Processing transactions of different payment devices of the same issuer account

• US 9,256,875 B2
• Filed: 01/30/2015
• Issued: 02/09/2016
• 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:
  US14/611,061
• Publication Number:
  US 20150154602A1
• Time in Patent Office: 375 Days
• Field of Search: 235/380, 235/492
• US Class Current: 1/1
• 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. A system for processing transactions, comprising:

at least one computer processor; and

at least one computer-readable medium storing computer-executable instructions that, when executed with the at least one computer processor, cause the system to, at least;

receive data read from a data storage region of a payment device that includes (i) 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 and (ii) a payment device distinguishing code distinct from the PAN uniquely identifying the payment device with respect to the PAN among a plurality of payment devices that are associated with the PAN;

determine 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; and

make a determination with respect to fraud based at least in part on the GUID, wherein a plurality of GUIDs are associated with a same PAN and the determination with respect to fraud is different for different GUIDs of the plurality of GUIDs associated with the same PAN.

2. A system in accordance with claim 1, wherein the payment device distinguishing code comprises an identifier associated with a mobile device.

3. A system in accordance with claim 1, wherein the data read from the data storage region of the payment device is received at a point of sale terminal.

4. A system in accordance with claim 3, wherein the globally unique identifier of the payment device is determined at a computer system that is distinct from the point of sale terminal.

5. A system in accordance with claim 3, wherein the determination with respect to fraud occurs at a computer system that is distinct from the point of sale terminal.

6. A system in accordance with claim 3, wherein the globally unique identifier of the payment device is determined at the point of sale terminal.

7. A system in accordance with claim 1, wherein the determination with respect to fraud is further based at least in part on at least one of a positive list or a negative list of GUIDs.

8. One or more computer-readable media storing computer-executable instructions that when executed by one or more computers cause the one or more computers to, at least:

receive data read from a data storage region of a 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; and

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

determine 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; and

make a determination with respect to fraud based at least in part on the GUID, wherein a plurality of GUIDs are associated with a same PAN and the determination with respect to fraud is different for different GUIDs of the plurality of GUIDs associated with the same PAN.

9. One or more computer-readable media in accordance with claim 8, wherein the payment device is within a mobile device selected from the group consisting of a personal digital assistant, a wireless telephone, a contactless smart card device and an expert system including a substrate having embedded therein a contactless element including a chip capable of facilitating the transactions with the plurality of merchants.

10. One or more computer-readable media in accordance with claim 8, wherein the one or more computers are further caused to indicate a transaction approval status to a user of the payment device.

11. One or more computer-readable media in accordance with claim 10, wherein the transaction approval status is presented to the user by the point of sale terminal.

12. One or more computer-readable media in accordance with claim 8, wherein the determination of the GUID is in accordance with a payment system standard and is independent of a merchant participating in a transaction.

13. One or more computer-readable media in accordance with claim 8, wherein the globally unique identifier is unique independent of each of the plurality of merchants.

14. One or more computer-readable media in accordance with claim 8, wherein the identifier of the issuer comprises an identifier that uniquely identifies the issuer among a plurality of issuers of payment devices.

15. A method for processing transactions, comprising:

receiving data read from a data storage region of a 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; and

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

determining 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; and

making a determination with respect to fraud based at least in part on the GUID, wherein a plurality of GUIDs are associated with a same PAN and the determination with respect to fraud is different for different GUIDs of the plurality of GUIDs associated with the same PAN.

16. A method in accordance with claim 15, wherein the identifier of the consumer account comprises an identifier that uniquely identifying the consumer account among a plurality of consumer accounts maintained by the issuer.

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

18. A method in accordance with claim 17, wherein the Issuer Identification Number (IIN) comprises 6 numeric digits.

19. A method in accordance with claim 18, wherein the PAN comprises no more than 19 numeric digits.

20. A method in accordance with claim 15, wherein the PAN has a format in accordance with an ISO 7812 standard.