Multi-account card

Abstract

A system for conducting a transaction is disclosed. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive information associated with a transaction initiated using a multi-account card. The one or more processors may be further configured to select and employ one of a plurality of transaction accounts to complete the transaction.

1 - 20 . (canceled) 
     
     
         21 . A system for conducting a transaction, the system comprising:
 one or more memory units for storing instructions; and   one or more processors configured to execute the instructions to perform operations comprising:
 receiving information associated with a transaction initiated using a multi-account card, the multi-account card being associated with a plurality of accounts of a user; 
 determining, for the accounts, whether the transaction is authorized by the accounts; 
 transmitting, based on a determination that the transaction is not authorized, a notification to a client device of the user indicating the accounts for which the transaction is not authorized; 
 receiving, from the client device, an indication to proceed using the accounts for which the transaction is authorized; 
 generating a pending transaction for the authorized accounts to complete a purchase from a merchant; 
 maintaining an opportunity for a period of time for a user to make a selection of one of the authorized accounts to complete the transaction; and 
 completing the transaction based on the selection. 
   
     
     
         22 . The system of  claim 21 , the operations further comprising:
 transmitting data to the client device, the data comprising instructions to prompt the user to select one of the accounts to complete the transaction, if the selection has not been made within the period of time.   
     
     
         23 . The system of  claim 21 , the operations further comprising:
 receiving, from the client device, a selection of one of the accounts for which the transaction is authorized.   
     
     
         24 . The system of  claim 23 , the operations further comprising:
 completing the transaction upon receiving the selection.   
     
     
         25 . The system of  claim 24 , the operations further comprising:
 canceling the transaction when no selection is made in response to the prompt.   
     
     
         26 . The system of  claim 21 , the operations further comprising:
 designating one of the accounts as a default account; and   selecting the default account to complete the transaction.   
     
     
         27 . The system of  claim 25 , wherein selecting the default account comprises selecting the default account based on the information associated with the transaction. 
     
     
         28 . The system of  claim 26 , wherein selecting a default account comprises selecting the default account based on user profile information associated with the multi-account card. 
     
     
         29 . The system of  claim 28 , wherein the user profile information comprises preference information of the user. 
     
     
         30 . The system of  claim 21 , the operations further comprising:
 transmitting to the client device, a notification identifying the authorized accounts for which a transaction is pending.   
     
     
         31 . A computer-implemented method for conducting a transaction, the method comprising:
 receiving information associated with a transaction initiated using a multi-account card, the multi-account card being associated with a plurality of accounts of a user;   determining, for the accounts, whether the transaction is authorized;   transmitting, based on a determination that the transaction is not authorized, a notification to a client device of the user indicating the accounts for which the transaction is not authorized;   receiving, from the client device, an indication to proceed using the accounts for which the transaction is authorized;   generating a pending transaction for the authorized accounts to complete a purchase from a merchant;   maintaining an opportunity for a period of time for a user to make a selection of one of the authorized accounts to complete the transaction after completing the purchase; and   completing the transaction based on the selection.   
     
     
         32 . The computer-implemented method of  claim 31 , further comprising:
 transmitting data to a client device, the data comprising instructions to prompt for the user to select one of the accounts to complete the transaction if the selection has not been made within the period of time.   
     
     
         33 . The computer-implemented method of  claim 32 , further comprising:
 receiving, from the client device, selection of one of the accounts for which the transaction is authorized.   
     
     
         34 . The computer-implemented method of  claim 33 , further comprising:
 cancelling the transaction when no selection is made in response to the prompt.   
     
     
         35 . The computer-implemented method of  claim 31 , further comprising:
 designating one of the accounts as a default account; and   selecting the default account to complete the transaction.   
     
     
         36 . The computer-implemented method of  claim 35 , wherein selecting the default account comprises selecting the default account based on the information associated with the transaction. 
     
     
         37 . The computer-implemented method of  claim 35 , wherein selecting the default account comprises selecting the default account based on user profile information associated with the multi-account card. 
     
     
         38 . The computer-implemented method of  claim 37 , wherein the user profile information comprises preference information of the user. 
     
     
         39 . The computer-implemented method of  claim 31 , further comprising:
 transmitting to a client device, a notification identifying the authorized accounts for which a transaction is pending.   
     
     
         40 . A computer-implemented method for conducting a transaction, comprising:
 receiving information associated with a transaction initiated using a multi-account card, the multi-account card being associated with a plurality of accounts of a user;   determining, for the accounts, whether the transaction is authorized;   transmitting, based on a determination that the transaction is not authorized, a notification to a client device of the user indicating the accounts for which the transaction is not authorized;   receiving, from the client device, an indication to proceed using the accounts for which the transaction is authorized;   generating a pending transaction for each authorized account to complete a purchase from a merchant;   completing the transaction based on a selection by the user of one of the authorized accounts; and   cancelling, by the one or more processors, pending transactions created for authorized accounts not selected by the user to complete the transaction.