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

  • US 8,949,152 B2
  • Filed: 12/21/2012
  • Issued: 02/03/2015
  • Est. Priority Date: 06/08/2009
  • Status: Active Grant
First Claim
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1. A method comprising:

  • obtaining a registration of a backup payment account for association with a pre-paid payment card contemporaneously with an initial top-up of the pre-paid payment card;

    reading the pre-paid payment card at a terminal during a contactless transaction, the pre-paid payment card being configured for use in an infrastructure comprising the terminal in accordance with a payment specification requiring a contactless procedure for normal transactions and an online contact procedure for top-up of the pre-paid payment card;

    determining at the terminal whether the pre-paid payment card includes an indicator written to an electronic memory thereon during a prior online contact transaction evidencing a link of the pre-paid payment card to the backup payment account;

    making an offline decision to allow the contactless transaction without immediate payment based at least in part on presence of the indicator;

    subsequent to the decision to allow the contactless transaction, determining whether funds are available to pay for the contactless transaction, andobtaining payment from at least one of;

         1) a central balance stored on a central server and associated with the pre-paid payment card and

         2) via a payment network, the backup payment account.

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