US 8732085

A search of the USPTO database for patent number US8732085B2 provides the following information:

Patent Number: US8732085B2

Title: Proxy card providing indirect funds access

Assignee: Enpulz, L.L.C., Chicago, IL (US) (at the time of issue)
Note: The Google Patents entry shows Paypulz LLC as the "Current Assignee" and Enpulz LLC as the "Original Assignee". For the purpose of this summary, the assignee at the time of issue as listed on the patent document is used.

Inventors: James D. Bennett

Filing Date: October 30, 2012 (Application No. 13/664,136)

Issue Date: May 20, 2014

Abstract: A proxy card used at an ATM, or at any vendor store, that has a legacy point of sale unit or at a store with the smart point of sale. In general, it can be used with any vendor and otherwise as any credit or debit card might be used. The point-of-sale unit interacts with a multi-source processing system (MSPS) that, instead of servicing a single money source, interacts with more than one of a plurality of monetary sources that may be associated with the proxy card. The money transferred from credit or debit accounts of the user may be either transferred directly or indirectly via a proxy central account associated with the MSPS that a user maintains.

Plain-Language Overview of Independent Claims:

• Claim 1: This claim describes a proxy card management system for a first buyer who has a first card linked to a first monetary account and a second card linked to a second monetary account. The proxy card itself doesn't directly represent an account. The system includes a processing infrastructure that allows the buyer to associate the proxy card with both the first and second cards. The buyer can also set up transaction rules, such as how to allocate a purchase amount between the first and second monetary accounts. When a merchant initiates a transaction using the proxy card, the system, following these rules, provides a single approval code. Crucially, if the proxy card is reported lost, the system can disassociate both the first and second cards from the proxy card without requiring the cancellation of the underlying first or second cards.
• Claim 7: This claim describes the proxy card itself in relation to a management system. The proxy card has a unique number stored in the management system, linked to the first and second provider's cards of a first buyer. The proxy card does not have its own monetary account. It facilitates purchases indirectly through the management system based on a transaction rule for allocating a purchase amount between the two provider's cards. The card can be deactivated by disassociating it from the linked provider's cards without closing the underlying monetary accounts.
• Claim 16: This claim outlines a proxy card management system that works with at least a first and second provider's card and a proxy card. Similar to Claim 1, the first provider's card represents a first monetary account, and the proxy card has no independent monetary account association. The system's processing infrastructure includes a proxy card setup system where the first buyer links the proxy card to the provider's cards and can modify transaction rules for allocating purchase amounts. When a merchant initiates a transaction with the proxy card, the system, adhering to these rules, generates an approval indication by applying the purchase amount to the first monetary account. If a request is made to terminate the proxy card, the processing infrastructure is configured to disable any future generation of approval indications by the multi-source processing system that refer to the terminated proxy card.

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