Patent application number | Description | Published |
20130054340 | METHODS AND SYSTEMS FOR DISPLAYING LOYALTY PROGRAM INFORMATION ON A PAYMENT CARD - A method for displaying loyalty program information on a payment card using a computer coupled to a database is described. The payment card includes a processing device coupled to a display screen. The method includes receiving, at the computer, a loyalty program request message that includes payment card identification data. The payment card identification data is associated with the payment card. The method also includes determining that the payment card is registered in a loyalty program based on the payment card identification data and cardholder account data stored in the database. The method also includes electronically generating a loyalty program response message that includes loyalty program update data. The method further includes transmitting the loyalty program update data from the computer to the payment card for displaying as loyalty program information on the display screen. | 02-28-2013 |
20130091057 | METHODS AND SYSTEMS FOR PROVIDING ENHANCED DATA FOR CO-BRAND PAYMENT CARD TRANSACTIONS - A computer-based method for processing a payment transaction using an enhanced payment card is provided. The transaction is processed using a computer device coupled to a storage device. The enhanced payment card is issued to a cardholder by an issuer. The method includes receiving an authorization request message associated with a merchant. The authorization request message includes a card identifier and relating to a transaction initiated by the cardholder with the merchant using the enhanced payment card. The method includes transmitting an authorization response message to the merchant. The authorization response message is generated by the issuer and including an instructing message. The merchant is instructed, via the instructing message, to transmit to the computer device an addendum file including enhanced transaction data for the transaction. | 04-11-2013 |
20130124349 | METHODS, SYSTEMS, AND COMPUTER READABLE MEDIA FOR PROVISIONING AND UTILIZING AN AGGREGATED SOFT CARD ON A MOBILE DEVICE - Methods, systems, and computer readable media for utilizing and provisioning an aggregated soft card are disclosed. In one embodiment, the method includes receiving a request for an aggregated soft card from a mobile device, wherein the aggregated soft card includes a primary component soft card and at least one secondary component soft card. The method also includes requesting component soft card data associated with each of the primary component soft card and the at least one secondary component soft card from a plurality of issuing system servers. The method further includes generating aggregated soft card data by establishing a link among the component soft card data received from the plurality of issuing system servers and sending the aggregated soft card data to the mobile device. | 05-16-2013 |
20130163600 | SYSTEMS AND METHODS FOR A NETWORK-TO-NETWORK INTERFACE - A method and system for processing raw address data using a computer device coupled to a database are provided. The method includes receiving, at the network interface device, a first network message containing financial transaction data from a first one of a plurality of multiprotocol label switching networks, determining a destination of the financial transaction data from the network message, transmitting the financial transaction data to a second one of the plurality of multiprotocol label switching networks using a second network containing the financial transaction data, where at least one of the first one and the second one of the plurality of multiprotocol label switching networks is a satellite-based network. | 06-27-2013 |
20130166440 | SYSTEMS AND METHODS FOR EXTENDING AN EXISTING NETWORK - A computer-implemented method for extending a payment network via a rapidly deployable telecommunications (RDT) network is provided. The method is implemented using a computer device coupled to a memory device. The method includes pre-assembling a network kit including a plurality of networking components for deploying at least a portion of an RDT network, determining a storage location for the network kit, determining a stock count of network kits, storing a number of network kits in the storage location equal to the stock count, and processing a request for one of the network kits stored within the storage location. | 06-27-2013 |
20130179336 | FINANCIAL CARD METHOD, DEVICE AND SYSTEM UTILIZING BAR CODES TO IDENTIFY TRANSACTION DETAILS - An electronic financial transaction arrangement using a payer device to read a machine-readable pay code in which transaction details for a specific transaction may be encoded by a pay code provider is disclosed. The machine-readable pay code may be distributed to the payer device through acoustic stimuli, or as a result of voice or human based gesture actions. A user of the payer device may also participate in the financial transaction through the indirect control of a display by reading a unique machine-readable code unique to the display. Additional transaction details for the specific transaction may be received in the payer device through near field communication, or accessed at a later time when there is established connectivity to a mobile network. | 07-11-2013 |
20130179340 | E-WALLET WITH CROSS-BORDER CAPABILITY - Local shipping addresses in a first country are assigned to a plurality of consumers having physical addresses in at least one country other than the first country. A request is obtained, from an e-commerce retailer, for a corresponding one of the local shipping addresses. Product information, an indication of a desired form of shipping from the e-commerce retailer to the corresponding one of the local shipping addresses, and an indication of a desired form of shipping from the corresponding one of the local shipping addresses to a corresponding one of the physical addresses in the at least one country other than the first country are obtained. An indication of an estimated fully landed cost associated with the on-line shopping session is dispatched. | 07-11-2013 |
20130185125 | SYSTEMS AND METHODS FOR MANAGING OVERAGES IN DAILY DEALS - Methods and apparatus are disclosed for using a financial transaction card number system of a payment processing network as part of an overage management system. In an embodiment, a method receives an intelligent transaction card number used with a redemption code to purchase products or services contained in an offer, wherein the intelligent transaction card number indicates a total amount of a transaction and the total includes a value of the redeemed offer and an overage spent by the consumer in addition to the value of the redeemed offer. The method conducts post-clearing adjustments based on terms of the redeemed offer and generates instructions for corresponding credits or debits of funds. The method then receives instructions to: transfer funds from a first purse for the value of the redeemed offer and authorizes, clearing and settling the transferred funds; and to transfer funds from a second purse for the overage. | 07-18-2013 |
20130191227 | SYSTEM AND METHOD TO ENABLE A NETWORK OF DIGITAL WALLETS - A method for authorizing a digital wallet transaction initiated by a consumer from a merchant web site or app includes providing an acceptance mark on a merchant landing page associated with the merchant web site or app for initiating the digital wallet transaction, the acceptance mark comprising a link to a host server accessing an acceptance network for authorizing payment, the acceptance network comprising a plurality of digital wallets. A wallet selector switch allows selection of a wallet, the transaction is routed to the selected wallet, a payment card and shipping address are selected and the transaction is redirected back to the merchant with purchase details for authorizing and completing the digital wallet transaction. The wallets can include federated and non-federated cobranded wallets and partner-hosted wallets. Direct provisioning with partner credentials and automatic update of consumer details is provided in a federated cobranded wallet. | 07-25-2013 |