MX2008007212A - Method and system for loading and reloading portable consumer devices - Google Patents

Method and system for loading and reloading portable consumer devices

Info

Publication number
MX2008007212A
MX2008007212A MXMX/A/2008/007212A MX2008007212A MX2008007212A MX 2008007212 A MX2008007212 A MX 2008007212A MX 2008007212 A MX2008007212 A MX 2008007212A MX 2008007212 A MX2008007212 A MX 2008007212A
Authority
MX
Mexico
Prior art keywords
point
request
authorization
transaction
payment
Prior art date
Application number
MXMX/A/2008/007212A
Other languages
Spanish (es)
Inventor
Nizam Antoo
Chris Britt
Original Assignee
Visa Usa Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Visa Usa Inc filed Critical Visa Usa Inc
Publication of MX2008007212A publication Critical patent/MX2008007212A/en

Links

Abstract

A method is disclosed. The method includes providing tender at a point of service terminal (24) operated by a load agent (20), the poi of service terminal (24) being in operative communication with a payment processing network (40). The point of service terminal (24) therafter sends a transaction authorization request to an issuer (42) of a portable consumer device (14) to be used by a user (10). The issuer (42) then authorizes or does not authorize the transaction authorization request. If the transaction authorization request is approved, the portable consumer device (14) is either initially loaded or reloaded with an amount associated with the tender provided the point of service terminal (24).

Description

METHOD AND SYSTEM FOR LOADING AND RECHARGING PORTABLE DEVICES BACKGROUND OF THE INVENTION Propagation have obtained the acceptance and the common market and 1 can be considered a growth of these cards lumens transaction has been accelerated by i rn i in The new participants use the system to avoid the increased number of non-standard implementations of such systems by several new parties. Participants have limited use of large freight and seizure of such prepaid card products. A commonly used prepaid card is the Sta rbucks card. The card can be charged or recharged with but only in warehouses. The prepaid card can not be used in other stores such as warehouses. diversity For some concerns expressed about possible fraudulent use and possible laundering of Since the As long as they are not difficult in their own money, a propagated type of card can be used by the owner. The real owner can not recover the value of the end perc with respect to the type of propagated t can go with another i like t McDonald or the prepaid card with prepaid cards of this type can only be used by companies that the type of conventional prepaid card can be used with different merchants and is bought initially in a money is paid to the clerk store and the consumer takes the card to To charge the consumer calls a phone number to load the card and to link the transaction to the load The money is transferred a few days later to the issuer of the card and the card is There is also a diversity of deficiencies associated with this type of. First, the process of clearance and settlement takes a considerable amount of time. the process of t and settlement r 2 v that is I I I I I I I I I I I t I just to activate The third merchant pair that wants to participate in the separate data one needs to be established between the merchant and the system This is annoying and costly and limited use in the Herí to desirable methods and systems that portable consumer devices prepaid as cards The methods and system would increase the number of acquirers and consumers The methods and systems would also preferably use a payment processing network that uses methods and rules Methods and systems can also allow a prepaid card owner to potentially regain the value associated with a lost card and allow for the monitoring of card transactions The embodiments of the invention address the above and other problems individually and BRIEF DESCRIPTION OF THE INVENTION The embodiments of the invention are concerned with methods and systems that allow the initial charge recharge of go portable ttarieta el ed erniente with a tvdo that provide some payment in a point of service that is put into operation by a The terminal point service is in a network of p of Lorie the service point terminal then this sends a transaction authorization request to a sender of a consumer device to be used by a user and where the issuer after this authorizes or does not authorize the request to receive at the point of service terminal an indication that the transaction authorization request has been approved or not approved and if the request for transaction authorization has been the portable consumer device is either initially loaded or recharged by an amount associated with the offer of payment provided in the point terminal of another embodiment of the invention is concerned with a method that send a request n transaction authorization to a sender of a device of the portable consumer to be used by a user of a point of service terminal that is put into operation by an i i charging agent? ra pace where the i of oin that of iiy in na J de ti goes with a network of p is to receive in the terminal point of an indication that the authorization has approved or not approved and if the request for a transaction has whether the device il is either co-recharged with an amount associated with the payment offer provided at the point terminal of another method of the invention is concerned with a method that receives a request for associated transaction authorization with a portable consumer device to be used by a user from a point of service terminal that is put into operation by a charging agent after receiving the offer of payment from where a transmitter of the portable consumer device after this authorizes or does not authorize the request for transaction authorization and where the point of service terminal is in operational communication with a payment processing network and send a message of resumption This transaction is at the end of the point where the transaction response message indicates whether the transaction authorization request is approved or is not fashionable 1 i I n a is with a wave of associated with an i in a document or oi load the consumer's item with an amount associated with the paco da using a processing network of the payment network is in communication with an issuer spos i vo of the consumer ia of the invention is concerned with a system that a consumer of a point of the portable consumer device is adapted to interconnect with the point terminal of a payment processing network in with that of point of service terminals and a resident server computer in or in communication with the processing network where the server computer is configured to charge or recharge the portable consumer device for an amount associated with a paging offer. or presented by a user of the consumer's device after responding to a request for authorization to load or recharge the consumer's device. Another mode of the embodiment of the invention is concerned with a method of receiving quantities associated with aggregate payment offers associated with the load ii I? 1 with several do and the process of ento via the dit are sent to the Ldslas and other embodiments of the invention are described in further detail later in the BRIEF DESCRIPTION OF THE FIGURES Figure 1 is a block diagram of a system According to an embodiment of the Figure 2 shows a flow chart illustrating some stages in the initial charging process according to an embodiment of the Figure 3 shows a flow chart illustrating some stages in a process of recharging According to an embodiment of the DETAILED DESCRIPTION OF THE INVENTION Modalities of the invention allow issuers of prepaid card programs to load recharge value in a portable consumer device in various merchant locations and an existing broad based payment processing system may to be used to efficiently authorize and settle such transactions of a process of communication with several companies. Can they or their consumer devices be tainted at merchant locations and can they process credit or debit cards as a point of order for the larger ones? today's repayment of the most sales and ios of one of existing and terminal payments of POS the number of agents loads potential and summary burden By the consumers they would have greater access to cargo and agents guaranteeing by this a use As suggested in the background section of the invention conventional prepaid card programs have commonly requirement specific connectivity also as terms of processing and settlement In the embodiments of the invention can use connectivity formats and standardized messages to support card comparison transactions The connectivity and message formats that are used can be of the type that are used in transactions Credit cards or debit cards When using connectivity formats and transaction messages, and that the operation of the system is in progress, it will be evident from the discussion that follows. If a network of the issuer is provided with one of funds when using a payment network the same day settlement for purchases recharge is pos ib As indicated a conventional prepaid card program may have a settlement window from 2 to 5 the real-time appearance of embodiments of the invention provides the consumed In many alternative payment processing networks the alternative users require a user to complete several activation stages before using a prepaid card. The user's ability to use the card is therefore delayed and may be some time from the card. Real time of purchase when using a payment processing network the participation in the systems and methods of the i is completely uniting Lar issuers and specifying to them they can be repaid and all p is in locations of and the acquirers can load locations of participation and negotiate terms and agreements of sac ation One a according to one of other systems according to embodiments of invention may include less or more components that are specifically shown in Figure 1 shows a user an agent charging an acquirer a payment network 40 a the acquirer 30 and issuer 42 can communicate through the processing network of p The charging agent 20 includes at least one service point terminal 24 and can communicate with the acquiring payment processing network 40 and the sender. The user 10 can also be a consumer of goods. The user 10 can be associated with a device of the portable consumer 14 such as a card Although prepaid cards are discussed in the embodiments of the invention they may encompass more than just p The i invention may include portable consumer devices portable consumer tires may be portable compact in such a way that they can fit in the wallet consumer pocket Examples of portable consumer devices can include assistants to personal cards, card readers, cards, cards, media cards, transponders, and portable consumer devices can be interconnected with point terminals service using any appropriate mechanism in which e include any magnetic or optical interconnection system. By a contactless system such as a device recognition system or contact system such as a magnetic stripe can be used to interface with a POS terminal containing a reader without contacts or A band reader The portable consumer device 14 may also include a volatile or non-volatile memory for storing information such as the card holder's main account number, name and other charging value data may also be stored in the memory of the cardholder. iiiit L aoii da a la I la caraa can be on an elective basis with the issuer 2 the account i with the device is a portable i Changing monetary values associated with the device of the portable consumer 1 4 can be retained only in the database in such a way that consumer discrepancy at 1 4 could simply macona jn bá formation sica the account associated with the consumer device Portable loading 20 can be one of many loading agents in a By the loading agent 20 can be a merchant with one or multiple terminals Exemplary charging agents can include warehouse warehouses of warehouse stations Unlike systems freight prepaid cards in modalities of freight brokers can include businesses that have no affiliation with each other and can simply be any number of companies that have normal POS terminals that are configured to process card transactions from the freight forwarder 20 can also have an appropriate number of terminal types. In Figure 1 a POS terminal 24 is shown for simplicity? I I POS P rices of counters with terminals that may include I I that are equipped to perform credit or debit transactions. POS terminals have electric or magnetic readers that read data from portable devices. shows in Figure 1 the system can an acquirer 30 and an issuer The acquirer 30 can be a bank that is associated with the charging agent Can have one or more accounts cié deposit of the acquirer The sender 42 can have a server computer also as a database of 48 and at least one account of deposit of the issuer The computer of server 44 is commonly a powerful computer or group of By the server computer can be a main computer a group of minicomputers or a group of servers that function as a In a the server computer can be a database server coupled to a server As it is used in the a is commonly an entity of by a Commercial bank that has a relationship with a merchant i I i? ey a business I issue a consumer device a list of entities can serve as a transmitter functions of Modalities of the invention encompass the single details of several elements in which are included the d u uiriot T s can be found in the application for a parent country is incorporated herein by reference in its payment processing network 40 can comprise or use a payment processing network such as Visa The payment processing network 40 and any network of payments. communication communicating with the payment processing network 40 can use any wired or wireless network including The payment processing network 40 can be adapted to process debit or credit card transactions in addition to processing transactions associated with the charging value recharge in consumer devices For simplicity of a user a charging agent a branch terminal an acquirer 30 and a transmitter 42 are It will not be understood that in multiple modalities there may be multiple terminal agents of high sample accounts to charge a prepaid card according to a modality of the Other mode 1 of the invention may have more or less Laughter. figure 1 as to the figure a user p Lona r r first offer of money in check or to a freight agent 20 The freight agent 20 can be a merchant who sells The offer of payment presented can be used to initiate an initial charge of a device of the portable consumer The charging agent 20 can optionally charge a fee for the service of the agent After receiving the offer the charging agent 20 processes the offered payment and makes the device of the portable consumer 14 in the POS terminal 24 and initiates a transaction authorization request to the freight agent's acquirer 30 The transaction authorization request may be an initial freight authorization request r authorization to carry out an initial charge of the device of the portable consumer After receiving the request for authorization from the acquirer, which is commonly a bank with the 1 channel, the user is required to In the case of the issuer of the 42nd issuer, its api The request for transaction settlement may include speci c in the field data of or of which it indicates that the transaction is a performed transaction. In a credit or transaction transaction The transaction authorization request may have other information which includes codes of an account number one of a code of a code after the issuer receives the authorization request from the sender 42 action to verify the account of the approve or decline the request and increase the value associated with the device of the portable consumer The file of the card that may be stored in a database can be updated as is Some or all this processing it can be effected by a server computer 44 put into operation by located with the issuer The server computer 44 stores records of the stored r database iv aoa 1 i J a om computers of en oai ron the network acquiring pacts processing to be used to store transaction data Then the 42 sends a response message a response message from the network of pinos Then the processing network 40 sends messages from Answers to Acquirer 30 and Acquirer 30 sends the response message of the load to the charging agent Then the agent's load 24 receives the message from If the transaction is then the agent of 20 provides the device of the portable consumer 14 to the user 10 The device of the portable consumer 14 is updated with an initial charge quantity associated with the payment offer initially provided by the user. The actual update may occur in a memory within the device of the portable consumer 14 in a database 48 with the sender 42 or some other You can provide a receipt to user 10 and the receipt can show an updated card balance and other details of Lue The user 10 can use the device of the portable consumer 14 immediately after charging the device of the portable consumer 14 with i the s then a display or a can be printed by the indicated t of the t 1e denied 1 The POS terminal 24 is in communication with the payment network 40 and send a request for authorization of t iransacci to an issuer of the di spos it vo po r a ti J 14 to be used by a user since the LSO 42 authorizes or does not authorize the request auto The transaction authorization request can be an initial charge request or a recharge request is explained in the A response message is received in the POS terminal 24 and indicates whether the transaction authorization request has been approved or not If the transaction authorization request has been the portable consumer device 14 it is loaded with an initial charge amount amount associated with the payment offer provided at the point of A quantity d associated with the offer of payment may include an amount equal to the quantity offered or an amount that is related to the amount Per in a last the freight agent can obtain a fee of the amount to carry out the transaction and the amount charged initial or recharged I i er ii installments required by the lc issuer of the payments for 1 out the La associated with the payment offer can be added to the existing quantities associated with portable consumer device The fineness 3 shows one of For the purposes of the invention, other methods according to other embodiments of the invention may have more or less Referring both to figures 1 as a consumer may first submit an offer of payment example money in check or and a portable consumer device 14 to a charging agent 20 Then the presented payment offer can be used to recharge the portable consumer device l 14 with value After receiving the offer from the freight forwarder 20 processes the offered payment and makes the device of the portable consumer 14 in the POS 24 signal and initiates a transaction authorization request with the acquirer 30 of the charging agent The transaction authorization request can be a request for a refill authorization for ask for authorization the address of the U of L of the Ir Lente 30 channels the transaction to the payment processing ed Then the payment network 4 0 channels the transaction authorization to the issuer 4 2 Then issuer 4 2 take action to verify the baby approve or decLinai increase the eta and vo vo of the user as appropriate 2 0 6 Some or all of this or can be done by a server computer 44 that is put into operation is located with the issuer 4 2 and record of the transaction can be stored in the database Then the sender 4 2 sends a reload response message to the payment processing network Then the processing network The payment manager 40 sends the recharged response message to the acquirer 30 and the acquirer 30 sends the response message to the charging agent. The POS terminal 24 of the charging agent receives the message from If the transaction is then the charging agent 2 0 The portable consumer device 14 is provided to the user 10 The portable consumer device 14 is updated with an additional amount of value associated with the payment offer provided by the user II i may occur in a stream on the I port 1 device on a base associated data ii issuer or another in i can provide a 10 and the receipt show an updated balance and another transaction detail If the transaction is not then one can show or a receipt can be printed by the i 1 of POS which indicates that the ? of was not After obtaining the device of the portable consumer 14 with a value initially loaded or the user 10 can use the device of the portable consumer 14 with any appropriate merchant who is in communication with the payment processing network The new merchant could but not it has to be the same charging agent The newly loaded or recharged portable consumer device can be used immediately after the device of the portable consumer 14 is charged or recharged with After the user makes offers of funds and after the transactions indicated above are A settlement process is carried out. Referring to the figure, the freight forwarder 20 makes the funds available to the acquirer. The available amount includes the total of accounts associated with the transactions. The transaction is based on the A certain amount of payment is to an acquire 3 0 After the acquirer Q participate in one of and with the network ?? of paqos and several proceso of iiiy The net amounts due between vri emitters v en i ca with the payment processing network are settled by the paqos processing network the payment processing network 40 performs on net with the acquirer 30 and debits the acquirer 30 for an amount due to the issuer 42 for the approved freight transactions and credits the acquirer 30 for the payment processing network 40 makes net settlements with the acquirer 30 and debits the acquirer 30 for an amount due to the issuer 42 for approved cargo transactions and credited to the acquirer 30 by the The deposit account of the acquirer 32 is updated The payment processing network 40 also makes the net settlement with the issuer 42 and credits the issuer 42 for the number of transactions of charges approved and debit the issuer by the El t can a previously tanned The network of it to an acquirer 1 asi that have been through the network of de pag The deposit account of the issuer 46 is then updated from the data processing network 4 0 classifies the settlement records and the appropriate issuer t and the 42 nd of Previously charged In the example, the funds are from user 10 and are transferred to the agent of acquirer 30 and then to the issuer. The transfer of funds is different from what could happen in a credit card transaction In a credit card transaction the funds they are transferred from the acquiring issuer 30 and then to the merchant who may have sold goods to a in modalities of the initial charge and recharge transaction authorization process and the settlement process of transaction and exchange may occur in a This is a table of much shorter time than the days provided by the Moda 1 prepaid card systems and the invention provide a variety of modalities of the one usu can charge or re-charge a consumer device ii value with a merchant that is in with a network of payment processing that adapted to process debit credit card transactions norm tuesto that shares of specific networks This is why the user has more potential load agents that can load the user's portable consumer device with horn. It is indicated in the form of an authorization process is performed before a card is reloaded with This is done although the user is presenting payment offer to the agent As the issuer of the portable consumer device can keep track of the transactions of the It can be useful if the user would like a summary of expense reports to help identify potential fraud or money laundering if a normal number or normal amount of charges or recharges is being if the portable consumer device is lost by the user can notify to the issuer that the r is squier subsequent transaction requests as well as the lost portable consumer being impeded or by fraud and preventing loss of value to the invention are also for use with a payroll card is a type of consumer device With an employer user to put the user's payment amount for employment on a card instead of issuing a check of Since the amounts can be added or subtracted on the payroll card in modalities of the embodiments of the invention are particularly useful with cards. It is not intuitive to provide an authorization process when charging or recharging a card. portable consumer device with since the user is submitting verified payment offer money to the freight forwarder and in theory there would be nothing that as indicated, it would be desirable to have an authorization process to prevent or minimize fraud and provide some means to track the use of consumer device prepaid laptop components bow elements ion described in ea sun It can be a programming error to be one or more processors using computer language for example or using conventional techniques or techniques oriented to cough codes of pr ama c 1 elements or i can be to J as a series of i commands in a that can be read by such as a random access memory a reading memory a medium ral magnetic as a hard disk drive or a flexible disk or an optical medium as a Any that can be read by computer can also reside in or within a single compu apparatus and may be present in or within different computing devices within a system or The present invention may be implemented in the form of control logic in programming elements or physical elements or a combination of logic. control can be stored in an information storage means as a plurality of instructions adapted to direct a processing device. information to carry out a set of stages revealed in a modality of the present On the basis of the relationship and teachings provided in the person of ordinary skill in the art arearatrass to increase the te on se se se se se se se se se se se se se tender tender 1 1 1 1 1 1 1 1 1 con con con The description above is illustrative and it is not. Many inventions will be made for those in the art after the invention of the invention, so it should be determined not with reference to the description but instead it must be determined with reference to pending claims along with its full scope or All requests for publications and descriptions mentioned above are hereby incorporated by reference in their entirety for all None is admitted to be art insufficientOCRQuality

Claims (1)

  1. RE IVI ND I CAC I ONES A characterized? c ona oia do paqo inal point tvi put into operation by aponte of the point of service in common j operative with a network of where the service terminal after sending a request ele i transaction to a transmitter a device of the laptop to be used by a user and wherein the issuer after this authorizes or does not authorize the request for authorization to receive at the point terminal an indication that the transaction authorization request has been approved or not and if the request for transaction authorization has been the device of the portable consumer is either loaded initially or recharged with an amount associated with the offer of payment provided in the terminal point of service The method according to claim 1 characterized in that the request for authorization of transaction is a request for authorization of loading The method according to claim characterized in that the request No transaction authorization is a request for authorization of 1 do with a frequency of 1 to the age of a cargo ship that puts pressure on several of the service point terminals are in operational communication with the network. in accordance with the claim because the transaction is an authorization t The method of compliance with the indication because the device of the portable consumer is a card and where the processing network The payment is adapted to process credit card transactions A method characterized in that it sends a request for transaction authorization to an issuer of a portable consumer device to be used by a user of a point of service terminal put into operation by a freight forwarder after receiving an offer of payment from an issuer where the issuer afterwards authorizes or does not authorize the request for authorization. n of and wherein the point of service terminal is in operational communication with a processing network at the point of an indication that the transaction authorization has ioy the transaction authorization has been the portable consumer device it is either initialized or recharged with an amount associated with the procedure provided in the terminal point of convention because the transaction authorization request is initial load request or an authorization request from the method of conformance with the rei indication because the request for transaction authorization is a request for authorization of The method according to claim characterized in that the charging agent is one of a plurality of load agents that put into operation point terminals where the terminals of service point are in operational communication with the processing network of and where the process network The payment facility is adapted to process debit card transactions. A computer-readable medium characterized in that it comprises instructions for carrying out the transaction in which the instruments are entered into by a Unified because request for a transaction authorization with a consumer to be used by a user of a point-of-service terminal put into operation by a load after receiving a letter of origin from where the portable telephone number issuer after this authorizes or does not authorize the request for authorization from and wherein the point of service terminal is in operational communication with a processing network of and sending a transaction response message to the point terminal where the transaction response message indicates whether the request for authorization of transaction is approved or not The method according to claim characterized in that the request for transaction authorization is a peti initial authorization authorization or an authorization request The method according to claim characterized in that the charging agent is one of a plurality of charging agents that operate point terminals from which the point of service terminals are in operative communication with the network of the network. Processing is adapted to card transactions A can characterized in that it comprises instructions for carrying out the method according to the claim wherein they are for an Un i? It is understood that computer readiness is read in accordance with the indication A merit ca act i because receiving a paqo offer associated with a portable consumer device at a point of and at the point of charging or recharging the portable consumer device with an amount associated with the payment offer presented using a processing network of the payment processing network is adapted to process debit card transactions or the payment processing network is in communication with a sender of the consumer device The method of compliance with the claim characterized in that it comprises adding several payment offer and sending an amount associated with the added payment offers to an acquirer related to a freight forwarder which? S deals where the participant in the process of liquidation v in accordance with the claim c acterizado because the portable consumer device is a prepaid tar The method in accordance with the claim icteriz do eeidsiti L i por is a payroll A system characterized by a consumer device a point terminal of the portable consumer device is adapted to interconnect with the point of a payment processing network in communication with the plurality of point terminals of and a server computer resident in or in communication with the processing network wherein the server computer is configured to charge or recharge the portable consumer device with an amount associated with a payment offer submitted by a user of the portable consumer device after responding to an authorization request to charge or recharge the device of the co nsumidor with the reason why the portable consumer is a ta or a UIPT payroll that understands to receive amounts associated with the paao offers associated with the loading or reloading of the portable device with events of and participating in the liquidation round Where in the process of and amounts due to the senders of the consumer sen sendas sent to the sures SUMMARY OF THE SE and i i includes providing terminated I put in a terminal of point of is in with a network of processing of After the Point terminal sends a transaction request to a portable device to be used by the issuer or not. The authorization of transaction is that of the portable consumer is either initially loaded or recharged with a partner associated with the paid payment in the point terminal of insufficientOCRQuality
MXMX/A/2008/007212A 2005-12-06 2008-06-05 Method and system for loading and reloading portable consumer devices MX2008007212A (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US60/748,141 2005-12-06
US11404651 2006-04-14

Publications (1)

Publication Number Publication Date
MX2008007212A true MX2008007212A (en) 2008-10-03

Family

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