Form factor identification

• US 8,010,428 B2
• Filed: 09/26/2007
• Issued: 08/30/2011
• Est. Priority Date: 09/26/2007
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Hammad, Ayman, Maw, Brian
• Primary Examiner(s): Apple; Kirsten S
• Assistant Examiner(s): Basit; Abdul
• Application Number:
  US11/904,471
• Publication Number:
  US 20090083159A1
• Time in Patent Office: 1,434 Days
• Field of Search: 705/41, 705/35
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• 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 20/229 Hierarchy of users of accounts
• 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 20/40 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: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07G 1/14 Systems including one or more distant stations co-operating with a central processing unit data transmission in general H04L; telemetry systems for selectively calling a substation from a main station H04Q9/00

Abstract

A payment device, method, and apparatus configured to determine the form factor of the payment device used in a financial transaction, without requiring a different primary account number for each payment device form factor.

Claims

1. A method of identifying a form factor of a payment device during a financial transaction, comprising:

receiving transaction data from the payment device at a card transceiver/scanner, the transaction data including a form factor indicator value enclosed on the payment device within track 2 equivalent data wherein the form factor indicator value distinguishes among different physical forms of the payment device;

parsing the form factor indicator value from the transaction data, wherein the parsing is performed by a form factor identifier coupled to the card transceiver/scanner; and

either transmitting the form factor indicator value to a payment processor or storing the form factor indicator value in a form factor log database, wherein the transmitter or storing is performed by a data processor,

wherein the transaction data is used in an authorization request message for the financial transaction, the authorization request message requesting approval of the financial transaction.

2. The method of claim 1, further comprising:

determining whether the payment device is a contactless payment device.

3. The method of claim 2, further comprising:

validating card validation values (CVV) or dynamic card validation values (DCVV) associated with the payment device.

4. The method of claim 3, further comprising:

denying the financial transaction when the CVV or DCVV are not validated.

5. A point-of-sale apparatus, comprising:

a card transceiver/scanner configured to receive transaction data from a payment device in a financial transaction, the transaction data including a form factor indicator value encoded on the payment device within track 2 equivalent data, wherein the form factor indicator value distinguishes among different physical forms of the payment device;

a form factor identifier, coupled to the card transceiver/scanner, configured to parse the form factor indicator value from the transaction data;

a data processor configured to either transmit the form factor indicator value to a payment processor via network interface or to store the form factor indicator value in a form factor log database,

wherein the transaction data is used in an authorization request message for the financial transaction, the authorization request message requesting approval of the financial transaction.

6. The point-of-sale apparatus of claim 5, further comprising:

a transaction validator, coupled to the card transceiver/scanner, configured to determine whether the payment device is a contactless payment device.

7. The point-of-sale apparatus of claim 6, wherein the transaction validator is further configured to validate card validation values (CVV) or dynamic card validation values (DCVV) associated with the payment device.

8. The point-of-sale apparatus of claim 7, wherein the transaction validator is further configured to deny the financial transaction when the CVV or DCVV are not validated.

9. A payment device comprising:

a body; and

a memory comprising a computer readable medium disposed on or within the body, the computer readable medium comprising code for transaction data including a primary account number, an expiration date, and a device indicator value configured to indicate a form factor of the payment device, the device indicator value being encoded within track 2 equivalent data,

wherein the device indicator value distinguishes among different physical forms of the payment device, and

wherein the transaction data is used in an authorization request message for a transaction associated with the payment device, the authorization request message requesting approval of the transaction.

10. The payment device of claim 9, wherein the payment device is a full-size contactless card, the device indicator value indicating that the payment device is a full-size contactless card.

11. The payment device of claim 9, wherein the payment device is a mobile device, the device indicator value indicating that the payment device is a mobile device.

12. The payment device of claim 9, wherein the primary account number and the expiration date are encoded within the track 2 equivalent data.

13. The payment device of claim 12, wherein the device indicator value indicates that the payment device is a full-size non-contactless card.

14. The payment device of claim 12, wherein the device indicator value indicates that the payment device is a full-size contactless card.

15. The payment device of claim 12, wherein the device indicator value indicates that the payment device is a mini non-contactless card.

16. The payment device of claim 12 wherein the device indicator value indicates that the payment device is a mini contactless card.

17. The payment device of claim 12, wherein the device indicator value indicates that the payment device is a micro tag.

18. The payment device of claim 12, wherein the device indicator value indicates that the payment device is a mobile device.

19. The payment device of claim 12, wherein the device indicator value indicates that the payment device represents an alternate card user.