A dual credit card system is in two parts: a) the creation of a dual credit card;
and b) the usage of a dual credit card. The creation begins with the receipt of
an application by merchant for a dual credit card. The issuing organization issues
the dual credit card to the applicant. The user may make a purchase with the dual
credit card at either a private label merchant location or at a location accepting
the bankcard. These locations may traditional physical locations, a web site on
the Internet or a catalog. When a purchase is made at a merchant location, the
processing of the merchant location dual credit card purchase is done via a private-label
processing channel. If the user uses the dual credit card at a non-merchant location,
the purchase may be processed through the VISA/MasterCard network.
