Form factor identification
First Claim
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1. A method of identifying a form factor of a payment device during a financial transaction, comprising:
- receiving transaction data from the payment device at a card transceiver/scanner, the transaction data including a form factor indicator value enclosed on the payment device within track 2 equivalent data wherein the form factor indicator value distinguishes among different physical forms of the payment device;
parsing the form factor indicator value from the transaction data, wherein the parsing is performed by a form factor identifier coupled to the card transceiver/scanner; and
either transmitting the form factor indicator value to a payment processor or storing the form factor indicator value in a form factor log database, wherein the transmitter or storing is performed by a data processor,wherein the transaction data is used in an authorization request message for the financial transaction, the authorization request message requesting approval of the financial transaction.
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Abstract
A payment device, method, and apparatus configured to determine the form factor of the payment device used in a financial transaction, without requiring a different primary account number for each payment device form factor.
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Citations
19 Claims
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1. A method of identifying a form factor of a payment device during a financial transaction, comprising:
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receiving transaction data from the payment device at a card transceiver/scanner, the transaction data including a form factor indicator value enclosed on the payment device within track 2 equivalent data wherein the form factor indicator value distinguishes among different physical forms of the payment device; parsing the form factor indicator value from the transaction data, wherein the parsing is performed by a form factor identifier coupled to the card transceiver/scanner; and either transmitting the form factor indicator value to a payment processor or storing the form factor indicator value in a form factor log database, wherein the transmitter or storing is performed by a data processor, wherein the transaction data is used in an authorization request message for the financial transaction, the authorization request message requesting approval of the financial transaction. - View Dependent Claims (2, 3, 4)
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5. A point-of-sale apparatus, comprising:
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a card transceiver/scanner configured to receive transaction data from a payment device in a financial transaction, the transaction data including a form factor indicator value encoded on the payment device within track 2 equivalent data, wherein the form factor indicator value distinguishes among different physical forms of the payment device; a form factor identifier, coupled to the card transceiver/scanner, configured to parse the form factor indicator value from the transaction data; a data processor configured to either transmit the form factor indicator value to a payment processor via network interface or to store the form factor indicator value in a form factor log database, wherein the transaction data is used in an authorization request message for the financial transaction, the authorization request message requesting approval of the financial transaction. - View Dependent Claims (6, 7, 8)
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9. A payment device comprising:
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a body; and a memory comprising a computer readable medium disposed on or within the body, the computer readable medium comprising code for transaction data including a primary account number, an expiration date, and a device indicator value configured to indicate a form factor of the payment device, the device indicator value being encoded within track 2 equivalent data, wherein the device indicator value distinguishes among different physical forms of the payment device, and wherein the transaction data is used in an authorization request message for a transaction associated with the payment device, the authorization request message requesting approval of the transaction. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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Specification