| Patent application number | Description | Published |
|---|
| 20090210299 | Method and Apparatus for Simplifying the Handling of Complex Payment Transactions - A predetermined amount, which may, in general, be zero, less than, the same as, or greater than a (yet-to-be-determined) final transaction amount, is charged upon first presentation of a payment device to a merchant. A final transaction amount is calculated, preferably at a central server, subsequent to the first presentation. A variable adjustment value is calculated, preferably at the central server, by comparing the predetermined amount already charged with the final transaction amount. A new predetermined amount charged, upon a subsequent presentation of the payment device, is modified by the variable adjustment value. | 08-20-2009 |
| 20100312617 | METHOD, APPARATUS, AND COMPUTER PROGRAM PRODUCT FOR TOPPING UP PREPAID PAYMENT CARDS FOR OFFLINE USE - 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. | 12-09-2010 |
| 20110276420 | CASH CARD SYSTEM - A method includes entering transaction data into a point of sale (POS) terminal. The POS terminal is operable with a number of payment applications. An integrated circuit (IC) card is interfaced to the POS terminal. The IC card stores data objects that correspond to the payment applications in the POS terminal. The POS terminal retrieves the data objects from the IC card and selects a payment application to be used for the transaction based on the data objects indicated as present in the IC card and/or based on the information related to the transaction. | 11-10-2011 |
| 20130185211 | METHOD, APPARATUS, AND COMPUTER PROGRAM PRODUCT FOR TOPPING UP PREPAID PAYMENT CARDS FOR OFFLINE USE - 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. | 07-18-2013 |
| 20130212025 | MECHANISM TO ALLOW THE USE OF DISPOSABLE CARDS ON A SYSTEM DESIGNED TO ACCEPT CARDS CONFORMING TO THE STANDARDS OF THE GLOBAL PAYMENTS INDUSTRY - At a terminal assembly associated with a physical access point, payment device data is obtained from a reduced-functionality payment device, and the data is identified as emanating from such a device. In response, the payment device data emanating from the reduced-functionality payment device is converted into an authorization request or an access request, of a format consistent with full-functionality payment devices. The authorization request or access request is dispatched into a payment infrastructure which is configured to handle same, but is not configured to handle the reduced-functionality payment device. | 08-15-2013 |
| 20140279309 | TRANSACTION-HISTORY DRIVEN COUNTERFEIT FRAUD RISK MANAGEMENT SOLUTION - Transaction data is gathered for a plurality of successful payment device transactions in a first environment. The transaction data is filtered to identify successful payment device transactions associated with payment devices for which offline authentication is not supported, to obtain a whitelist. The whitelist is made available to at least one of (1) a merchant in a second, different environment, and (2) a third party acting on behalf of such a merchant. | 09-18-2014 |
| 20150095232 | TRANSACTION SYSTEMS AND ASSOCIATED METHODS FOR ENHANCED ACCOUNT BALANCE AND STATUS MANAGEMENT - A computer implemented method of performing a transaction using a payment account, typically handled by a payment account manager (PAM), comprises the steps of: receiving a first message from a top up terminal indicating that funds have been transferred to the payment account; setting or adjusting a funds limit of the payment account based on information in the first message; receiving an authorisation or pre-authorisation request from a first terminal and commencing a funds aggregation; receiving a second message indicating a pre-defined amount of funds which may be used in the transaction; blocking an amount of the funds limit of the payment account equivalent to the pre-defined amount; and sending an authorisation response to the first terminal. As a result, the PAM can send data to indicate that a card associated with the payment account is not fit for travel. In one aspect of the invention, a transit authority is able to write bypassing data to the card so as to bypass a deny list that would otherwise have blocked the card from being used for a transit journey. | 04-02-2015 |
| 20150124965 | Document With Verification Data - Disclosed herein is a method of generating a document comprising verification data, the method comprising: obtaining data for inclusion on a document, wherein the obtained data includes verification data; encrypting the verification data; generating a machine readable code comprising the encrypted verification data; and generating a document comprising both the obtained data in a non-encrypted form and the machine readable code. Advantageously, an entity that is required to verify the document can decrypt the machine readable code to obtain the verification data. The encrypted nature of the data within the machine readable code ensures that the data is secure and the verification reliable. | 05-07-2015 |
