On-us cash withdrawal at a point-of-sale
3 Assignments
0 Petitions
Accused Products
Abstract
Various embodiments of systems, methods, computer programs, merchant terminals, etc. for providing an on-us cash withdrawal service at a point-of-sale are provided. One embodiment comprises a method for providing a cash withdrawal service at a point-of-sale. One such method comprises: issuing an association-branded financial card to a cardholder, the association-branded financial card comprising an association account number corresponding to a credit card association and a proprietary account number corresponding to an issuer of the association-branded financial card; at a merchant terminal, reading the proprietary account number from the association-branded financial card and receiving a cash withdrawal amount; providing the proprietary account number and the cash withdrawal amount to a switch associated with the issuer; at the switch, determining the association account number based on the proprietary account number; and authorizing the cash withdrawal amount by submitting an authorization request to a issuing host, the authorization request including the association account number and the cash withdrawal amount.
11 Citations
20 Claims
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1-7. -7. (canceled)
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8. A method for providing an on-us cash withdrawal service, the method comprising:
- reading a proprietary account number from an association-branded financial card corresponding to a cardholder;
receiving a cash withdrawal amount;
providing the proprietary account number and the cash withdrawal amount to an issuer switch;
translating the proprietary account number to an association account number associated with the association-branded financial card;
submitting an authorization request to an issuing host, the authorization request including the association account number and the cash withdrawal amount; and
authorizing the cash withdrawal amount for the association account number. - View Dependent Claims (9, 10)
- reading a proprietary account number from an association-branded financial card corresponding to a cardholder;
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11. A method for providing an on-us cash withdrawal service, the method comprising:
- issuing an association-branded financial card to a cardholder, the association-branded financial card comprising an association account number corresponding to a credit card association and a proprietary account number corresponding to an issuer of the association-branded financial card;
at a merchant terminal, reading the proprietary account number from the association-branded financial card and receiving a cash withdrawal amount;
providing the proprietary account number and the cash withdrawal amount to a switch associated with the issuer;
at the switch, determining the association account number based on the proprietary account number; and
authorizing the cash withdrawal amount by submitting an authorization request to a issuing host, the authorization request including the association account number and the cash withdrawal amount.
- issuing an association-branded financial card to a cardholder, the association-branded financial card comprising an association account number corresponding to a credit card association and a proprietary account number corresponding to an issuer of the association-branded financial card;
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12. A method for providing an on-us cash withdrawal service, the method comprising:
- issuing an association-branded private label financial services card to a customer, the financial services card comprising a magnetic strip on which an association account number is stored on a first track and on which a proprietary account number associated with a card issuer is stored on a second track; and
configuring a merchant terminal to read the second track in response to a request for a cash withdrawal amount and submit the proprietary account number to a switch for authorization. - View Dependent Claims (13, 14, 15, 16, 17)
- issuing an association-branded private label financial services card to a customer, the financial services card comprising a magnetic strip on which an association account number is stored on a first track and on which a proprietary account number associated with a card issuer is stored on a second track; and
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18. A system for providing an on-us cash withdrawal service, the system comprising:
- a merchant terminal for reading a cardholder'"'"'s financial card, the financial card comprising a magnetic strip on which an association account number is stored on a first track and on which a proprietary account number associated with a card issuer is stored on a second track; and
logic associated with the merchant terminal for capturing the proprietary account number in response to a request for an on-us cash withdrawal. - View Dependent Claims (19, 20)
- a merchant terminal for reading a cardholder'"'"'s financial card, the financial card comprising a magnetic strip on which an association account number is stored on a first track and on which a proprietary account number associated with a card issuer is stored on a second track; and
Specification