Apparatus, method, and computer program product for encoding enhanced issuer information in a card

• US 8,401,964 B2
• Filed: 04/28/2010
• Issued: 03/19/2013
• Est. Priority Date: 04/28/2009
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Radu, Cristian, Garrett, Duncan, Mestr, Patrick
• Primary Examiner(s): JOHNSON, GREGORY L
• Application Number:
  US12/769,383
• Publication Number:
  US 20100325039A1
• Time in Patent Office: 1,056 Days
• Field of Search: 705 35- 44, 235379-382
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/38 Payment protocols; Details thereof
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• 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: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/12 Card verification

Abstract

Facilitating communications between an electronic payment device and an issuer host includes storing in the payment device a set of personalization parameters. A first set of status information indicative of available status information relating to the payment device is transformed into a second set of status information based on the set of personalization parameters, and/or a second set of actions is selected from a first set of actions indicative of available actions to be performed by the payment device based on the set of personalization parameters and an order received from the issuer for initiating at least one corresponding action in the payment device. The second set of status information includes a subset of the first set of status information; the second set of actions includes a subset of the first set of actions. The payment device transmits the second set of status information to the issuer and/or initiates the actions in the second set of actions corresponding to the order received from the issuer.

Claims

1. A method for facilitating communications between an electronic payment device and an issuer host, the method comprising the steps of:

storing, by the issuer host in the payment device, a set of personalization parameters;

performing at least one of (i) transforming, as a function of the set of personalization parameters, a first set of status information indicative of available status information relating to the payment device into a second set of status information, the second set of status information comprising a subset of the first set of status information, and (ii) selecting, from a first set of actions indicative of available actions to be performed by the payment device, a second set of actions as a function of the set of personalization parameters and an order received from the issuer host for initiating at least one corresponding action in the payment device, the second set of actions being a subset of the first set of actions; and

the payment device performing at least one of (i) transmitting the second set of status information to the issuer host, and (ii) initiating all actions in the second set of actions corresponding to the order received from the issuer host.

2. The method of claim 1, wherein the status information relating to the payment device comprises internal data generated by the payment device for tracking a status of risk management resources used by a payment application program executing on the payment device.

3. The method of claim 1, wherein the step of storing the set of personalization parameters comprises generating a mapping including one or more tuples, each of the tuples corresponding to a given bit in the second set of status information, each tuple including a first element identifying a corresponding offset into the first set of status information and a second element identifying which bits of information in the first set of status information to consider in computing a value of a corresponding bit in the second set of status information.

4. The method of claim 3, wherein a value of a given bit in the second set of status information is computed by:

retrieving a first value from an offset into the first set of status information identified by the first element of a selected tuple corresponding to the given bit in the second set of status information;

comparing the first value from the offset into the first set of status information and the second element of the selected tuple; and

for each set bit position in the second element of the selected tuple, setting the given bit in the second set of status information when at least one of the bits in the first value corresponding to set bit positions in the second element of the selected tuple is set.

5. The method of claim 3, wherein a value of a given bit in the second set of status information is computed by:

retrieving a first value from an offset into the first set of status information identified by the first element of a selected tuple corresponding to the given bit in the second set of status information;

comparing the first value from the offset into the first set of status information and the second element of the selected tuple; and

for each set bit position in the second element of the selected tuple, setting the given bit in the second set of status information when all of the bits in the first value corresponding to set bit positions in the second element of the selected tuple are set.

6. The method of claim 1, wherein the set of personalization parameters comprises at least one of:

selected status information in the first set of status information that the issuer host is interested in receiving; and

one or more actions in the first set of actions that the issuer host is interested in being performed by the payment device in response to corresponding orders initiated by the issuer host.

7. The method of claim 1, wherein the status information relating to the payment device comprises data to be sent from the payment device to the issuer host during at least one of authorization, clearing and settlement of one or more payment transactions associated with the payment device.

8. The method of claim 1, wherein the step of storing the set of personalization parameters comprises generating a mapping including one or more orders associated with the issuer host and one or more selected actions in the first set of actions to be performed by the payment device, each given order in the mapping being assigned by the issuer host to at least a corresponding one of the selected actions in the mapping to be performed by the payment device in response to the given order.

9. The method of claim 8, wherein an authorization response cryptogram (ARPC) response code included in an authorization response sent by the issuer host to the payment device comprises an order in the mapping.

10. The method of claim 8, wherein a given order in the mapping is assigned a plurality of corresponding selected actions to be performed by the payment device in response thereto.

11. The method of claim 8, wherein the mapping comprises a table including a plurality of entries, each entry including at least one of the selected actions in the mapping, each of the orders in the mapping being used as an index to a corresponding entry in the table, the payment device performing the at least one of the selected actions associated with an entry indexed by a corresponding one of the orders.

12. The method of claim 1, wherein for a check that matches a predetermined event in a risk management processing action performed by the payment device, a corresponding bit in the first set of status information is set.

13. The method of claim 1, wherein the first set of actions comprises at least one of updating at least one accumulator in the payment device, updating at least one counter in the payment device, setting at least one accumulator in the payment device to a prescribed value, setting at least one counter in the payment device to a prescribed value, adding a transaction to at least one accumulator in the payment device, adding a transaction to at least one counter in the payment device, setting at least one accumulator in the payment device to a prescribed offline limit, and setting at least one counter in the payment device to a prescribed offline limit.

14. The method of claim 1, wherein the personalization parameters are stored in the payment device by the issuer host when the payment device receives a response from the issuer host.

15. The method of claim 1, wherein the personalization parameters are stored in the payment device by the issuer host during an initialization of the payment device.

16. The method of claim 1, further comprising modifying, by the issuer host, at least one personalization parameter stored in the payment device during a lifecycle of the payment device.

17. The method of claim 1, wherein the first set of status information has a first bit length corresponding thereto, and the second set of status information has a second bit length corresponding thereto, the first bit length being greater than or equal to the second bit length.

18. The method of claim 1, wherein the first set of status information has a first bit length corresponding thereto, and the second set of status information has a second bit length corresponding thereto, the second bit length being greater than or equal to the first bit length.

19. The method of claim 1, further comprising encoding information other than status information relating to the payment device into the second set of information for transmission to the issuer host.

20. An apparatus for facilitating communications between an electronic payment device and an issuer host, the apparatus comprising:

means for storing, in the payment device, a set of personalization parameters defined by an issuer host;

means for performing at least one of (i) transforming, as a function of the set of personalization parameters, a first set of status information indicative of available status information relating to the payment device into a second set of status information, the second set of status information comprising a subset of the first set of status information, and (ii) selecting, from a first set of actions indicative of available actions to be performed by the payment device, a second set of actions as a function of the set of personalization parameters and an order received from the issuer host for initiating at least one corresponding action in the payment device, the second set of actions being a subset of the first set of actions;

means for transmitting the second set of status information to the issuer host; and

means for initiating all actions in the second set of actions corresponding to the order received from the issuer host.

21. An electronic payment device, comprising:

memory operative to store status information and a set of personalization parameters defined by an issuer host relating to the payment device; and

at least one processor coupled to the memory, the at least one processor being operative;

(i) to transform, as a function of the set of personalization parameters, a first set of status information indicative of available status information relating to the payment device into a second set of status information, the second set of status information comprising a subset of the first set of status information;

(ii) to select, from a first set of actions indicative of available actions to be performed by the payment device, a second set of actions as a function of the set of personalization parameters and an order received from an issuer host for initiating at least one corresponding action in the payment device, the second set of actions being a subset of the first set of actions;

(iii) to transmit the second set of status information to the issuer host; and

(iv) to initiate all actions in the second set of actions corresponding to the order received from the issuer host.

22. The device of claim 21, wherein the set of personalization parameters comprises at least one of:

selected status information in the first set of status information that the issuer host is interested in receiving; and

one or more actions in the first set of actions that the issuer host is interested in being performed by the payment device in response to corresponding orders initiated by the issuer host.

23. The device of claim 21, wherein the at least one processor is further operative to generate a mapping including one or more tuples, each of the tuples corresponding to a given bit in the second set of status information, each tuple including a first element identifying a corresponding offset into the first set of status information and a second element identifying which bits of information in the first set of status information to consider in computing a value of a corresponding bit in the second set of status information.

24. The device of claim 23, wherein a value of a given bit in the second set of status information is computed by the at least one processor by:

retrieving a first value from an offset into the first set of status information identified by the first element of a selected tuple corresponding to the given bit in the second set of status information;

comparing the first value from the offset into the first set of status information and the second element of the selected tuple; and

for each set bit position in the second element of the selected tuple, setting the given bit in the second set of status information when at least one of the bits in the first value corresponding to set bit positions in the second element of the selected tuple is set.

25. The device of claim 23, wherein a value of a given bit in the second set of status information is computed by the at least one processor by:

retrieving a first value from an offset into the first set of status information identified by the first element of a selected tuple corresponding to the given bit in the second set of status information;

comparing the first value from the offset into the first set of status information and the second element of the selected tuple; and

for each set bit position in the second element of the selected tuple, setting the given bit in the second set of status information when all of the bits in the first value corresponding to set bit positions in the second element of the selected tuple are set.

26. The device of claim 21, wherein the at least one processor is further operative to generate a mapping including one or more orders associated with the issuer host and one or more selected actions in the first set of actions to be performed by the payment device, each given order in the mapping being assigned by the issuer host to at least a corresponding one of the selected actions in the mapping to be performed by the payment device in response to the given order.

27. An article of manufacture for facilitating communications between an electronic payment device and an issuer host, said article of manufacture comprising a machine readable medium containing one or more programs which when executed implement the steps of:

storing, in the payment device, a set of personalization parameters defined by the issuer host;

performing at least one of (i) transforming, as a function of the set of personalization parameters, a first set of status information indicative of available status information relating to the payment device into a second set of status information, the second set of status information comprising a subset of the first set of status information, and (ii) selecting, from a first set of actions indicative of available actions to be performed by the payment device, a second set of actions as a function of the set of personalization parameters and an order received from the issuer host for initiating at least one corresponding action in the payment device, the second set of actions being a subset of the first set of actions; and

the payment device performing at least one of (i) transmitting the second set of status information to the issuer host, and (ii) initiating all actions in the second set of actions corresponding to the order received from the issuer host.

28. A system comprising:

An electronic payment device comprising risk management resources, configured for performing a plurality of available actions on the risk management resources, and a parameterization structure including preselected actions representing specific actions among the plurality of available actions of interest, the preselected actions being a subset of the available actions;

a network, and

an issuer host configured to communicate with the electronic payment device via the network and generate issuer authentication data (IAhD) including an appropriate response code (ARPC response code), the ARPC response code including one or more orders mapped to one or more of the preselected actions, the parameterization structure being reconfigurable by the issuer host to generate a different mapping assignment such that orders from the issuer host are mapped to different preselected actions.

29. A method comprising:

defining a set of personalization parameters at an issuer host;

storing, in a memory in a payment device, the set of personalization parameters defined by the issuer host, and

translating, an internal set of verification results stored on the payment device and usable for risk management processing into an external set of verification results that the issuer host wishes to receive based on the set of personalization parameters defined by the issuer host, the external set of verification results being a subset of the internal set of verification results.

30. The method of claim 29, further comprising receiving by the issuer host from the payment device issuer application data (IAD) including the external set of verification results.

31. The method of claim 29, further comprising modifying, by the issuer host, at least one personalization parameter stored in the payment device during a lifecycle of the payment device.

32. In a system including an issuer host, a network, and an electronic payment device communicable with the issuer host via the network, a method comprising:

storing, in the electronic payment device, a set of personalization parameters defined by the issuer host;

selecting, from a first set of actions indicative of available actions to be performed by the electronic payment device on risk management resources, a second set of actions as a function of the personalization parameters and an order received from the issuer host for initiating at least one corresponding action in the electronic payment device, the second set of actions being a subset of the first set of actions, and

initiating all actions in the second set of actions corresponding to the order received from the issuer host.

33. The method of claim 32, wherein the step of storing the set of personalization parameters comprises generating a mapping including one or more orders associated with the issuer host and one or more selected actions in the first set of actions to be performed by the electronic payment device, each given order in the mapping being assigned by the issuer host to at least a corresponding one of the selected actions in the mapping to be performed by the electronic payment device in response to the given order.

34. The method of claim 33, wherein an authorization response cryptogram (ARPC) response code included in an authorization response sent by the issuer host to the electronic payment device comprises an order in the mapping.

35. The method of claim 33, wherein a given order in the mapping is assigned a plurality of corresponding selected actions to be performed by the electronic payment device in response thereto.

36. The method of claim 33, wherein the mapping comprises a table including a plurality of entries, each entry including at least one of the selected actions in the mapping, each of the orders in the mapping being used as an index to a corresponding entry in the table, the electronic payment device performing the at least one of the selected actions associated with an entry indexed by a corresponding one of the orders.

37. The method of claim 32, further comprising modifying, by the issuer host, at least one personalization parameter stored in the electronic payment device during a lifecycle of the electronic payment.