US 12,423,675 B2
Combination payment card and methods thereof
Bryan T. Bailey, Florence, KY (US); and Edward D. Paciolla, Canton, GA (US)
Assigned to Worldpay, LLC, Symmes Township, OH (US)
Filed by Worldpay, LLC, Symmes Township, OH (US)
Filed on Feb. 8, 2022, as Appl. No. 17/667,022.
Application 17/667,022 is a continuation of application No. 17/182,519, filed on Feb. 23, 2021, granted, now 11,282,070.
Application 17/182,519 is a continuation of application No. 16/123,508, filed on Sep. 6, 2018, granted, now 10,963,866, issued on Mar. 30, 2021.
Application 16/123,508 is a continuation of application No. 14/221,792, filed on Mar. 21, 2014, granted, now 10,096,020, issued on Oct. 9, 2018.
Application 14/221,792 is a continuation in part of application No. 14/221,420, filed on Mar. 21, 2014, granted, now 10,078,833, issued on Sep. 18, 2018.
Application 14/221,420 is a continuation of application No. 13/599,538, filed on Aug. 30, 2012, granted, now 8,712,854, issued on Apr. 29, 2014.
Prior Publication US 2022/0164785 A1, May 26, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G07G 1/12 (2006.01); G06Q 20/06 (2012.01); G06Q 20/20 (2012.01); G06Q 20/22 (2012.01); G06Q 20/28 (2012.01); G06Q 20/34 (2012.01); G06Q 30/0207 (2023.01)
CPC G06Q 20/3572 (2013.01) [G06Q 20/06 (2013.01); G06Q 20/20 (2013.01); G06Q 20/202 (2013.01); G06Q 20/227 (2013.01); G06Q 20/28 (2013.01); G06Q 20/349 (2013.01); G06Q 30/0207 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by one or more acquirer processors, an authorization request for an electronic transaction associated with a combination transaction vehicle from a point-of-sale device, wherein the authorization request includes account information;
determining, by the one or more acquirer processors, that the authorization request identifies the combination transaction vehicle by cross-referencing the account information associated with the authorization request against a list of combination transaction vehicles, wherein the combination transaction vehicle is associated with an open-loop account and a closed-loop account;
determining, by the one or more acquirer processors, whether to authorize the electronic transaction as an open-loop transaction, a closed-loop transaction, or a combination of the open-loop transaction and the closed-loop transaction, based on (i) association information between the electronic transaction, a merchant, the open-loop account, and the closed-loop account, and (ii) resource information in the open-loop account and the closed-loop account to complete the electronic transaction;
authorizing, by the one or more acquirer processors, the electronic transaction as the combination of the open-loop transaction and the closed-loop transaction upon determining the electronic transaction is associated with the closed-loop account with insufficient account balance to cover the electronic transaction, and the open-loop account has sufficient funds to cover an amount of deficiency to complete the electronic transaction; and
causing, by the one or more acquirer processors, a partial approval of the electronic transaction as the closed-loop transaction, and a partial approval of the electronic transaction as the open-loop transaction to cover the amount of deficiency in the closed-loop account.