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Method, apparatus, and computer program product for topping up prepaid payment cards for offline use
US8949152B2 · US · B2
| Field | Value |
|---|---|
| Publication number | US-8949152-B2 |
| Application number | US-201213723506-A |
| Country | US |
| Kind code | B2 |
| Filing date | Dec 21, 2012 |
| Priority date | Jun 8, 2009 |
| Publication date | Feb 3, 2015 |
| Grant date | Feb 3, 2015 |
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- Title
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Abstract
Official abstract text for this publication.
A card holder carries out an initial top-up of a balance of a pre-paid payment card. The prepaid payment card is configured for use in an infrastructure in accordance with a payment specification requiring different behavior for normal transactions in the infrastructure versus that required for topping-up of the balance. Contemporaneously with the initial top-up, the card holder registers risk mitigation information in association with the pre-paid payment card. Subsequent to the initial top-up, an indicator is written to the pre-paid payment card during a transaction with the pre-paid payment card outside the infrastructure. The indicator identifies the pre-paid payment card as having the risk mitigation information associated therewith. During subsequent presentation of the pre-paid payment card to the infrastructure, the pre-paid payment card is treated as a token backed up by the risk mitigation information, based on presence of the indicator on the pre-paid payment card.
First claim
Opening claim text (preview).
What is claimed is: 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 tran…
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Physics · mapped topic
Physics · mapped topic
Physics · mapped topic
- G06Q20/349Primary
Physics · mapped topic
Physics · mapped topic
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Frequently asked questions
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- What does patent US8949152B2 cover?
- A card holder carries out an initial top-up of a balance of a pre-paid payment card. The prepaid payment card is configured for use in an infrastructure in accordance with a payment specification requiring different behavior for normal transactions in the infrastructure versus that required for topping-up of the balance. Contemporaneously with the initial top-up, the card holder registers risk …
- Who is the assignee on this patent?
- Mastercard International Inc
- What technology area does this patent fall under?
- Primary CPC classification G06Q20/349. Mapped technology areas include Physics.
- When was this patent published?
- Publication date Tue Feb 03 2015 00:00:00 GMT+0000 (Coordinated Universal Time) (B2). Legal status and post-grant events are not shown on this page.
- What related patents are in patentsdb?
- We list 8 related publications on this page (citations in our corpus or others sharing the same primary CPC).