Patent application number | Description | Published |
20100332387 | Method, Apparatus, and Computer Program Product for Allowing Payment Cards Issued for Only Limited Duration Use to be Reused Multiple Times to Reduce the Overall Cost of Issuance - A recyclable contactless payment device is issued to a first patron of a venue. Use of the contactless payment device at the venue by the first patron is facilitated, as is return of the contactless payment device by the first patron for recycling. The contactless payment device is deactivated and stored. The issuing and facilitation of use are repeated for at least a second patron of the venue, with the same recyclable contactless payment device. | 12-30-2010 |
20120011062 | Apparatus and Method for Dynamic Offline Balance Management for Preauthorized Smart Cards - A smart payment device is issued to a user; the device is capable of both offline and online transactions and has a total available balance split. The split is between an available offline balance and an available online balance. It is determined whether the user has entered a primarily offline environment or will imminently enter a primarily offline environment. If this is so, the total available balance split is redistributed to favor offline transactions. | 01-12-2012 |
20120173423 | LOCAL MANAGEMENT OF PAYMENT TRANSACTIONS - It is determined whether a payment device has come into association with a special spending environment. If so, an authorization and guarantee for a predetermined amount of funds to cover multiple transactions within the special spending environment is requested from an issuer of the payment device. If successful, a balance, based on the predetermined amount of funds, is established on a local authorization platform that is associated with the special spending environment and that is separate from the issuer of the payment device. A series of purchases with the payment device, within the special spending environment, is tracked. For each given purchase of the series of purchases, the balance is adjusted to reflect the value of the given purchase. At some point, it is determined that the series of purchases is ended. An additional step includes, subsequent to determining that the series of purchases is ended, communicating with the issuer to request payment as to only that portion of the predetermined amount of funds actually spent in the series of purchases. A further step includes facilitating an immediate release of the guarantee as to that portion of the predetermined amount of funds not actually spent in the series of purchases. The immediate release is subsequent to determining that the series of purchases is ended. A special callback command to summon back funds is also contemplated. | 07-05-2012 |
20130212025 | MECHANISM TO ALLOW THE USE OF DISPOSABLE CARDS ON A SYSTEM DESIGNED TO ACCEPT CARDS CONFORMING TO THE STANDARDS OF THE GLOBAL PAYMENTS INDUSTRY - At a terminal assembly associated with a physical access point, payment device data is obtained from a reduced-functionality payment device, and the data is identified as emanating from such a device. In response, the payment device data emanating from the reduced-functionality payment device is converted into an authorization request or an access request, of a format consistent with full-functionality payment devices. The authorization request or access request is dispatched into a payment infrastructure which is configured to handle same, but is not configured to handle the reduced-functionality payment device. | 08-15-2013 |
20140129441 | SYSTEMS AND METHODS FOR AUTHORIZING SENSITIVE PURCHASE TRANSACTIONS WITH A MOBILE DEVICE - Systems, apparatus and methods are presented that enable an issuer financial institution (FI) to contact a financial account holder concerning a possibly fraudulent purchase transaction via a non-intrusive notification transmitted to a mobile device. An embodiment includes receiving, by the cardholder's mobile device, a transaction alert message, providing an indication of the transaction alert message, and displaying transaction alert information along with a validate indicator and a decline indicator. The process also includes receiving a selection of the validate indicator, prompting the cardholder to enter a mobile personal identification number (mPIN), validating the mPIN, and then transmitting a validation signal to an issuer FI. | 05-08-2014 |
20140143108 | MOBILE DEVICE PROVISIONING FRAMEWORK SYSTEM - Described are systems, apparatus and methods for simplifying and streamlining mobile payment device provisioning. A mobile device provisioning framework system includes a plurality of components that interact by using standard interface specifications and standard messaging specifications to facilitate the provisioning of mobile devices. In an embodiment, a mobile device provisioning framework system provides standardized interface specifications, standardized messaging specifications, and a plurality of predetermined mobile device standard profiles. The mobile device provisioning framework system receives a selection of a standard profile from an issuer computer, and then provisions a consumer's mobile device based on the selected standard profile. | 05-22-2014 |
20140164237 | METHOD AND SYSTEM FOR SHARING AND DISTRIBUTING CONTENT DURING A CONSUMER EXPERIENCE - A method for funding and sharing an experience includes: reading a code encoded with an identifier; transmitting the identifier; receiving details for a transaction, the details including a transaction amount; displaying the amount to a consumer; receiving an indication of transaction options; transmitting the transaction options for processing the transaction; receiving an indication of transaction approval; and displaying a prompt to share experience information with a social network. A method for distributing content includes: storing details for a transaction, the details including an identifier, an amount, and a stage; receiving a content request including an identification; identifying specific details where the identifier corresponds to the identification; transmitting content based on the stage included in the specific details where if the stage indicates the transaction is to be processed the content includes the amount included in the specific details; and receiving an indication of approval of the financial transaction. | 06-12-2014 |
20140191029 | METHODS, APPARATUS, COMPUTER PROGRAM PRODUCTS AND ARTICLES FOR USE IN PROVIDING HUMAN UNDERSTANDABLE INDICATION OF ACCOUNT BALANCE - In accordance with some embodiments, a method includes receiving, in a proximity coupling system, holder consent to provide a human understandable indication of an account balance associated with a payment account; and providing a human understandable indication of the account balance associated with the payment account via an output device, in response at least in part to the consent; wherein receiving holder consent comprises receiving holder consent provided via a proximity payment device associated with the payment account. In accordance with some embodiments, a method includes storing account data and preference data in a proximity payment device, the preference data indicative of a preferred method to provide a human understandable indication of an account balance. In accordance with some embodiments, apparatus includes a proximity payment device, the proximity payment device including preference data, the preference data indicative of a preferred method to provide a human understandable indication of an account balance. In accordance with some embodiments, apparatus includes a proximity payment device wherein the proximity payment device generates data indicative of whether there is consent to provide a human understandable indication of an account balance based at least in part on whether a holder has actuated a switch. | 07-10-2014 |
20140236821 | METHOD AND SYSTEM FOR THE TRANSMISSION OF AUTHENTICATED AUTHORIZATION REQUESTS - A method for verifying the source of an authorization request includes: storing an integrated circuit card (ICC) master key; receiving an authorization request for a transaction, wherein the request includes an ICC dynamic number, and the ICC dynamic number is extracted from signed data, based on the ICC master key, generated by a payment card during combined data authentication (CDA); verifying the authenticity of the ICC dynamic number using the stored ICC master key; and transmitting the authorization request to a third party. A method for transmitting an authentic authorization request includes: storing payment card data, the data including an ICC master key associated with the payment card; authenticating the card data using CDA to generate signed data; extracting, from the signed data, an ICC dynamic number based on the ICC master key; and transmitting an authorization request for a transaction, the request including the extracted ICC dynamic number. | 08-21-2014 |