WO2008034083A2 - Method and system for cross-issuer registration of transaction cards - Google Patents

Method and system for cross-issuer registration of transaction cards Download PDF

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Publication number
WO2008034083A2
WO2008034083A2 PCT/US2007/078537 US2007078537W WO2008034083A2 WO 2008034083 A2 WO2008034083 A2 WO 2008034083A2 US 2007078537 W US2007078537 W US 2007078537W WO 2008034083 A2 WO2008034083 A2 WO 2008034083A2
Authority
WO
WIPO (PCT)
Prior art keywords
registration code
issuer
transaction card
holder
account information
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
PCT/US2007/078537
Other languages
English (en)
French (fr)
Other versions
WO2008034083A3 (en
Inventor
John Foxe Sheets
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Visa International Service Association
Original Assignee
Visa International Service Association
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 International Service Association filed Critical Visa International Service Association
Priority to AU2007296351A priority Critical patent/AU2007296351B2/en
Priority to BRPI0716738-5A2A priority patent/BRPI0716738A2/pt
Priority to CN2007800412885A priority patent/CN101536026B/zh
Priority to CA002665309A priority patent/CA2665309A1/en
Priority to NZ576259A priority patent/NZ576259A/en
Priority to JP2009528505A priority patent/JP5095740B2/ja
Publication of WO2008034083A2 publication Critical patent/WO2008034083A2/en
Publication of WO2008034083A3 publication Critical patent/WO2008034083A3/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Definitions

  • Transaction cards such as credit cards, debit cards and the like
  • Transaction cards are commonly used by consumers to perform transactions.
  • Transaction cards are so common because such cards have numerous advantages over alternative payment options. For example, such cards are often considered to be more convenient than carrying cash for a consumer because they are more compact and less likely to be lost. Moreover, if a transaction card is lost, the card can be cancelled with minimal loss to the cardholder
  • Transaction card issuers such as banks, often provide services in conjunction with a transaction card.
  • an issuer may offer a payment alert program to provide notice to a cardholder when a transaction card is used to perform a transaction.
  • Other services may include cardholder controls (under which restrictions may be placed upon a secondary cardholder who is able to use the transaction card), fraud protection (protection against transactions performed by an unauthorized third party if a transaction card is lost or stolen by a cardholder), and the like.
  • a cardholder that desires to enroll in one or more of such services must inconveniently enroll in the services with the issuer for each transaction card. Because of such inconvenience, a cardholder could be enrolled in a service with an issuer for one transaction card but not for another transaction card offered by the same association, when the cardholder would prefer to have all transaction cards offered by the same association enrolled in the service. Moreover, a cardholder could be unaware or forget that a particular desired service has not been obtained for a particular transaction card. This can cause confusion among cardholders.
  • the present disclosure is directed to solving one or more of the above- listed problems.
  • a method of providing one or more services to a cardholder may include generating, by an issuer, a registration code, sending the registration code to a cardholder, receiving the registration code from the cardholder, determining the issuer based on at least a portion of the registration code, transmitting the registration code to the issuer, receiving an account identifier associated with the registration code from the issuer, displaying at least a portion of the account identifier to the cardholder, receiving a verification value from the cardholder corresponding to the account identifier, and permitting the cardholder to select one or more services, if the verification value is valid.
  • Figure 1 depicts a flow diagram of an exemplary process of providing one or more services to a cardholder for a plurality of transaction cards according to an embodiment.
  • Figure 2 depicts a flow diagram of an exemplary process for associating a registration code with a consumer according to an embodiment.
  • Figure 3 depicts a flow diagram of an exemplary process for registering a consumer on a central website according to an embodiment.
  • Figure 4 depicts a flow diagram for an exemplary process of verifying a cardholder according to an embodiment.
  • FIG. 1 depicts a flow diagram of an exemplary process of providing one or more services to a cardholder for a plurality of transaction cards according to an embodiment.
  • an issuer may provide 105 a registration code to a cardholder.
  • the registration code may be provided as part of a monthly statement, via an issuer's online account management system and/or via other cardholder support channels, such as telephone, direct mailing programs, and the like.
  • the registration code is a code that is uniquely assigned to a cardholder for a particular service and/or all services offered by the issuer.
  • the registration code may be an alphanumeric code.
  • the registration code is not correlated to the cardholder's primary account number (PAN) or any other cardholder identifying information.
  • PAN primary account number
  • a particular cardholder may receive a registration code for one or more transaction cards and/or from one or more issuers.
  • each transaction code may include an issuer identification code that uniquely identifies the issuer of the registration code.
  • the cardholder may then access 110 a website, such as a transaction card association website. If the cardholder has not previously accessed the website, the cardholder may perform 115 a one-time account setup by selecting a username, password (or other authentication token), and/or the like. If the cardholder has already created an account at the website or once the cardholder completes the one-time account setup, the cardholder may log into 120 the account.
  • a website such as a transaction card association website.
  • the cardholder may then register 125 one or more cards by entering the registration code provided by each issuer for each transaction card.
  • the website may determine 130 an issuer based on the registration code and transmit 135 the registration code to the issuer.
  • the website may receive 140 account information for the cardholder's account with the issuer.
  • one or more fields of the cardholder's account information may be masked to prevent the display of sensitive information.
  • the account information may be received 140 in an encrypted format and decrypted by the website.
  • a list of services offered by the issuer may also be received and used to determine which services to offer the cardholder.
  • the cardholder may then select 145 one or more services to be applied to the account. Once the cardholder completes selection of the one or more services, the website may transmit 150 the selected services to the issuer for processing and enrollment.
  • Figure 2 depicts a flow diagram of an exemplary process for associating a registration code with a consumer according to an embodiment.
  • the issuer may select one or more account numbers for which to offer one or more services.
  • the issuer may remove 205 the bank identification number (BIN) from the PAN for the account.
  • a digest may be created 210 using the remaining digits. In a preferred embodiment, the SHA-I hashing algorithm is used to create this digest.
  • the digest may then be encrypted 215.
  • a registration code may be generated 220 using the digest and stored 225 in memory with the associated account number or the digest. The registration code may then be provided 230 to the transaction cardholder.
  • FIG. 3 depicts a flow diagram of an exemplary process for registering a consumer on a central website according to an embodiment.
  • a cardholder may log into 305 a registration website by, for example, providing a username, a password, and/or any other authentication token.
  • the cardholder may then enter 310 a registration code provided by an issuer.
  • a computer system associated with the registration website may determine 315 an issuer associated with the registration code and transmit 320 the registration code to the issuer.
  • the issuer may determine 325 whether the registration code is valid and determine the account associated with the registration code.
  • the issuer may then transmit 330 account information for the associated account to the registration website.
  • Figure 4 depicts a flow diagram for an exemplary process of verifying a cardholder according to an embodiment.
  • the registration website may receive 405 the truncated account number from the issuer. The issuer and the truncated account number may then be displayed 410 to the cardholder. If the displayed account number is improper, the transaction may be cancelled 415. If the cardholder verifies that the account number is proper, the registration website may display 420 a request for the associated transaction card's card verification value (CVV). The cardholder may then enter 425 a CVV for the transaction card. If the cardholder enters an improper CVV, the transaction may be cancelled 430. Otherwise, the cardholder may be registered 435 with the registration website.
  • CVV card verification value

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
PCT/US2007/078537 2006-09-15 2007-09-14 Method and system for cross-issuer registration of transaction cards Ceased WO2008034083A2 (en)

Priority Applications (6)

Application Number Priority Date Filing Date Title
AU2007296351A AU2007296351B2 (en) 2006-09-15 2007-09-14 Method and system for cross-issuer registration of transaction cards
BRPI0716738-5A2A BRPI0716738A2 (pt) 2006-09-15 2007-09-14 mÉtodo e sistema para prover um ou mais serviÇos de cartço de transaÇço a um detentor de um cartço de transaÇço
CN2007800412885A CN101536026B (zh) 2006-09-15 2007-09-14 交易卡跨发行者注册的方法和系统
CA002665309A CA2665309A1 (en) 2006-09-15 2007-09-14 Method and system for cross-issuer registration of transaction cards
NZ576259A NZ576259A (en) 2006-09-15 2007-09-14 Method and system for cross-issuer registration of transaction cards
JP2009528505A JP5095740B2 (ja) 2006-09-15 2007-09-14 発行者に依存せずに取引カードを登録するための方法及びシステム

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US82573306P 2006-09-15 2006-09-15
US60/825,733 2006-09-15

Publications (2)

Publication Number Publication Date
WO2008034083A2 true WO2008034083A2 (en) 2008-03-20
WO2008034083A3 WO2008034083A3 (en) 2008-12-24

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2007/078537 Ceased WO2008034083A2 (en) 2006-09-15 2007-09-14 Method and system for cross-issuer registration of transaction cards

Country Status (8)

Country Link
US (2) US7865434B2 (enExample)
JP (1) JP5095740B2 (enExample)
CN (1) CN101536026B (enExample)
AU (1) AU2007296351B2 (enExample)
BR (1) BRPI0716738A2 (enExample)
CA (1) CA2665309A1 (enExample)
NZ (1) NZ576259A (enExample)
WO (1) WO2008034083A2 (enExample)

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US8078536B2 (en) 2011-12-13
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US20110125624A1 (en) 2011-05-26
CN101536026B (zh) 2012-03-07
NZ576259A (en) 2012-04-27
JP5095740B2 (ja) 2012-12-12
US20080071680A1 (en) 2008-03-20
CN101536026A (zh) 2009-09-16
CA2665309A1 (en) 2008-03-20
JP2010503933A (ja) 2010-02-04
AU2007296351A2 (en) 2009-07-09
AU2007296351B2 (en) 2012-02-09
US7865434B2 (en) 2011-01-04

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