WO2001041026A1 - Procede et systeme pour point de transaction de validation d'acces de carte de credit - Google Patents

Procede et systeme pour point de transaction de validation d'acces de carte de credit Download PDF

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Publication number
WO2001041026A1
WO2001041026A1 PCT/US2000/032860 US0032860W WO0141026A1 WO 2001041026 A1 WO2001041026 A1 WO 2001041026A1 US 0032860 W US0032860 W US 0032860W WO 0141026 A1 WO0141026 A1 WO 0141026A1
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WO
WIPO (PCT)
Prior art keywords
card
code
transaction
credit
pin code
Prior art date
Application number
PCT/US2000/032860
Other languages
English (en)
Inventor
Tim Gorczyca
Original Assignee
Andropolis Millennium Systems International
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 Andropolis Millennium Systems International filed Critical Andropolis Millennium Systems International
Priority to AU20591/01A priority Critical patent/AU2059101A/en
Publication of WO2001041026A1 publication Critical patent/WO2001041026A1/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3576—Multiple memory zones on card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Definitions

  • the present invention relates generally to methods and devices for carrying out a financial transaction utilizing a credit based account .
  • the present invention relates more specifically to methods and devices for utilizing a credit card in a manner that prevents the unauthorized use of the card by incorporating a removable access key placed on the card at the time of the transaction, while retaining the convenience and ease of use normally associated with credit cards.
  • DESCRIPTION OF THE RELATED ART Millions of dollars are written off as losses by credit card. companies annually because of the unauthorized use of credit cards.
  • Triis patent provides the combination of a credit card with an account number and a personal identification number (PIN) that is input into an electronic terminal at the point of transaction.
  • PIN personal identification number
  • Triis patent describes the basic method whereby the PIN code and the account number are compared with information stored in the central data base. If the PIN code corresponds to the account number, then the transaction is authorized.
  • the primary purpose of the patent is to provide a new card validation system that prevents unauthorized use of a credit card immediately after it has been issued as it is intercepted before the authorized card holder receives it .
  • This patent was directed primarily to a method for issuing credit cards through a comparison of various identifying information magnetically imprinted on the card. An input device for entering such identification number is required in order to confirm the appropriate user of the card.
  • the primary shortcomings of previous efforts to require the use of PIN code in association with credit cards has been the necessity of providing a terminal for entering the PIN code, which terminal is in telecommunication with a central credit card database. In many instances it is not practical for the retail establishment to provide such a PIN terminal to each and every customer who wishes to use a credit card. The use of the PIN terminal necessitates an established hard wire telecommunication data link with a modem or other data type device that communicates with the central credit card database to verify the authorized use of the card.
  • a PIN code in conjunction with the credit card device could further be accompanied by the use of a vendor code imprinted on the card at the time of the transaction to verify that the location of the transaction is valid. Further, it would be desirable if the use of the PIN code and the vendor code were accompanied by the use of a unique transaction code, imprinted on the card at the time of the transaction such that accessing the credit card (using the card) could be accomplished on a transaction by a transaction basis.
  • the present invention provides a method and system for credit card or debit card use that requires the card user to associate a PIN code with the account number on the credit card prior to carrying out an individual f inancial transaction .
  • a vendor code and a unique transaction code are automatically associated with the credit card when the user identifies the PIN code .
  • a preferred embodiment of the invention utilizes a credit or debit card with magnetizable memory f ields on the card that carry a "permanent " imprint of the account number and a rewritable imprint of the PIN code , the vendor code and the transaction code .
  • the appropriate PIN code , vendor code , and a unique transaction code are imprinted on the card magnetically or otherwise , and are carried with the account code to a card reader wherein the codes are read and transmit ted by electronic linkage to a central credit or debit card database .
  • the PIN code is verif ied as the code properly assoc iated with the account number .
  • the vendor code is verif ied as valid (being a registered vendor for the specif ic credit/debit card system) .
  • the transaction code is verif ied as being unique , that is , distinct from a previous transaction code associated with the account number .
  • the transaction code is stored in the system database so as to prevent subsequent use of the credit or debit card without a new association or imprinting of the PIN code , vendor code , and a new transaction code thereon .
  • the method and system prevent the unauthorized use of the credit or debit card by way of requiring that the PIN code appear in association with the account code before a transaction is authorized and by requiring a uni que transaction code for every transaction .
  • FIG. 1 is a schematic diagram showing the various basic components of the system of the present invention and their relationship during use of the credit card in a financial transaction.
  • FIG. 2 is a flow chart showing the fundamental steps associated with carrying out the method of the present invent ion as it pertains to the issuance of the credit card and credit account .
  • FIG. 3 is a flow chart showing the various steps associated with the appropriate use of a credit card according to the metbod of the present invention in an authorized financial transaction.
  • FIG. 4 is flow chart showing the basic steps of the method of the present invention when utilized in conjunction with traditional point of sale PIN required transactions utilizing a credit or a debit card.
  • DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS It is understood that the present invention may be implemented through a system incorporating various electronic components that are already in use for credit and debit card financial transactions, albeit that the complete set of components are not presently utilized in the manner and in the arrangement that the present invention describes. The basic components will be sufficiently described so as to identify the nature of their structure and function.
  • the basic components of the present invention are shown to include a credit card or debit card (12) having a magnetized/magnetizable area (19) on one side of the card, typically in the form of a stripe across the back of the card as is well known in the art.
  • the primary additional requirement presented by the method and system of the present invention is that the magnetizable stripe (19) on the back of the card be segregated into at least two areas and preferably four areas (20) , (22) , (24) , and (26) that are designed to carry in either a permanent or a temporary fashion, certain bits of data associated with the account number, a PIN code, a vendor code, and a transaction code. It is anticipated that the physical geometry of standard magnetic stripes positioned on credit cards and the like would not need to be altered for purposes of the present invention. It is anticipated that the various codes which are permanently or temporarily placed on the magnetic stripe could easily be incorporated into the geometries and structures of present credit card and debit card systems that utilize such magnetizable material in the construction of the card.
  • the second primary component associated with the method and system of the present invention is a magnetic card reader (16) as is typically found with vendors who are set up and established to receive and utilize credit cards in financial transactions at their places of business.
  • Such magnetic card readers (16) typically allow the insertion of the card into an electronic device which senses the magnetic coding established on the back of the card, most typically reflecting the account number of the credit account or debit account.
  • Alternative mechanisms involve swiping the card through a slot (40) which again incorporates a magnetic reader that detects and interprets the data stored in the magnetic fields on the card. While there are many "smart cards" in use currently, the present invention does not anticipate that the primary value of the methods and system of the present invention will be met in conjunction with such cards.
  • a third essential element in the method and system of the present invention is the remote credit or debit card database (18) .
  • Connection to the remote database is made through the card reader (16) , typically at a single point in a vendor's place of business or in an establishment's financial transaction system.
  • the purpose of the magnetic card reader is to read the various informational data bits that are stored on the card either permanently (as in the form of an account number) or temporarily (as in the form of a PIN code, a vendor code, and/or a transaction code) .
  • a final critical and unique element of the method and system of the present invention is a portable PIN terminal (14) that permits the user to imprint the PIN code on the card for the purposes of carrying out a single transaction.
  • the portable imprinter (14) may be programmed to automatically place a vendor code on the card as well as a random transaction code at the same time the card user imprints the PIN code. In this manner the portable unit (14) places the card (12) in a valid, keyed, accessible condition suitable for a single transaction to be carried out. As will be described in greater detail below, it is the intent of the system that such temporary data fields on the card will be overwritten upon the initiation of a new transaction. Reference is again made to FIG.
  • credit card (12) incorporates a plurality of magnetically imprintable fields (20) , (22) , (24) , and (26) positioned on at least one face of the credit card (12) .
  • the magnetic area (19) usable by the method of the present invention should be that area already defined by the magnetic stripe typically found on credit cards and debit cards .
  • the magnetic stripe (19) positioned on credit card (12) is divided into a plurality of regions varying in number from 2 to 4 or more depending upon the particular steps that the system is arranged to carry out.
  • the magnetic stripe (19) associated with the credit or debit card contains two fields, one which holds the account number (26) and the second which may temporarily hold a PIN code (24) .
  • the account number is permanently imprinted into a first magnetic area (26) of the stripe on the back of the card and is retained there throughout the many transactions that will be carried out during the lifetime of the card.
  • the second area (24) of the magnetic stripe (19) is characterized as being temporary in nature and requires the imprint of a PIN code onto the area and the reading of that code in association with the account number in order to validate the financial transaction.
  • Preferred embodiments of the present invention utilize (in addition to the PIN code and the account code) a vendor code (22) and a random transaction code (20 ) to further verify and validate the specific f inancial transaction .
  • the vendor code is simply an identification code associated with the particular retail establishment at which the credit card is being utilized in the financial transaction .
  • the use of a vendor code prevents the unauthorized removal of an activated or unlocked credit card by any party outside of the specif ic vendor that the card user has provided the card to at the time of the intended transaction.
  • the random transaction code is a mechanism to prevent the repeated use of a validated card in more than the intended single transaction authorized by the card user .
  • the transaction code is a four digit sequence of numbers randomly generated by digital circuitry as is well known in the art of calculators , digital clock/calendar devices and the like .
  • the portable card imprinter (14) of the present invention has three fundamental components. First, the imprinter has a card slot (34) within which is positioned a magnetic writing head (not shown) appropriately positionable over various portions of the magnetic stripe (19) associated with the credit card (12).
  • Such magnetic writing heads are typical of systems that can temporarily program magnetic cards and the like with access numbers or other bits or information.
  • Such programmable writing devices can be found in debit card issuing machines and the like, as well in motel room access card keys and the like.
  • the present invention utilizes such a writing device in conjunction with a small (handheld) portable mechanism for imprinting the PIN code, the vendor code, and a transaction code onto the card at the point of the financial transaction.
  • a second primary component of the portable imprinter comprises a key pad (30 ) that permits the user to input the PIN code in privacy in order to prevent either the vendor or other parties around the transaction from securing the PIN code for later use . It is this feature of the present invention that maintains the convenience and ease of use that credit card users have become accustomed to . By permitting the user to remain disassociated from the hardwired terminal ( 16 ) that makes electronic contact with the system database (18 ) , the present invention maintains the ease of use that prior systems have enj oyed .
  • the key pad (30 ) of the portable imprinter is, as is well known in the art , a standard 12 -button key pad bearing numbers 0 through 9 with a # sign and * for various funct ions related to the input of the PIN code .
  • the PIN code would be a simple four-digit number easily remembered by the card user but suf ficiently distinct from a significant number of other possible codes as to prevent the unauthorized user from merely guessing at the code and securing use of the card .
  • the final primary component of the portable imprinter i s a display device (28 ) that allows the user to confirm the process of entering a PIN code and additionally prompts the user for such PIN code input .
  • the portable imprinter (14 ) of the present invention might be sized somewhat larger than a standard digital calculator and could, as in the case of a restaurant vendor, be incorporated into a small folder as is typically presented to patrons upon completion of a transact ion for payment .
  • a waiter might bring a portable imprinter ( 14 ) to the table wherein the credit card or debit card owner would insert his or her card ( 12 ) into the portable imprinter ( 14 ) and key in the PIN number for imprinting on the card ( 12 ) .
  • the portable imprinter ( 14) would have been preprogrammed with the vendor code which it retrieves from memory at the time the PIN code is entered .
  • the transaction code would then be randomly generated as described above and would be writ ten to the rewritable fields on the card ( 12 ) in conjunction with the PIN code and the retrieved vendor code .
  • the waiter would then take the imprinted "unlocked" card ( 12 ) to a magnetic card reader (16) for carrying out the financ ial transaction in ordinary fashion as is known in the art .
  • Vari ous other environments might utilize other types or structures of the portable imprinter ( 14 ) described above without departing from the spirit of the invention .
  • the magnetic card reader ( 16 ) utilized in the system of the present invention might be just such a reader already utilized in credit card and debit card financ ial transaction environments . Erasure of the codes af ter use is not required since the use of a unique transaction code prevents the repeated use of an "unlocked" card after the first recordal of the transaction . In this fashion, if the vendor (the waiter, for example) did not properly swipe the card through the magnetic card reader or if for some other reason the card reader did not properly read each of the elements on the card, the vendor would not be required to return the card to the card user for a repeated placement of the PIN code on the card . Finally , in FIG .
  • FIG. 2 represents the process of issuing a card and associated PIN code .
  • step (40 ) a card is issued with a specific account nurc ⁇ oer imprinted thereon .
  • a PIN code is issued, general ly apart from the issuance of the card . This is according to standard practice with bank debit cards and the like .
  • a correlation between the PIN code and the account number is stored in the central credit/debit database .
  • the card user receives val idation not i ce for the new card/account .
  • FIG . 3a discloses the primary steps associated with carrying out a financial transaction according to the method of the present invention .
  • a credit/debit card according to the descriptions above is provided.
  • a portable magnetic imprinter according to the system described above is also provided.
  • the card user inserts the card into the imprinter provided to him or her by the retail establishment.
  • the portable magnetic imprinter then prompts the user to enter the PIN code at step (56) .
  • the user enters the PIN code at step (58) , followed by the portable magnetic imprinter placing the PIN code onto the card at step (60) .
  • the portable magnetic imprinter automatically places the vendor code onto the card at step (62) .
  • the portable magnetic imprinter places a randomly generated transaction code onto the card at step (64) .
  • the user then removes the card from the imprinter at step (66) and gives the card to the retail establishment.
  • a card reader and data modem are provided to the retail establishment.
  • the retail establishment inserts (swipes) the card through the card reader.
  • the card reader reads the account number for the transaction. This is followed by steps (74), (76) , and (78) wherein the PIN code, the vendor code, and the transaction code are read. Finally, in FIG. 3c are seen the remaining steps in the method of the invention.
  • the card reader makes a modem connection to the central database. Once the connection is established, the card reader transmits at step (82) the account number, the PIN code, the vendor code, and the transaction code.
  • the central processor/database confirms the correlation between the PIN code and the account number.
  • the central processor/database confirms the validity of the vendor code and the uniqueness of the transaction code.
  • the central database/processor confirms that a transaction may be carried out or alternately rejects the transaction if any of the above indicated codes are invalid.
  • the system and method of the present invention permit the credit/debit card user to carry out financial transactions over the telephone and through Internet connections in a manner similar to current methods for such transactions . With telephone orders the card holding customer may choose to transmit the account number by voice to the individual taking the order over the phone. In the preferred method of the present invention, the card user will be required to enter the PIN code directly into his or her telephone keypad rather than by voice.
  • the PIN code entry will go directly into a dual tone multi-frequency (DT F) data translator within the retail business 's ordering system.
  • This method of entering data is well known in the art as are various devices appropriate for receiving and translating such data.
  • the PIN code entry would not be visually displayed to the person taking the card holder's order over the phone but would be accepted into the ordering system and would thereafter be matched with the account number for verification.
  • entry of a vendor code and a transaction code would occur at the retail business ' s processing system in the manner described above .
  • Internet transactions would be carried out in a similar fashion. Entry of the card holder's account number over the Internet would be followed by entry of the PIN code, again in a manner that would prevent its display at either the local or remote site.
  • vendor codes and transaction codes would be retrieved and tagged to the transaction as is described above .
  • Variations in both the system and the method of the present invention will be anticipated by those skilled in the art.
  • As one objective of the present invention is to permit implementation in conjunction with existing credit card and debit card reading devices, it is understood that a number of different such devices are possible.
  • slight departures from the method steps of the present invention are anticipated to accommodate additional data that a particular credit or debit card service might require.
  • some credit or debit card services may not require each of the bits of data identified above in the preferred embodiment .

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention porte sur un système d'utilisation de carte de crédit/débit qui demande à l'utilisateur d'associer un code PIN au numéro de compte de la carte avant d'effectuer une transaction financière. Un code vendeur et un code de transaction unique sont automatiquement associés à la carte lorsque l'utilisateur identifie le code PIN. Une carte (12) de crédit/débit avec zones mémoire identifiables (20, 22, 24, 26) portent une empreinte « permanente » du numéro de compte et une empreinte pouvant être réimprimée du code PIN, du code vendeur et du code transaction. Au moment d'une transaction financière, le code PIN approprié, le code vendeur et un code de transaction unique sont imprimés sur la carte de manière magnétique et sont supportés avec le numéro de compte sur un lecteur (16) de carte, les codes étant lus et transmis par liaison électronique (42) à une base de données centrale (18) de cartes.
PCT/US2000/032860 1999-12-03 2000-12-04 Procede et systeme pour point de transaction de validation d'acces de carte de credit WO2001041026A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU20591/01A AU2059101A (en) 1999-12-03 2000-12-04 Method and system for point of transaction credit card access validation

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US45446199A 1999-12-03 1999-12-03
US09/454,461 1999-12-03

Publications (1)

Publication Number Publication Date
WO2001041026A1 true WO2001041026A1 (fr) 2001-06-07

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WO (1) WO2001041026A1 (fr)

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2840541A3 (fr) * 2013-08-19 2015-03-18 Marqeta, Inc. Système, procédé et programme informatique pour identifier dynamiquement un marchand associé à une demande d'autorisation pour une carte de paiement
US9613358B1 (en) 2013-08-19 2017-04-04 Marqeta, Inc. System, method, and computer program for capturing a unique identifier for a merchant used in purchase transaction approval requests
US11023885B2 (en) 2017-06-30 2021-06-01 Marqeta, Inc. System, method, and computer program for securely transmitting and presenting payment card data in a web client
US11438370B2 (en) 2020-07-16 2022-09-06 Capital One Services, Llc Email security platform
US11636465B1 (en) 2015-10-21 2023-04-25 Marqeta, Inc. System, method, and computer program for funding a payment card account from an external source just-in-time for a purchase

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US4359630A (en) * 1980-01-25 1982-11-16 Ing. C. Olivetti & C., S.P.A. Apparatus for depositing and/or withdrawing bank-notes by means of credit cards
US4630201A (en) * 1984-02-14 1986-12-16 International Security Note & Computer Corporation On-line and off-line transaction security system using a code generated from a transaction parameter and a random number
WO1994017498A1 (fr) * 1993-01-18 1994-08-04 Enco-Tone Ltd. Procede et appareil de stockage et de rappel magnetiques d'informations relatives a des transactions par carte de credit
US5434398A (en) * 1994-02-22 1995-07-18 Haim Labenski Magnetic smartcard
US5883452A (en) * 1994-06-30 1999-03-16 Nippon Shinpan Co., Ltd. Credit card system and method of issuing credit card using such a system
US6070795A (en) * 1996-09-24 2000-06-06 Koninklijke Kpn N.V. Method of making recoverable smart card transactions, a method of recovering such a transaction, as well as a smart card allowing recoverable transactions

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Publication number Priority date Publication date Assignee Title
US4359630A (en) * 1980-01-25 1982-11-16 Ing. C. Olivetti & C., S.P.A. Apparatus for depositing and/or withdrawing bank-notes by means of credit cards
US4630201A (en) * 1984-02-14 1986-12-16 International Security Note & Computer Corporation On-line and off-line transaction security system using a code generated from a transaction parameter and a random number
WO1994017498A1 (fr) * 1993-01-18 1994-08-04 Enco-Tone Ltd. Procede et appareil de stockage et de rappel magnetiques d'informations relatives a des transactions par carte de credit
US5434398A (en) * 1994-02-22 1995-07-18 Haim Labenski Magnetic smartcard
US5883452A (en) * 1994-06-30 1999-03-16 Nippon Shinpan Co., Ltd. Credit card system and method of issuing credit card using such a system
US6070795A (en) * 1996-09-24 2000-06-06 Koninklijke Kpn N.V. Method of making recoverable smart card transactions, a method of recovering such a transaction, as well as a smart card allowing recoverable transactions

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2840541A3 (fr) * 2013-08-19 2015-03-18 Marqeta, Inc. Système, procédé et programme informatique pour identifier dynamiquement un marchand associé à une demande d'autorisation pour une carte de paiement
US9613358B1 (en) 2013-08-19 2017-04-04 Marqeta, Inc. System, method, and computer program for capturing a unique identifier for a merchant used in purchase transaction approval requests
US9767457B1 (en) 2013-08-19 2017-09-19 Marqeta, Inc. System, method, and computer program for dynamically identifying a merchant associated with an authorization request for a payment card
US10026089B2 (en) 2013-08-19 2018-07-17 Marqeta, Inc. System, method, and computer program for dynamically identifying a merchant associated with an authorization request for a payment card
US11636465B1 (en) 2015-10-21 2023-04-25 Marqeta, Inc. System, method, and computer program for funding a payment card account from an external source just-in-time for a purchase
US11023885B2 (en) 2017-06-30 2021-06-01 Marqeta, Inc. System, method, and computer program for securely transmitting and presenting payment card data in a web client
US11438370B2 (en) 2020-07-16 2022-09-06 Capital One Services, Llc Email security platform

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