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

• US 7,669,772 B2
• Filed: 07/15/2005
• Issued: 03/02/2010
• 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
• Primary Examiner(s): Koyama; Kumiko C
• Application Number:
  US11/182,351
• Publication Number:
  US 20060022033A1
• Time in Patent Office: 1,691 Days
• Field of Search: 235/380, 235/492, 235/493, 711/102, 711/104, 711/115
• US Class Current: 235/492
• 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 for a payment-by-proximity-card transaction in industry standard -ISO 7811-formatted magnetic card data structures, wherein said magnetic card data structures comprise industry-standard Track 1, Track 2 and Track 3 magnetic card data structures, such that said proximity payment transaction parameters are in a format compatible with an electronic payment system infrastructure for processing magnetic stripe card payment transactions, the method comprising the steps of:

(a) providing in a data field on a proximity payment card a static bitmap which identifies unused positions in a discretionary data field of said magnetic card formatted data structure associated with said proximity payment card; and

(b) contactlessly transmitting said bitmap to a proximity payment terminal for placing said proximity payment card transaction parameters in the discretionary data field of said industry standard magnetic card formatted data structure at positions identified by the bitmap,

the resulting electronic proximity payment transaction processing message generated by said proximity payment terminal using said bitmap is in a standard magnetic stripe format compatible with electronic payment system infrastructure for processing magnetic stripe card payment transactions and so that the payment-by-proximity-card transaction is processed by said electronic payment system infrastructure as if the payment-by-proximity-card transaction is a standard magnetic stripe card payment transaction.

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 unpredictable 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 unpredictable number (UN) to the proximity payment card, and wherein the proximity payment card computes a dynamic authentication code (CVC3) value based on a portion of the received unpredictable number (UN) and communicates the computed dynamic authentication code (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 dynamic authentication code (CVC3) value based on a portion of the-unpredictable number (UN) and an automatic transaction counter (ATC) and communicates the computed dynamic authentication code (CVC3) value and the automatic transaction counter (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 dynamic authentication code (CVC3) value to the terminal in binary format and the terminal converts the received dynamic authentication code (CVC3) value in binary coded decimal (BCD) format before placement in the discretionary data field in the Track.

8. The method of claim 1 wherein said proximity payment card receives contactlessly from said proximity payment card terminal an unpredictable number having a number of non-zero digits, wherein said number of non-zero digits are determined based on a portion of said static bitmap and wherein payment card transaction parameters are based at least in part on said unpredictable number.

9. A proximity payment terminal for integrating proximity payment card transaction parameters related to a payment-by-proximity-card transaction, involving a proximity payment card and a terminal, in industry standard -ISO 7811-magnetic card formatted data structures, wherein said magnetic card data structures comprise Track 1, Track 2 and Track 3 data structures in electronic payment transaction processing messages, such that said proximity payment transaction parameters are in a format compatible with an electronic payment system infrastructure for processing magnetic stripe card payment transactions, the terminal comprising:

(a) a receiver for receiving from a proximity payment device a static bitmap which identifies unused positions in a discretionary data field of said industry standard formatted data structure associated with said proximity payment device, which discretionary data field under the ISO 7811 standard is reserved exclusively for card-issuer discretionary data use and is not designated for use by merchant, acquirer, or other transaction party data; and

(b) an application configured to place the proximity payment card transaction parameters in the discretionary data field of said industry standard formatted magnetic card data structure at positions identified by the bitmap so that the resulting in electronic payment transaction processing message is in a format compatible with electronic payment system infrastructure for processing magnetic stripe card payment transactions and so that the payment-by-proximity-card transaction is processed by said electronic payment system infrastructure as if the payment-by-proximity-card transaction is a standard magnetic stripe card payment transaction.

10. The system of claim 9 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.

11. The system of claim 9 wherein the transaction parameters comprise at least two of a dynamic authentication code (CVC3), an automatic transaction counter (ATC) and an unpredictable 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.

12. The system of claim 9 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.

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

14. The system of claim 13 wherein the proximity payment card computes a dynamic authentication code (CVC3) based on a portion of the unpredictable number (UN) and an automatic transaction counter (ATC) and communicates the computed dynamic authentication code (CVC3) and the automatic transaction counter (ATC) to the terminal, and wherein the terminal application is configured to place the received dynamic authentication code (CVC3) and ATC in the discretionary data field in the Track for placement in the discretionary data field in the Track.

15. The system of claim 13 wherein the proximity payment card communicates the computed dynamic authentication code (CVC3) value to the terminal in binary format, and wherein the terminal application is configured to convert the received dynamic authentication code (CVC3) in binary coded decimal (BCD) format and place the dynamic authentication code (CVC3) in binary coded decimal (BCD) format in the discretionary data field in the Track.

16. The system of claim 9 wherein the transaction parameters comprise an unpredictable number having a number of non-zero digits, wherein said number of non-zero digits are determined based on a portion of said static bitmap and wherein payment card transaction parameters are based at least in part on said unpredictable number.