Method and system using a bitmap for passing contactless payment card transaction variables in standardized data formats

• US 20060022033A1
• Filed: 07/15/2005
• Published: 02/02/2006
• Est. Priority Date: 07/15/2004
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Smets, Patrick, Van De Velde, Eddy Lodewijk Hortensia
• Granted Patent: US 7,669,772 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/346 Cards serving only as information carrier of service
• CPC Class Codes: G06Q 20/357 Cards having a plurality of specified features
• CPC Class Codes: G06Q 20/4018 using the card verification value [CVV] associated with the card
• CPC Class Codes: G07F 7/084 Additional components relating to data transfer and storing, e.g. error detection, self-diagnosis
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

An electronic payment system is configured to process both proximity payment card type and magnetic stripe card type transactions. The magnetic stripe card transaction data is communicated between cards, readers, and transactions authorizing or approving parties in common industry ISO 7811 standard data structures or tracks. The proximity payment card transaction data such a dynamic authentication codes are placed in unused space in the same standard formatted data structures. The availability of unused space varies with card issuer or vendor. An issuer-specific bitmap provides an index to the available space in discretionary data fields in magnetic stripe tracks. The bitmap also is stored in the card'"'"'s discretionary data field.

Claims

1. A method for integrating proximity payment card transaction parameters in industry standard (ISO 7811) formatted data structures that comprise Track 1, Track 2 and Track 3 data structures (Tracks), the method comprising the steps of:

(a) providing a bitmap which identifies unused positions in a discretionary data field in a Track on the proximity payment card; and

(b) placing the proximity payment card transaction parameters in the discretionary data field in the Track at positions identified by the bitmap,

whereby the resulting Track data is in a format compatible with electronic payment system infrastructure for processing magnetic stripe card transactions.

2. The method of claim 1 wherein the proximity payment card transaction parameters comprise a dynamic authentication code (CVC3), and wherein the step (a) of providing a bitmap comprises providing a two-byte bitmap which identifies unused positions in a 13 digit discretionary data field in Track 2.

3. The method of claim 1 wherein the proximity payment card transaction parameters comprise at least two of a dynamic authentication code (CVC3), an automatic transaction counter (ATC) and an unidentified number (UN), and wherein the step (a) of providing a bitmap comprises providing a plurality of corresponding bitmaps which identify unused positions in the discretionary data field in the Track for placing the proximity payment card transaction parameters present.

4. The method of claim 1 wherein the proximity payment card transaction parameters relate to a transaction between a proximity payment card and a terminal, wherein step (b) further comprises using terminal processes to place the proximity payment card transaction parameters in the discretionary data field in the Track at positions identified by the bitmap.

5. The method of claim 4 wherein the terminal sends an UN to the proximity payment card, and wherein the proximity payment card computes a CVC3 value based on a portion of the received UN and communicates the computed CVC3 value to the terminal for placement in the discretionary data field in the Track.

6. The method of claim 5 wherein the proximity payment card computes the CVC3 value based on a portion of the UN and an ATC and communicates the computed CVC3 value and the ATC to the terminal for placement in the discretionary data field in the Track.

7. The method of claim 5 wherein the proximity payment card communicates the computed CVC3 value to the terminal in binary format and the terminal converts the received CVC3 value in BCD format before placement in the discretionary data field in the Track.

8. A system for integrating parameters related to a transaction involving a proximity payment card and a terminal in industry standard (ISO 7811) formatted data structures that comprise Track 1, Track 2 and Track 3 data structures (Tracks), the system comprising

(a) a bitmap which identifies unused positions in a discretionary data field in a Track on the proximity payment card;

and

(b) an application configured to place the transaction parameters in the discretionary data field in the Track at positions identified by the bitmap so that the resulting Track data is in a format compatible with electronic payment system infrastructure for processing magnetic stripe card transactions.

9. The system of claim 8 wherein the transaction parameters comprise a dynamic authentication code (CVC3), and wherein the bitmap comprises a two-byte bitmap which identifies unused positions in a 13 digit discretionary data field in Track 2.

10. The system of claim 8 wherein the transaction parameters comprise at least two of a dynamic authentication code (CVC3), an automatic transaction counter (ATC) and an unidentified number (UN), and wherein the bitmap comprises a plurality of corresponding bitmaps which identify unused positions in the discretionary data field in the Track for placing the transaction parameters present.

11. The system of claim 8 wherein the application comprises a terminal application which places the transaction parameters in the discretionary data field in the Track at positions identified by the bitmap.

12. The system of claim 11 wherein the terminal sends an UN to the proximity payment card and the proximity payment card computes a CVC3 based on a portion of the UN and communicates the computed CVC3 to the terminal, and wherein the terminal application is configured to place the received CVC3 in the discretionary data field in the Track.

13. The system of claim 12 wherein the proximity payment card computes a CVC3 based on a portion of the UN and an ATC and communicates the computed CVC3 and the ATC to the terminal, and wherein the terminal application is configured to place the received CVC3 and ATC in the discretionary data field in the Track for placement in the discretionary data field in the Track.

14. The system of claim 12 wherein the proximity payment card communicates the computed CVC3 value to the terminal in binary format, and wherein the terminal application is configured to convert the received CVC3 in BCD format and place the CVC3 in BCD format in the discretionary data field in the Track.