| 摘要 |
A set of accounts usable for cashless transactions are electronically linked together. The accounts in the set may be associated with different accountholders, issuers, financial institutions, transaction handlers, or combinations thereof. A stakeholder sets up rules that govern, in part, processing of cashless transactions upon the accounts in the set. The rules alter routing of the cashless transaction from one account to another in the set. Loyalty features are determined accordingly. In one implementation, the rule alters the routing of the cashless transaction to optimize a loyalty feature. Amounts spent in transactions upon the accounts in the account set may be tracked, analyzed or reported on to create targeted offers. Fulfillment of the targeted offers may be conditioned on validating that the actual spend upon the accounts in the set match a predetermined threshold. |
| 主权项 |
1. A computer-implemented method, comprising:
providing a computing apparatus including:
a transaction handler configured on an electronic processing network in which the transaction handler interconnects first processors and second processors in processing of electronic transactions,at least one database coupled with the transaction handler, anda communication portal coupled with the at least one database and the transaction handler and connected to communicate outside the electronic processing network; providing, by the communication portal, a user interface; linking, based on input received from a first user, via the user interface, a plurality of accounts to a first identifier for an account set; storing the first identifier in the at least one database; receiving, via the user interface, rules for routing transactions in the processing network, and criteria for electronic transmissions to users; storing the rules in the at least one database in association with the first identifier; during processing of a transaction for a second user at a transaction terminal, automatically causing, as controlled by the rules, a display to the second user at the transaction terminal, and receiving a selection of the second user from the display of a first electronic account that is linked to the first identifier for use by the transaction handler in the processing; processing, by the transaction handler, as configured by the rules, the transaction using the first electronic account, the processing comprising receiving a second identifier of the second user from the transaction terminal, and submitting a query to the at least one database to access the first identifier for comparison to the second identifier; accessing, in the at least one database, prior transactions in the processing network to determine an occurrence of a predefined event associated with the rules, the determining comprising comparing a sum of values for transactions in the processing network associated with the first user to a sum of values for transactions in the processing network associated with users other than the first user; in response to the occurrence of the predefined event:
selecting, based on the rules, a second electronic account of the first user from the account set,processing an addition of a value to the second electronic account, andtransmitting an alert, as defined by the criteria for electronic transmissions, to a computing device of the first user to cause display of the value to the first user. |
