Method and apparatus for associating multiple accounts with one account access card

Patent metadata

Field	Value
Publication number	US-10217099-B1
Application number	US-201615007512-A
Country	US
Kind code	B1
Filing date	Jan 27, 2016
Priority date	Jan 27, 2016
Publication date	Feb 26, 2019
Grant date	Feb 26, 2019

Abstract

An account access card having a first side and a second side is configured for electronic funds transfer, identification, authentication, data storage, data transfer, and/or application processing, according to one embodiment. Certain embodiments of the technology provide one or more account identification components to enable the card to identify a user, access an account, receive information, and/or provide information. In various embodiments, the one or more account identification components are disposed on the account access card. The one or more account identification components store account identification data providing access to one or more accounts. In one embodiment, a first account identification component stores first account information and is disposed on the first side of the account access card. In one embodiment, a second account identification component stores second account information and is disposed on the second side of the account access card.

First claim

What is claimed is:

1. An apparatus comprising:
an account access card body having a length, a width, a depth, a first side, and a second side,
wherein the length is less than approximately 3 inches, the width is less than approximately 4 inches, and the depth is less than approximately 0.25 inches;
one or more first account identification components that store first account identification data representing first account identification associated with a first account, the one or more first account identification components being disposed on the first side of the account access card body,
wherein the first account identification data enables a user to access the first account; and
one or more second account identification components that store second account identification data representing a building access authorization, the one or more second account identification components being disposed on the second side of the account access card body, the second account identification components including a radio frequency identification chip configured to grant a cardholder possessing the apparatus access to a secure building.

2. The apparatus of claim 1 , wherein the first account is a financial account selected from a group of financial accounts consisting of:
a credit account;
a checking account;
a line of credit;
a stored value account;
a debit account;
a charge account;
an ATM account;
a stored-value account;
a fleet account;
a gift account; and
a cash account.

3. The apparatus of claim 1 , wherein the one or more first account identification components include a first magnetic stripe storing the first account identification data.

4. The apparatus of claim 1 , wherein the one or more second account identification components further include a second magnetic stripe, the second magnetic stripe storing the second account identification data.

5. The apparatus of claim 1 , wherein the one or more first account identification components include a first chip, the first chip storing the first account identification data.

6. The apparatus of claim 1 , wherein the one or more second account identification components include a second chip, the second chip storing the second account identification data.

7. The apparatus of claim 1 , wherein the first side of the account access card body includes a first color and the second side of the account access card body includes a second color.

8. The apparatus of claim 1 , wherein the first account is a personal financial account associated with the user.

9. The apparatus of claim 1 , further comprising
one or more first user authentication components, the one or more first user authentication components being disposed on the first side of the account access card body; and
one or more second user authentication components, the one or more second user authentication components being disposed on the second side of the account access card body.

10. A method for associating multiple accounts with one account access card, the method comprising:
providing an account access card having a length, a width, a depth, a first side, and a second side, wherein the access card further has one or more first account identification components that store first account identification data representing first account identification associated with a first account, the one or more first account identification components being disposed on the first side of the account access card body, and the account access card further has one or more second account identification components that store second account identification data representing a building access authorization second account identification associated with a second account, the one or more second account identification components being disposed on the second side of the account access card body, the second account identification components including a radio frequency identification chip configured to grant a cardholder possessing the apparatus access to a secure building;
providing first account identification data representing first personal account identification associated with a first personal account,
wherein the first personal account is a personal financial account associated with a user,
wherein the first account identification data enables the user to access the first personal account;
providing second account identification data representing a building access authorization,
wherein the second account identification data enables the user to access the secure building;
storing first account identification on the first side of the account access card;
storing second account data identification on the second side of the account access card, the second account identification components including a radio frequency identification chip configured to grant a cardholder possessing the apparatus access to a secure building;
monitoring transaction data representing transactions associated with the account access card;
analyzing the transaction data to identify whether the user is attempting to use the first personal financial account for a business transaction;
determining that the user is attempting to use the personal financial account for a business transaction;
generating alert data representing an alert that the account access card is being used improperly; and
providing the alert data to the user to enable the user to cancel a pending financial transaction that is improper for the personal financial account, and to enable the user to complete a financial transaction that is proper for the personal financial account.

11. The method of claim 10 , wherein the personal financial account is a financial account selected from a group of financial accounts consisting of:
a credit account,
a checking account,
a line of credit,
a stored value account,
a debit account,
a charge account,
an ATM account,
a stored-value account,
a fleet account,
a gift account, and
a cash account.

12. The method of claim 10 , wherein providing the alert data to the user includes displaying the alert data as a message on an access card reader.

13. The method of claim 10 , wherein providing the alert data to the user includes transmitting the alert data to a mobile computing device of the user.

14. The method of claim 10 , wherein the first side of the account access card further includes a first account identification component including a first magnetic stripe, the first magnetic stripe storing the first account identification data.

15. The method of claim 10 , wherein the second side of the account access card further includes a second magnetic stripe.

16. The method of claim 10 , wherein the first side of the account access card includes a first color and the second side of the account access card includes a second color.

17. The method of claim 10 , wherein the first side of the account access card includes a first texture and the second side of the account access card includes a second texture.

18. The method of claim 10 , further comprising
providing first user authentication data representing first user authentication associated with the user,
wherein the first user authentication data enables authentication of the user;
providing second user authentication data representing second user authentication associated with the user,
wherein the second user authentication data enables authentication of the user;
storing the first user authentication data on the first side of the account access card; and
storing the second user authentication data on the se

Assignees

• Intuit Inc

Inventors

• Cheatham Alicia D

Classifications

• G06Q20/409

  Device specific authentication in transaction processing · CPC title

• G06Q20/3572

  Multiple accounts on card · CPC title

• G06Q20/341

  Active cards, i.e. cards including their own processing means, e.g. including an IC or chip · CPC title

• G06Q20/227 Primary

  characterised in that multiple accounts are available, e.g. to the payer · CPC title