SG10201708440TA - Computer system and computer-implemented method for processing payment card transactions - Google Patents

Computer system and computer-implemented method for processing payment card transactions

Info

Publication number
SG10201708440TA
SG10201708440TA SG10201708440TA SG10201708440TA SG10201708440TA SG 10201708440T A SG10201708440T A SG 10201708440TA SG 10201708440T A SG10201708440T A SG 10201708440TA SG 10201708440T A SG10201708440T A SG 10201708440TA SG 10201708440T A SG10201708440T A SG 10201708440TA
Authority
SG
Singapore
Prior art keywords
payment card
payment
transaction
card
reissued
Prior art date
Application number
SG10201708440TA
Inventor
Gandhi Puneet
Gurunathan Arunmurthy
Jain Navneet
Original Assignee
Mastercard International 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 Mastercard International Inc filed Critical Mastercard International Inc
Priority to SG10201708440TA priority Critical patent/SG10201708440TA/en
Priority to US16/125,365 priority patent/US20190114633A1/en
Publication of SG10201708440TA publication Critical patent/SG10201708440TA/en

Links

Classifications

    • 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
    • G06Q20/38—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
    • G06Q20/409—Device specific authentication in transaction processing
    • 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
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/08—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
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems

Landscapes

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

Abstract

Computer system and computer-implemented method for processing payment card transactions A payment network server for processing a payment card transaction is described. The server comprises a processor configured to: receive, from an acquirer server, a payment transaction request comprising transaction details and an expiry identifier, where the expiry identifier indicates that the payment card transaction uses an expired payment card and the transaction details comprise expired card data associated with the expired payment card; determine, using a payment network database, if the expired payment card is associated with a reissued payment card; retrieve, from the payment network database, reissued card data associated with the reissued payment card if the expired payment card is associated with the reissued payment card; request authorisation, from an issuer server, to proceed with the payment card transaction using the reissued card data and the transaction details; and transmit, to the acquirer server, a payment transaction response indicating an approval or a refusal for the payment card transaction to proceed. [Figure to print with the abstract: Fig. ] 32
SG10201708440TA 2017-10-12 2017-10-12 Computer system and computer-implemented method for processing payment card transactions SG10201708440TA (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
SG10201708440TA SG10201708440TA (en) 2017-10-12 2017-10-12 Computer system and computer-implemented method for processing payment card transactions
US16/125,365 US20190114633A1 (en) 2017-10-12 2018-09-07 Computer system and computer-implemented method for processing payment card transactions

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
SG10201708440TA SG10201708440TA (en) 2017-10-12 2017-10-12 Computer system and computer-implemented method for processing payment card transactions

Publications (1)

Publication Number Publication Date
SG10201708440TA true SG10201708440TA (en) 2019-05-30

Family

ID=66096574

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201708440TA SG10201708440TA (en) 2017-10-12 2017-10-12 Computer system and computer-implemented method for processing payment card transactions

Country Status (2)

Country Link
US (1) US20190114633A1 (en)
SG (1) SG10201708440TA (en)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11210666B2 (en) * 2019-02-18 2021-12-28 Visa International Service Association System, method, and computer program product for updating and processing payment device transaction tokens
US20210004793A1 (en) * 2019-07-03 2021-01-07 Visa International Service Association Mobile-OTP Based Authorisation of Transactions
US10713649B1 (en) * 2019-07-09 2020-07-14 Capital One Services, Llc System and method enabling mobile near-field communication to update display on a payment card
US11756043B1 (en) * 2020-02-27 2023-09-12 United Services Automobile Association (Usaa) Payment card expiration identification and information update
MX2022011100A (en) * 2020-03-10 2023-01-11 Duckpond Tech Inc A method of securing a payment card transaction.
US20230196376A1 (en) * 2021-12-17 2023-06-22 Bank Of America Corporation Multi-Factor User Authentication

Family Cites Families (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5744787A (en) * 1994-09-25 1998-04-28 Advanced Retail Systems Ltd. System and method for retail
US6076075A (en) * 1995-09-25 2000-06-13 Cardis Enterprise International N.V. Retail unit and a payment unit for serving a customer on a purchase and method for executing the same
US20170046679A1 (en) * 2004-04-09 2017-02-16 Blackhawk Network, Inc. Systems and methods for mimicking post-paid user experience with stored-value card accounts
WO2007041709A1 (en) * 2005-10-04 2007-04-12 Basepoint Analytics Llc System and method of detecting fraud
US20090171839A1 (en) * 2007-12-28 2009-07-02 Rosano Sharon A Systems and methods for processing recurring payment transactions
US8380177B2 (en) * 2010-04-09 2013-02-19 Paydiant, Inc. Mobile phone payment processing methods and systems
US9530130B2 (en) * 2012-07-30 2016-12-27 Mastercard International Incorporated Systems and methods for correction of information in card-not-present account-on-file transactions
US9785946B2 (en) * 2013-03-07 2017-10-10 Mastercard International Incorporated Systems and methods for updating payment card expiration information
US20160117679A1 (en) * 2014-10-28 2016-04-28 Total System Services, Inc. Automated Payment Information Update With Vendors
US9256870B1 (en) * 2014-12-02 2016-02-09 Mastercard International Incorporated Methods and systems for updating expiry information of an account
US10776780B2 (en) * 2016-05-27 2020-09-15 Visa International Service Association Automated reissuance system for prepaid devices
US11068949B2 (en) * 2016-12-09 2021-07-20 365 Retail Markets, Llc Distributed and automated transaction systems
US11080677B2 (en) * 2017-10-12 2021-08-03 Visa International Service Association Computer-implemented system, method, and computer program product for automatically linking accounts in an electronic wallet

Also Published As

Publication number Publication date
US20190114633A1 (en) 2019-04-18

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