Methods, apparatus and articles for use in association with token

• US 8,812,402 B2
• Filed: 01/05/2009
• Issued: 08/19/2014
• Est. Priority Date: 01/05/2009
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Evans, Paul Michael, Tanner, Colin
• Primary Examiner(s): Zeender, Ryan
• Assistant Examiner(s): Wilder, Hunter
• Application Number:
  US12/348,726
• Publication Number:
  US 20100174612A1
• Time in Patent Office: 2,052 Days
• Field of Search: 705/18, 705/39, 705/66, 705/17, 235/280, 235/385
• US Class Current: 705/66
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• 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: G06Q 40/12 Accounting
• CPC Class Codes: G07F 17/42 for ticket printing or like apparatus , e.g. apparatus for dispensing of printed paper tickets or payment cards
• CPC Class Codes: G07F 7/0806 Details of the card record carriers per se G06K

Abstract

In some embodiments, a method comprises receiving a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and temporarily associating the token with the payment account in response at least in part to the request. In some embodiments, a method comprises issuing a token to a customer before the token is associated with a payment account; and arranging for the customer to have an ability to request that the token be associated with a payment account and usable as a payment token. In some embodiments, a method comprises receiving a mapping associating an identifier of a token with a payment account; receiving the identifier from a point of sale system; and determining the payment account based at least in part on the mapping and the identifier received from the point of sale system. In some embodiments, apparatus comprises: a processing system to: receive a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and temporarily associate the token with the payment account in response at least in part to the request. In some embodiments, apparatus comprises: a processing system to: receive a mapping associating an identifier of a token with a payment account; receive the identifier from a point of sale system; and determine the payment account based at least in part on the mapping and the identifier received from the point of sale system.

Claims

1. A method for operating a payment system to allow a first token and a second token associated with a venue to be used as payment devices to conduct payment transactions using the payment system, the method comprising:

receiving a request from a customer to associate a first token identifier and a second token identifier with a payment account, the first and second token identifiers uniquely identifying the first token and the second token, respectively and allowing holders thereof access to a venue, and wherein the first and the second tokens are not associated with the payment account prior to the request;

establishing, at the payment system, a temporary use period, the temporary use period defining a start date and time and an end date and time during which the first and the second tokens are enabled for use as a payment device;

transferring, by the payment system, a first predetermined amount of funds to the first token from the payment account for use during the temporary use period;

transferring, by the payment system, a second predetermined amount to the second token from the payment account for use during the temporary use period;

receiving information identifying first use criteria associated with the first token and second use criteria associated with the second token, the first and second use criteria to be applied by the payment system during a transaction authorization process involving either of the first token and the second token, the first use criteria different from the second use criteria and the second use criteria including (i) data indicative of goods and/or services that may be purchased using the second token, (ii) data indicative of an amount that can be spent using the second token, and (iii) data indicative of a restricted portion of the venue at which purchases may not be made using the second token;

activating the first token and second token for use as payment devices at point of sale devices in communication with the payment system such that the payment system applies the temporary use period, the predetermined amount of funds, and the first and second use criteria during the transaction authorization process when either of the first token and second token are presented at a point of sale device; and

automatically transferring, by the payment system to the payment account, any funds remaining on the first token and the second token after the end date and time.

2. The method of claim 1, wherein the receiving the request from the customer to associate the first token identifier and the second token identifier with the payment account comprises receiving a request directly from the customer to associate the first token identifier and the second token identifier with the payment account.

3. The method of claim 1, wherein the first token comprises a ticket to the venue;

and wherein the second token comprises a ticket to the venue.

4. The method of claim 1, further comprising:

reporting the association of the first token identifier and the association of the second token identifier on a statement for the payment account.

5. The method of claim 1, wherein the second use criteria further identifies:

a good that may not be purchased using the second token.

6. The method of claim 1, wherein the temporary use period is based at least in part on a date of an event at the venue.

7. The method of claim 1, further comprising:

receiving a request during the temporary use period to authorize a payment transaction utilizing at least one of the first token and the second token;

determining, by the payment system, that at least a portion of the first predetermined amount of funds or the second predetermined amount of funds is available and that the first use criteria and the second use criteria are being followed; and

authorizing the payment transaction.

8. The method of claim 7, further comprising reporting the payment transaction on a statement for the payment account.

9. The method of claim 7, further comprising sharing revenue from a charge to perform at least a portion of the payment transaction between at least two of the venue, a token issuer, and a financial institution.

10. An apparatus, comprising:

a processor;

a communication device operably connected to the processor; and

a storage device operably connected to the processor, the storage device storing non-transient instructions configured to cause the processor to;

receive a request from a customer to associate a first token identifier and a second token identifier with a payment account, the first and second token identifiers uniquely identifying a first token and a second token allowing holders thereof access to a venue, and wherein the first and the second tokens are not associated with the payment account prior to the request;

establish a temporary use period, the temporary use period defining a start date and time and an end date and time during which the first and the second tokens are enabled for use as a payment device;

transfer a first predetermined amount of funds to the first token from the payment account for use during the temporary use period;

transfer a second predetermined amount to the second token from the payment account for use during the temporary use period;

receive information identifying first use criteria associated with the first token and second use criteria associated with the second token identifier, the first and second use criteria to be applied by the payment system during a transaction authorization process involving either of the first token and the second token, the first use criteria different from the second use criteria and the second use criteria including (i) data indicative of goods and/or services that may be purchased using the second token, (ii) data indicative of an amount that can be spent using the second token, and (iii) data indicative of a restricted portion of the venue at which purchases may not be made using the second token;

activate the first token and second token for use as payment devices at point of sale devices in communication with the payment system such that the payment system applies the temporary use period, the predetermined amount of funds, and the first and second use criteria during the transaction authorization process when either of the first token and second token are presented at a point of sale device; and

automatically transfer to the payment account any funds remaining on the first token and the second token after the end date and time.