Method and system for implementing a card product with multiple customized relationships

摘要

According to one embodiment, the present invention relates to a method and a system for implementing a card product or access mechanism with multiple relationships with an issuing entity (e.g., bank, etc.) where each relationship may be defined by one or more sets of rules that are customized for a particular customer. A computer implemented method and system for implementing a mechanism with multiple customized relationships may involve identifying one or more customized rules for an access mechanism associated with a customer; establishing a plurality of accounts for the customer wherein the plurality of accounts comprise different accounts with different account characteristics; and invoking one of the plurality of accounts for a transaction through the access mechanism, based at least in part on the one or more customized rules; wherein the plurality of accounts share at least one funding account.

主权项

1. A computer implemented method for implementing a payment mechanism with multiple customized relationships, the method comprising the steps of:
associating, by at least one computer processor, a plurality of accounts with a payment mechanism for a customer wherein the plurality of accounts are funded by a funding account, each account having different account characteristics; identifying one or more priority rules for defining which account to invoke for the customer; monitoring, by at least one computer processor, customer behavior; and invoking one account from the plurality of accounts for the customer based at least in part on the one or more priority rules and customer behavior.