Smart device personalization assistance tool

• US 8,856,063 B2
• Filed: 10/23/2013
• Issued: 10/07/2014
• Est. Priority Date: 04/21/2003
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Smith, Carl, Hill, Trudy
• Primary Examiner(s): Perveen, Rehana
• Assistant Examiner(s): BUI, THUY T
• Application Number:
  US14/061,680
• Publication Number:
  US 20140122526A1
• Time in Patent Office: 349 Days
• Field of Search: 707/600, 726/9, 726/26
• US Class Current: 707/600
• CPC Class Codes: G06F 16/2455 Query execution
• 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 20/355 Personalisation of cards for use
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A personalization of a batch of smart cards is provided. A user is provided with a plurality of queries regarding smart card features. Responses to the plurality of queries are received from the user. A personalization data file is generated using the responses to the plurality of queries, where the personalization data file comprises values, which may be used to provide features on a batch of smart cards.

Claims

1. A method comprising:

executing, by a computer, a personalization assistant software tool, said software tool including a default member profile having default values for smart device features, a smart device feature being a parameter representing a requirement of an issuer dictating smart device usage;

providing a user with a plurality of queries regarding said smart device features, said queries originating from said software tool;

receiving from the user, responses to said plurality of queries, said responses being received by said software tool;

matching each of said responses with an output data value, said matching being performed by said software tool, each of said output data values representing one of said smart device features and being suitable for personalizing a smart device;

modifying said default member profile to include said matched output data values, said output data values replacing corresponding said default values for the smart device features; and

generating a personalization data file from said modified default member profile, wherein said personalization data file is suitable for personalizing smart devices and provides said smart device features on each of the smart devices by way of said output data values.

2. The method, as recited in claim 1, further comprising:

using individual cardholder input files and the personalization data file to personalize said smart devices to yield a plurality of personalized smart devices.

3. The method, as recited in claim 1, wherein said matching includes:

providing a look up table with entries for various combinations of responses to the plurality of queries;

finding a matching entry in the look up table that matches the responses to the plurality of queries;

locating one of said output data values associated with the matching entry; and

outputting the one of said output data values associated with the matching entry.

4. The method, as recited in claim 1, wherein the plurality of queries, comprise:

at least one query regarding smart device account usage control;

at least one query regarding smart device account risk management; and

at least one query regarding offline limits and thresholds.

5. The method, as recited in claim 4, wherein responses to the plurality of queries are used to provide best practices recommendations.

6. The method, as recited in claim 1, further comprising:

providing regional profiles and subregional profiles, wherein a subregion is within a region, wherein the regional and subregional profiles have mandatory and

recommended settings, wherein some of the subregional profiles are more stringent than regional profiles in which the subregions belong.

7. The method, as recited in claim 1 wherein the issuer is a credit card issuer.

8. The method of claim 1 wherein providing, receiving, matching, modifying and generating are performed by the computer.

9. The method of claim 1 wherein the computer is a host computer.

10. A host computer comprising:

a processor; and

a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor, for implementing a method comprising

executing a personalization assistant software tool, said software tool including a default member profile having default values for smart device features, a smart device feature being a parameter representing a requirement of an issuer dictating smart device usage,

providing a user with a plurality of queries regarding said smart device features, said queries originating from said software tool,

receiving from the user, responses to said plurality of queries, said responses being received by said software tool,

matching each of said responses with an output data value, said matching being performed by said software tool, each of said output data values representing one of said smart device features and being suitable for personalizing a smart device,

modifying said default member profile to include said matched output data values, said output data values replacing corresponding said default values for the smart device features, and

generating a personalization data file from said modified default member profile, wherein said personalization data file is suitable for personalizing smart devices and provides said smart device features on each of the smart devices by way of said output data values.

11. The host computer of claim 10, wherein the method further comprises:

using individual cardholder input files and the personalization data file to personalize said smart devices to yield a plurality of personalized smart devices.

12. The host computer of claim 10, wherein matching comprises:

providing a look up table with entries for various combinations of responses to the plurality of queries;

finding a matching entry in the look up table that matches the responses to the plurality of queries;

locating one of said output data values associated with the matching entry; and

outputting the one of said output data values associated with the matching entry.

13. The host computer of claim 10, wherein the plurality of queries, comprise:

at least one query regarding smart device account usage control;

at least one query regarding smart device account risk management; and

at least one query regarding offline limits and thresholds.

14. The host computer of claim 13, wherein responses to the plurality of queries are used to provide best practices recommendations.

15. The host computer of claim 10, wherein the method further comprises:

providing regional profiles and subregional profiles, wherein a subregion is within a region, wherein the regional and subregional profiles have mandatory and

recommended settings, wherein some of the subregional profiles are more stringent than regional profiles in which the subregions belong.

16. A system comprising:

a host computer comprising

a processor and

a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor, for implementing a method comprising

executing a personalization assistant software tool, said software tool including a default member profile having default values for smart device features, a smart device feature being a parameter representing a requirement of an issuer dictating smart device usage,

providing a user with a plurality of queries regarding said smart device features, said queries originating from said software tool,

receiving from the user, responses to said plurality of queries, said responses being received by said software tool,

matching each of said responses with an output data value, said matching being performed by said software tool, each of said output data values representing one of said smart device features and being suitable for personalizing a smart device,

modifying said default member profile to include said matched output data values, said output data values replacing corresponding said default values for the smart device features, and

generating a personalization data file from said modified default member profile, wherein said personalization data file is suitable for personalizing smart devices and provides said smart device features on each of the smart devices by way of said output data values; and

a local system comprising a browser in communication with the host computer.

17. The system of claim 16 wherein the local system communicates with the host computer via the Internet.

18. The system of claim 16 further comprising a preparation processing device coupled to the host computer.

19. The system of claim 18 further comprising a personalization device coupled to the preparation processing device.

20. The system of claim 16 further comprising a personalization validation tool coupled to the host computer.