Form factor identification

• US 8,224,731 B2
• Filed: 06/17/2011
• Issued: 07/17/2012
• Est. Priority Date: 09/26/2007
• Status: Expired due to Fees

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Maw, Brian, Hammad, Ayman
• Primary Examiner(s): MONFELDT, SARAH M
• Application Number:
  US13/163,352
• Publication Number:
  US 20110313873A1
• Time in Patent Office: 396 Days
• Field of Search: 705/35
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/229 Hierarchy of users of accounts
• 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 20/40 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: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07G 1/14 Systems including one or more distant stations co-operating with a central processing unit data transmission in general H04L; telemetry systems for selectively calling a substation from a main station H04Q9/00

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.

Claims

1. A first payment device comprising:

a body; and

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 form factor indicator value configured to indicate a form of the first payment device, wherein the form factor indicator value distinguishes among different physical forms of payment devices,

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.

2. The first payment device of claim 1, wherein the form factor indicator value indicates that the first payment device is a full-size non-contactless card.

3. The first payment device of claim 1, wherein the form factor indicator value indicates that the first payment device is full-size contactless card.

4. The first payment device of claim 1, wherein the form factor indicator value indicates that the first payment device is a mini non-contactless card.

5. The first payment device of claim 1, wherein the form factor indicator value indicates that the first payment device is a mini contactless card.

6. The first payment device of claim 1, wherein the form factor indicator value indicates that the first payment device is a micro tag.

7. The first payment device of claim 1, wherein the form factor indicator value indicates that the first payment device is a mobile device.

13. The first payment device of claim 1, wherein the form factor indicator value is stored in the Track 2 data of the first payment device.

8. 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 point-of-sale apparatus, the transaction data including a form factor indicator value stored on the payment device, wherein the form factor indicator value indicates the physical form of the payment device and distinguishes among different physical forms of payment devices;

parsing the form factor indicator value from the transaction data; 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 transaction data is used in an authorization request message for the financial transaction, the authorization request message requesting approval of the financial transaction.

9. The method of claim 8, further comprising:

determining whether the payment device is a contactless payment device.

10. The method of claim 8, further comprising:

validating a card verification value (CVV) or a dynamic card verification value (DCVV) associated with the payment device.

14. The method of claim 8, wherein the transaction data is received from the payment device via a wireless interface.

15. The method of claim 8, wherein the point-of-sale apparatus is a point-of-sale read/write device configured to receive transaction data, identify the payment form factor used in a payment transaction from the transaction data, and log the form factor indicator value associated with the payment transaction in the form factor log database.

16. The method of claim 15, wherein the point-of-sale read/write device is a payment terminal, a card reader, a scanner, or a cash register.

17. The method of claim 9, wherein a transaction validator determines whether the payment device is a contactless payment device.

11. A system comprising:

a first payment device comprising a first body and a first computer readable medium disposed on or within the first body, the first computer readable medium comprising code for transaction data including a primary account number and a first form factor indicator value configured to indicate a form of the first payment device, wherein the first form factor indicator value distinguishes among different physical forms of payment devices; and

a second payment device associated with the first payment device comprising a second body and a second computer readable medium disposed on or within the second body, the second computer readable medium comprising code for transaction data including the primary account number and a second form factor indicator value configured to indicate a form of the second payment device.

12. The system of claim 11, wherein the first form factor indicator value indicates a physical form of the first body and wherein the second form factor indicator value indicates a physical form of the second body.