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Method, apparatus, and computer program product for topping up prepaid payment cards for offline use

  • US 8,341,084 B2
  • Filed: 06/08/2009
  • Issued: 12/25/2012
  • Est. Priority Date: 06/08/2009
  • Status: Active Grant
First Claim
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1. A method for enhancing the functionality of a pre-paid payment card configured for use in an infrastructure in accordance with a payment specification requiring different procedures for normal transactions using said pre-paid payment card in the infrastructure versus that required for topping-up of a balance associated with said prep-paid payment card, comprising the steps of:

  • registering risk mitigation information in association with said pre-paid payment card contemporaneously with an initial top-up of the pre-paid payment card;

    subsequent to said initial top-up and registration of the risk mitigation information, conducting an online transaction with said pre-paid payment card outside said infrastructure;

    downloading an indicator to an electronic memory of the pre-paid payment card while conducting the online transaction, the indicator identifying the pre-paid card as having said risk mitigation information associated therewith;

    presenting said pre-paid payment card to a reader within said infrastructure, andconducting an offline transaction based upon detection by the reader of the indicator in the electronic memory of the pre-paid payment card.

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