| 摘要 |
Various embodiments are related to apparatuses and methods for paying for a financial transaction using a proxy object. The proxy object can be associated with multiple payment accounts, for example accounts associated with credit cards and debit cards. A consumer can present the object to a payee to make a payment, and the payee can use a device to obtain information from the object. For example, when the proxy object is a proxy card similar to a credit card, the payee can use a card reader to read information from the magnetic stripe of the proxy card. The information can be transmitted to a financial system, and the financial system can communicate with a computer system that can select a payment account associated with the proxy card to use for the payment. The financial system can process the payment using the selected payment account. |
| 主权项 |
1. A method for processing a financial transaction between a merchant and a consumer, the method comprising:
receiving, from a point-of-sale (POS) system and by a computer system, transaction information associated with the financial transaction, the financial transaction involving a swipe of a proxy card through a card reader associated with the POS system, the proxy card being associated with a plurality of payment accounts each of the payment accounts associated with one of a credit card, a debit card, or a gift card; receiving, from the POS system and by the computer system, proxy card information obtained from the proxy card by the card reader, the proxy card information associated with a plurality of payment accounts; accessing, by the computer system and based on the proxy card information, a database to obtain payment account information; selecting, by the computer system, a first payment account based on the payment account information; transmitting, by the computer system and to a financial system, first payment account information to be used to generate an authorization for the financial transaction; receiving, by the computer system, from a personal computing device associated with the consumer, and after the generation of the authorization for the financial transaction, selection information indicating a selection by the consumer of a second payment account from which funds for the financial transaction are to be obtained; and transmitting, by the computer system and to the financial system, the second payment account information to cause funds for the financial transaction to be transferred from the second payment account to an account associated with the merchant. |
