Processing transactions of different payment devices of the same issuer account

• US 8,973,818 B2
• Filed: 08/01/2012
• Issued: 03/10/2015
• Est. Priority Date: 01/30/2007
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Dixon, Phil, Hammad, Ayman A., El-Awady, Khalid
• Primary Examiner(s): KELLY, RAFFERTY D
• Application Number:
  US13/564,625
• Publication Number:
  US 20120296710A1
• Time in Patent Office: 951 Days
• Field of Search: 235/380, 235/492, 705/13, 705/17
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• 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 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• 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 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G07B 15/00 Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points handling coins or valuable papers, e.g. banknotes, G07D; apparatus for vending or hiring articles or services activated by coins, credit cards, paper currency or the like G07F7/00, G07F17/00

Abstract

Each portable payment device associated with a single account within a payment processing system is distinguished using track data. The track data from the portable payment device is read at each of a plurality of merchant point of sale terminals (POS). Rather than relying on the PAN alone, a merchant may utilizes the track data, or a proxy thereof, as the unique identifier for the portable payment device. The merchant may then process transactions involving the portable payment device based on the unique identifier. For example, in the transit environment the transit fare for each rider with different portable payment devices but the same account can be calculated using the unique identifier, such as the full track data read from both tracks of the corresponding portable payment devices.

Claims

1. At each of a plurality of point of sale terminals (POS) of a merchant, for each of a plurality of consumers each seeking to conduct a transaction with the merchant for a service at a cost by using a payment device issued by an issuer in a payment system, a method comprising:

reading, at the point of sale terminal of the merchant, data from a data storage region of the payment device that includes;

a Primary Account Number (PAN) comprising an identifier of the issuer and an identifier of a consumer account usable to conduct transactions with a plurality of merchants including the merchant; and

a payment device distinguishing code distinct from the PAN, assigned by the issuer and uniquely identifying the payment device with respect to the PAN among a plurality of payment devices that are associated with the PAN;

determining, at the point of sale terminal of the merchant, a Globally Unique Identifier (GUID) of the payment device based at least in part on both the PAN and the payment device distinguishing code read from the data storage region of the payment device;

determining a fee for the service based at least in part on the GUID, wherein a plurality of GUIDs are associated with a same PAN and the determined fee for the service is different for different GUIDs of the plurality of GUIDs associated with the same PAN; and

sending the GUID and the fee for processing by the payment system.

2. The method as defined in claim 1, wherein the data from the data storage region of the payment device conforms to a magnetic stripe data (MSD) configuration in a track one/track two format that includes a Primary Account Number (PAN) corresponding to said account and statically stored in the payment device.

3. The method as defined in claim 2, wherein the data from the data storage region of the payment device further comprises issuer discretionary data with:

an issuer discretionary track space in the data in the track one/track two format; and

data in one or more cardholder name locations of the data in the track one/track two format.

4. The method as defined in claim 1, further comprising determining, based at least in part on the GUID, whether the merchant is to permit the corresponding said transaction.

5. The method as defined in claim 4, wherein, for each said transaction with the merchant, the transaction occurs in less than one (1) second.

6. The method as defined in claim 1, wherein the payment device is within a mobile device selected from the group consisting of a personal digital assistant, a wireless telephone, and an expert system including a substrate having embedded therein a contactless element including a chip capable of use as a transaction payment mechanism for each said transaction.

7. A computer readable medium comprising instructions which, when executed by a computer, perform the method as defined in claim 1.

8. The method as defined in claim 1, further comprising indicating, at the point of sale terminal of the merchant, an approval status with respect to the service based at least in part on a verification of the PAN.

9. The method as defined in claim 8, wherein the PAN includes at least one check digit and the method further comprises, at the point of sale terminal of the merchant, verifying the PAN based at least in part on the at least one check digit.

10. The method as defined in claim 1, wherein the GUID is determined by data written to the data storage region of the payment device as specified by a payment system standard and independent of the merchant.

11. The method as defined in claim 1, wherein the GUID is unique independent of merchant.

12. The method as defined in claim 1, wherein the payment device distinguishing code uniquely identifies the payment device among the plurality of payment devices with respect to the PAN and not otherwise.

13. The method as defined in claim 1, wherein the identifier of the issuer comprises a number uniquely identifies the issuer among a plurality of issuers of payment devices.

14. The method as defined in claim 1, wherein the identifier of the consumer account comprises a number uniquely identifying the consumer account among a plurality of consumer accounts maintained by the issuer.

15. The method as defined in claim 1, wherein the identifier of the issuer comprises an Issuer Identification Number (IIN) in accordance with an ISO 7812 standard.

16. The method as defined in claim 15, wherein the Issuer Identification Number (IIN) comprises 6 numeric digits.

17. The method as defined in claim 16, wherein the PAN comprises no more than 19 numeric digits.

18. The method as defined in claim 1, wherein the PAN has a format in accordance with an ISO 7812 standard.

19. A method comprising:

receiving, for each of a plurality of transactions, transaction application data from a portable consumer device, wherein;

the transaction application data of each said portable consumer device has a predetermined data field configuration for use with a reader of a merchant;

the predetermined data field configuration of the transaction application data includes;

a Primary Account Number (PAN) comprising an identifier of an issuer of the portable consumer device and an identifier of a consumer account usable to conduct transactions with a plurality of merchants including the merchant; and

an issuer discretionary code distinct from the PAN, assigned by the issuer and uniquely identifying the portable consumer device with respect to the PAN among a plurality of portable consumer devices that are associated with the PAN;

determining a Globally Unique Identifier (GUID) of the portable consumer device based at least in part on both the PAN and the issuer discretionary code received from the portable consumer device;

determining a fee for a service based at least in part on the GUID, wherein a plurality of GUIDs are associated with a same PAN and the determined fee for the service is different for different GUIDs of the plurality of GUIDs associated with the same PAN; and

providing the GUID and the fee for processing by a payment system.

20. The method as defined in claim 19, wherein the portable consumer device comprises a contactless smart card device.

21. A computer readable medium comprising instructions which, when executed by a computer, perform the method as defined in claim 19.

22. The method as defined in claim 19, wherein:

the predetermined data field configuration of the access transaction application data conforms to a magnetic stripe data (MSD) configuration in a track one/track two format; and

information in the track one/track two format includes the PAN.

23. The method as defined in claim 22, wherein the access transaction application data further comprises issuer discretionary data that includes:

an issuer discretionary track space in the data in the track one/track two format; and

data in one or more cardholder name locations of the data in the track one/track two format.

24. The method as defined in claim 19, further comprising checking the GUID against a list of GUIDs to determine whether the merchant should permit the corresponding said transaction.

25. A method comprising:

reading, at a payment device reader of a merchant, data from a data storage region of a payment device issued by an issuer in a payment system, wherein;

the data conforms to a magnetic stripe data (MSD) configuration in a track one/track two format;

the data in the track one/track two format includes;

a Primary Account Number (PAN) comprising an identifier of the issuer and an identifier of a consumer account usable to conduct transactions with a plurality of merchants including the merchant; and

an issuer discretionary code distinct from the PAN and uniquely identifying the payment device with respect to the PAN among a plurality of payment devices that are associated with the PAN; and

determining, at the payment device reader, a Globally Unique Identifier (GUID) of the payment device based at least in part on both the PAN and the issuer discretionary code read from the data storage region of the payment device; and

providing the GUID as part of processing a transaction with the payment system,

wherein a plurality of GUIDs are associated with a same PAN and a determined fee for a service is different for different GUIDs of the plurality of GUIDs associated with the same PAN.

26. The method as defined in claim 25, further comprising determining the fee for the service based at least in part on the GUID and at least one of the group consisting of:

an entry into a facility of a merchant of the plurality of merchants;

a time of entry into the facility of the merchant;

an exit from the facility of the merchant;

a time of exit from the facility of the merchant;

a transfer from one said facility of the merchant to another said facility of the merchant;

a classification of a user corresponding to the payment device;

peak and off peak usage time periods;

a calendar holiday usage time period; and

a combination of the foregoing.

27. A computer readable medium comprising instructions which, when executed by a computer, perform the method as defined in claim 25.