公开(公告)号：US11580554B2

公开(公告)日：2023-02-14

申请号：US16729245

申请日：2019-12-27

申请人： LendingClub Corporation

发明人： Shane Lunceford ,  Alejandra Tonda ,  Janna Goldberg ,  Albert Lee ,  Michael Homnick

IPC分类号： G06Q20/40 ,  G06Q20/34 ,  G06N20/00 ,  G06Q20/22 ,  G06Q20/04

摘要： Techniques are described herein for selecting an optimal financial account for a financial transaction. In an embodiment, a multi-account payment card is used to initiate a financial transaction. Transaction information of the financial transaction including a multi-account payment card ID is transmitted to a server for processing. The server determines that the multi-account payment card ID is associated with a plurality of financial accounts, wherein each of the plurality of financial accounts is associated with any one of a credit card, a debit card, an automatic teller machine (ATM) card, a gift card, or a credit line. A financial account of the plurality of financial accounts is selected by the server based on financial account information, such as reward information, associated with the plurality of financial accounts and the transaction information of the financial transaction. The financial transaction is then charged to the selected financial account.

公开(公告)号：US20210201316A1

公开(公告)日：2021-07-01

申请号：US16729245

申请日：2019-12-27

申请人： LendingClub Corporation

发明人： Shane Lunceford ,  Alejandra Tonda ,  Janna Goldberg ,  Albert Lee ,  Michael Homnick

IPC分类号： G06Q20/40 ,  G06Q20/34 ,  G06Q20/22 ,  G06Q20/04 ,  G06N20/00

摘要： Techniques are described herein for selecting an optimal financial account for a financial transaction. In an embodiment, a multi-account payment card is used to initiate a financial transaction. Transaction information of the financial transaction including a multi-account payment card ID is transmitted to a server for processing. The server determines that the multi-account payment card ID is associated with a plurality of financial accounts, wherein each of the plurality of financial accounts is associated with any one of a credit card, a debit card, an automatic teller machine (ATM) card, a gift card, or a credit line. A financial account of the plurality of financial accounts is selected by the server based on financial account information, such as reward information, associated with the plurality of financial accounts and the transaction information of the financial transaction. The financial transaction is then charged to the selected financial account.