METHODS, APPARATUS AND ARTICLES FOR USE IN ASSOCIATION WITH TOKEN

• US 20100174612A1
• Filed: 01/05/2009
• Published: 07/08/2010
• Est. Priority Date: 01/05/2009
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Tanner, Colin, Evans, Paul Michael
• Granted Patent: US 8,812,402 B2
• Time in Patent Office: Days
• US Class Current: 705/16
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G07F 17/42 for ticket printing or like apparatus , e.g. apparatus for dispensing of printed paper tickets or payment cards
• CPC Class Codes: G07F 7/0806 Details of the card record carriers per se G06K

Abstract

In some embodiments, a method comprises receiving a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and temporarily associating the token with the payment account in response at least in part to the request. In some embodiments, a method comprises issuing a token to a customer before the token is associated with a payment account; and arranging for the customer to have an ability to request that the token be associated with a payment account and usable as a payment token. In some embodiments, a method comprises receiving a mapping associating an identifier of a token with a payment account; receiving the identifier from a point of sale system; and determining the payment account based at least in part on the mapping and the identifier received from the point of sale system. In some embodiments, apparatus comprises: a processing system to: receive a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and temporarily associate the token with the payment account in response at least in part to the request. In some embodiments, apparatus comprises: a processing system to: receive a mapping associating an identifier of a token with a payment account; receive the identifier from a point of sale system; and determine the payment account based at least in part on the mapping and the identifier received from the point of sale system.

Claims

1. A method comprising:

receiving a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and

temporarily associating the token with the payment account in response at least in part to the request;

wherein the temporarily associating the token is performed by a processing system.

2. The method of claim 1, wherein receiving a request comprises receiving a request directly from the customer.

3. The method of claim 1, wherein the token comprises a ticket to a venue.

4. The method of claim 1, further comprising:

reporting the temporary association on a statement for the payment account.

5. The method of claim 1, further comprising:

receiving a request to authorize a payment transaction associated with the payment account;

receiving criteria for using the token in a payment transaction;

determining if the payment transaction satisfies the criteria; and

authorizing the payment transaction if the payment transaction satisfies the criteria.

6. The method of claim 5, wherein the criteria identifies at least one of:

a good that may be purchased using the token; and

a good that may not be purchased using the token.

7. The method of claim 5, wherein the token comprises a first token, the method further comprising receiving a request from the customer to associate a second token with the payment account.

8. The method of claim 5 wherein the receiving a request to authorize a payment transaction, the receiving criteria, the determining and the authorizing are performed by the processing system.

9. The method of claim 5, further comprising reporting the payment transaction on a statement for the payment account.

10. The method of claim 7, further comprising:

receiving criteria for using the second token in a payment transaction;

determining if the payment transaction satisfies the criteria for using the second token; and

authorizing the payment transaction if the payment transaction satisfies the criteria for using the second token.

11. The method of claim 10, wherein the criteria for using the first token in a payment transaction is different than the criteria for using the second token in a payment transaction.

12. The method of claim 1 wherein temporarily associating the token with the payment account comprises:

associating the token with the payment account for a predetermined time period.

13. The method of claim 12 wherein the predetermined time period is based at least in part on a date of an event at the venue.

14. A method comprising:

issuing a token to a customer before the token is associated with a payment account; and

arranging for the customer to have an ability to request that the token be associated with a payment account and usable as a payment token.

15. The method of claim 14, wherein the token comprises a ticket to a venue.

16. The method of claim 15, further comprising:

printing a notice regarding the arrangement.

17. A method for a processing system, the method comprising:

receiving a mapping associating an identifier of a token with a payment account;

receiving the identifier from a point of sale system; and

determining the payment account based at least in part on the mapping and the identifier received from the point of sale system.

18. The method of claim 17, wherein receiving the mapping comprises:

receiving the mapping from a financial institution.

19. The method of claim 17, wherein the token comprises a ticket to a venue.

20. The method of claim 17, further comprising:

initiating a payment transaction associated with the payment account.

21. The method of claim 17 further comprising:

printing a receipt for the payment transaction.

22. Apparatus comprising:

a processing system to;

receive a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and temporarily associate the token with the payment account in response at least in part to the request.

23. Apparatus comprising:

a processing system to;

receive a mapping associating an identifier of a token with a payment account;

receive the identifier from a point of sale system; and

determine the payment account based at least in part on the mapping and the identifier received from the point of sale system.

24. An article comprising a machine readable storage medium having instructions stored thereon that if executed by a processing system result in the following:

receiving a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and

temporarily associating the token with the payment account in response at least in part to the request.

25. An article comprising a machine readable storage medium having instructions stored thereon that if executed by a processing system result in the following:

receiving a mapping associating an identifier of a token with a payment account;

receiving the identifier from a point of sale system; and

determining the payment account based at least in part on the mapping and the identifier received from the point of sale system.