The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Aug. 13, 2013
Filed:
Jan. 09, 2012
Luther C. Abel, San Jose, CA (US);
Robert E. Cousins, Saratoga, CA (US);
Luther C. Abel, San Jose, CA (US);
Robert E. Cousins, Saratoga, CA (US);
Citizens Financial Group, Inc., Providence, RI (US);
Abstract
A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the consumer has accounts for card-based transactions. The interface acts as an intermediary, accessible to the consumer so that the consumer may place a variety of controls on card-based transactions. Multiple transaction cards may be linked to a single credit account with each card having a different credit limit, such that the controls comprise restricting each transaction card to a particular merchant, linking, by the consumer, several credit and/or debit accounts to a single transaction card, and pre-selectins a criteria to be utilized for directing charges for a particular transaction to be applied the different accounts. The consumer may access the interface via a web site or telephone for making changes and receiving account information.