder, and the expiration date. The other side of the card may include a magnetic stripe that contains the account information in machine readable form as well as membership information suitable to permit entry into a service partner's facility. In the system, the primary party and the service partner participants cooperate to complete the processes associated with the provision of the combined card services, including a new account process, card replacement and renewal processes, a service partner membership cancellation process, and a process for cancellation and/or transfer by a primary party.

Multiple-service card system

Growing community of inventors

Singapore, Singapore

Jason Nanton