Abstract: Systems and methods for paying a transaction amount at a point of sale (e.g. a physical point of sale or a virtual point of sale) are disclosed. The systems and methods are configured to monitor transaction information to identify eligible transactions at the point of sale. Alternative funding options may be presented at substantially the same time as a transaction is being processed at a point of sale. Based on the user's selection, a credit may be applied to the transaction account corresponding with at least a portion of the transaction amount from the alternative funding source.

Abstract: Systems and methods for paying a transaction amount at a point of sale (e.g. a physical point of sale or a virtual point of sale) are disclosed. The systems and methods are configured to monitor transaction information to identify eligible transactions at the point of sale. Alternative funding options may be presented at substantially the same time as a transaction is being processed at a point of sale. Based on the user's selection, a credit may be applied to the transaction account corresponding with at least a portion of the transaction amount from the alternative funding source.

Abstract: Systems and methods for paying a transaction amount at a point of sale (e.g. a physical point of sale or a virtual point of sale) are disclosed. The systems and methods are configured to monitor transaction information to identify eligible transactions at the point of sale. Alternative funding options may be presented at substantially the same time as a transaction is being processed at a point of sale. Based on the user's selection, a credit may be applied to the transaction account corresponding with at least a portion of the transaction amount from the alternative funding source.

Abstract: Systems and methods for paying a transaction amount at a point of sale (e.g. a physical point of sale or a virtual point of sale) are disclosed. The systems and methods are configured to monitor transaction information to identify eligible transactions at the point of sale. Where the transaction information conforms to predetermined rules, an indicator of an alternative funding source is provided to a user through a web browser, portable electronic device, or other suitable medium. Moreover, the alternative funding options are presented at substantially the same time as a transaction is being processed at a point of sale. Based on the user's selection, a credit may be applied to the transaction account corresponding with at least a portion of the transaction amount from the alternative funding source.

Abstract: The invention is a computer-implemented method and system to facilitate a purchase utilizing a tax-advantaged account. A request for payment for an item is received from a requester. A determination is made whether the item qualifies for pre-tax treatment. If the item qualifies for pre-tax treatment at least a partial payment amount for the item is determined. The tax-advantaged account is debited for at least a portion of the purchasing amount of the item based on the payment authorization; and the at least partial payment amount for the item is transmitted to an account of the requestor.

Abstract: The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.

Abstract: The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.

Abstract: The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.

Abstract: The invention is a computer-implemented method and system to facilitate a purchase utilizing a tax-advantaged account. A request for payment for an item is received from a requester. A determination is made whether the item qualifies for pre-tax treatment. If the item qualifies for pre-tax treatment at least a partial payment amount for the item is determined. The tax-advantaged account is debited for at least a portion of the purchasing amount of the item based on the payment authorization; and the at least partial payment amount for the item is transmitted to an account of the requestor.

Abstract: A computer-implemented method and system to facilitate a purchase utilizing a tax-advantaged account. A request to charge the tax-advantaged account for an item is received at a host computer. A determination is made whether the item qualifies for pre-tax treatment. If the item qualifies for pre-tax treatment then at least partial payment authorization for the item is determined, and the tax-advantaged account is debited for at least a portion of the purchasing amount of the item based on the payment authorization. If the item does not qualify for pre-tax treatment, then a non-tax advantaged account is debited for an item not qualifying for pre-tax treatment.

Abstract: A computer-implemented method and system to facilitate a purchase utilizing a tax-advantaged account. A request for payment for an item is received at a host computer. The item comprises any item that qualifies for pre-tax treatment, including, but not limited to: a medical expense; a dental expense; a dependent care expense; a childcare expense; a work-related parking expense; and a work-related transportation expense. The system determines whether the item qualifies for pre-tax treatment. If the item qualifies for pre-tax treatment, then the tax-advantaged account is debited for at least a portion of the purchasing amount of the item based on the payment request.

Abstract: A computer-implemented system and method to facilitate a purchase utilizing a flexible spending account, comprising the steps of: receiving, at a host computer, a request for payment authorization for an item; determining whether the item qualifies for pre-tax treatment; and when the item qualifies for pre-tax treatment: determining at least partial payment authorization for the item, transmitting the at least partial payment authorization for the item to a point of sale device; causing the flexible spending account to be debited for at least a portion of the purchasing amount of the item based on the payment authorization; and debiting a non-flexible spending account for an item not qualifying for pre-tax treatment.

Abstract: A computer-implemented method to facilitate a purchase by a cardmember using a transaction instrument, comprising: receiving, at a host computer, a request from a provider for payment authorization for a charge to the cardmember using the transaction instrument; determining whether the charge is for a covered healthcare expense; if the charge is determined to be for a covered healthcare expense, then crediting an account of the cardmember with points associated with the value of the charge; and if the charge is determined to be for a non-covered expense, then not crediting the cardmember's account with any points associated with the value of the charge.