Return payment card process

• US 8,521,623 B2
• Filed: 01/20/2010
• Issued: 08/27/2013
• Est. Priority Date: 08/26/2009
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Vasten, Brett
• Primary Examiner(s): Zeender, Ryan
• Assistant Examiner(s): Mahone, Kristie A
• Application Number:
  US12/690,254
• Publication Number:
  US 20110055057A1
• Time in Patent Office: 1,315 Days
• Field of Search: 705/28, 705/30
• US Class Current: 705/30
• CPC Class Codes: G06Q 10/0837 Return transactions
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

A payment card returned as undeliverable is processed with a card administration system that responds to the return of the payment card by setting a “returned” indicator in a data record of a cardholder to whom the payment card was intended for delivery, and otherwise maintains the cardholder'"'"'s account without change. A card handling system initiates destruction of the returned payment card and provides a replacement payment card to the cardholder if updated profile information of the cardholder is received within a predetermined time period, and closes the cardholder account and returns any funds in the cardholder account if no updated profile information of the cardholder is received within the predetermined time period.

Claims

1. A computer method comprising:

receiving a card number, at a computer of a card administration system, for a returned payment card associated with a cardholder account of a cardholder, the cardholder account having a current payment card;

determining, by the computer, that the card number of the returned payment card is associated with an upgrade card or a replacement card in a card database of the card administration system for use in connection with the cardholder account;

setting, by the computer, a “

returned”

indicator of a data record for the returned payment card in the card database of the card administration system and initiating physical destruction of the returned payment card in response to the card administration system receiving the card number for the returned payment card without delay, and maintaining a status of the current payment card in the card database without change;

subsequent to initiating physical destruction of the returned payment card, determining, by the computer, whether updated profile information of the cardholder is received within a predetermined time period;

when the updated profile information of the cardholder is determined to be received at the computer of the card administration system within the predetermined time period;

updating a profile of the cardholder with the updated profile information;

generating, by the computer, data for producing a return-replacement payment card associated with the cardholder account; and

causing the return-replacement payment card to be sent to a location based on the updated profile information; and

when no updated profile information of the cardholder is determined to be received at the computer of the card administration system within the predetermined time period;

closing the cardholder account;

updating the data record for the returned payment card in the card database of the card administration system to indicate a closed status; and

returning any funds in the cardholder account.

2. The computer method as in claim 1, further including:

sending a notification message to a cardholder address for the cardholder account as to the returned status of the returned payment card.

3. The computer method as in claim 1, further including:

sending a notification message to a purchaser address for a purchaser of the returned payment card as to the returned status of the returned payment card.

4. The computer method as in claim 1, wherein the generated data for producing the return-replacement card includes a card number for the return-replacement card that is different from the card number of the returned payment card.

5. The computer method as in claim 4, further including updating an account database of the card administration system to reflect the card number for the return-replacement card as having been sent and to reflect the destroyed status of the returned payment card.

6. The computer method as in claim 1, further including determining that the cardholder account indicates that the cardholder account is associated with both an upgrade card having a status of “

returned” and

a replacement card having a status of “

returned”

, wherein generating data for producing a return-replacement payment card comprises generating data for producing a return-replacement payment card only for the upgrade card and not for the replacement card.

7. The computer method of claim 1, further comprising:

determining whether the returned payment card is an upgraded card or a replacement card, wherein the generated data for producing the return-replacement payment card includes a new card number when the returned payment card is determined to be a replacement card.

8. The computer method of claim 1, wherein initiating physical destruction of the returned payment card without delay includes processing the returned payment card for destruction without performing a determination as to whether to destruct the returned payment card.

9. A system comprising:

one or more processors; and

a memory coupled to the one or more processors, the memory encoded with instructions configured to cause the one or more processors to perform operations including;

receiving a card number for a returned payment card associated with a cardholder account of a cardholder, the cardholder account having a current payment card;

determining that the card number of the returned payment card is associated with an upgrade card or a replacement card in a card database of the card administration system for use in connection with the cardholder account;

setting a “

returned”

indicator of a data record for the returned payment card in the card database of the card administration system and initiating physical destruction of the returned payment card in response to the card administration system receiving the card number for the returned payment card without delay, and maintaining a status of the current payment card in the card database without change;

subsequent to initiating physical destruction of the returned payment card, determining whether updated profile information of the cardholder is received within a predetermined time period;

when the updated profile information of the cardholder is determined to be received at the computer of the card administration system within the predetermined time period;

updating a profile of the cardholder with the updated profile information;

generating data for producing a return-replacement payment card associated with the cardholder account; and

causing the return-replacement payment card to be sent to a location based on the updated profile information; and

when no updated profile information of the cardholder is determined to be received at the computer of the card administration system within the predetermined time period;

closing the cardholder account;

updating the data record for the returned payment card in the card database of the card administration system to indicate a closed status; and

returning any funds in the cardholder account.

10. The system of claim 9, further comprising instructions configured to cause the one or more processors to perform operations including:

sending a notification message to a cardholder address for the cardholder account as to the returned status of the returned payment card.

11. The system of claim 9, further comprising instructions configured to cause the one or more processors to perform operations including:

sending a notification message to a purchaser address for a purchaser of the returned payment card as to the returned status of the returned payment card.

12. The system of claim 9, wherein the generated data for producing the return-replacement card includes a card number for the return-replacement card that is different from the card number of the returned payment card.

13. The system of claim 9, further comprising instructions configured to cause the one or more processors to perform operations including:

updating an account database of the card administration system to reflect the card number for the return-replacement card as having been sent and to reflect the destroyed status of the returned payment card.

14. The system of claim 9, wherein generating data for producing a return-replacement payment card comprises generating data for producing a return-replacement payment card only for the upgrade card and not for the replacement card.

15. A non-transitory computer readable storage medium encoded with program instructions that, when executed, cause one or more processors in an electronic device to execute a method comprising:

receiving a card number for a returned payment card associated with a cardholder account of a cardholder, the cardholder account having a current payment card;

determining that the card number of the returned payment card is associated with an upgrade card or a replacement card in a card database of the card administration system for use in connection with the cardholder account;

setting a “

returned”

indicator of a data record for the returned payment card in the card database of the card administration system and initiating physical destruction of the returned payment card in response to the card administration system receiving the card number for the returned payment card without delay, and maintaining a status of the current payment card in the card database without change;

subsequent to initiating physical destruction of the returned payment card, determining whether updated profile information of the cardholder is received within a predetermined time period;

when the updated profile information of the cardholder is determined to be received at the computer of the card administration system within the predetermined time period;

updating a profile of the cardholder with the updated profile information;

generating data for producing a return-replacement payment card associated with the cardholder account; and

causing the return-replacement payment card to be sent to a location based on the updated profile information; and

when no updated profile information of the cardholder is determined to be received at the computer of the card administration system within the predetermined time period;

closing the cardholder account;

updating the data record for the returned payment card in the card database of the card administration system to indicate a closed status; and

returning any funds in the cardholder account.

16. The computer readable storage medium of claim 15, wherein the method further comprises:

sending a notification message to a cardholder address for the cardholder account as to the returned status of the returned payment card.

17. The computer readable storage medium of claim 15, wherein the method further comprises:

sending a notification message to a purchaser address for a purchaser of the returned payment card as to the returned status of the returned payment card.

18. The computer readable storage medium of claim 15, wherein the generated data for producing the return-replacement card includes a card number for the return-replacement card that is different from the card number of the returned payment card.

19. The computer readable storage medium of claim 15, wherein generating data for producing a return-replacement payment card comprises generating data for producing a return-replacement payment card only for the upgrade card and not for the replacement card.

20. The computer readable storage medium of claim 15, wherein generating data for producing a return-replacement payment card comprises generating data for producing a return-replacement payment card only for the upgrade card and not for the replacement card.