Abstract
No assignee for this patent application has been made.News editors obtained the following quote from the background information suppli ed by the inventors:“A user utilizes a transaction card to perform in-person tr ansactions (e.g., purchase goods and/or servicesat a merchant’s store), to perf orm online transactions (e.g., paying a bill, purchasing goods and/orservices, etc.), and/or the like. When performing a transaction with a transaction card, a merchant devicemay request approval of utilization of the transaction card fro m a financial institution that issued thetransaction card.”