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METHOD, APPARATUS, AND COMPUTER PROGRAM PRODUCT FOR TOPPING UP PREPAID PAYMENT CARDS FOR OFFLINE USE

  • US 20100312617A1
  • Filed: 06/08/2009
  • Published: 12/09/2010
  • Est. Priority Date: 06/08/2009
  • Status: Active Grant
First Claim
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1. A method comprising the steps of:

  • facilitating a card holder carrying out an initial top-up of a balance of a pre-paid payment card, said prepaid payment card being configured for use in an infrastructure in accordance with a payment specification requiring different behavior for normal transactions in said infrastructure versus that required for topping-up of said balance;

    contemporaneously with said initial top-up, facilitating said card holder registering risk mitigation information in association with said pre-paid payment card;

    subsequent to said initial top-up, facilitating writing an indicator to said pre-paid payment card during a transaction with said pre-paid payment card outside said infrastructure, said indicator identifying said pre-paid payment card as having said risk mitigation information associated therewith; and

    during subsequent presentation of said pre-paid payment card to said infrastructure, treating said pre-paid payment card as a token backed up by said risk mitigation information, based on presence of said indicator on said pre-paid payment card.

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