WO2003060794A1 - Method and system for conducting transactions using a payment card with account information encoded in bar code - Google Patents

Method and system for conducting transactions using a payment card with account information encoded in bar code Download PDF

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Publication number
WO2003060794A1
WO2003060794A1 PCT/US2003/000143 US0300143W WO03060794A1 WO 2003060794 A1 WO2003060794 A1 WO 2003060794A1 US 0300143 W US0300143 W US 0300143W WO 03060794 A1 WO03060794 A1 WO 03060794A1
Authority
WO
WIPO (PCT)
Prior art keywords
account information
payment
bar code
code reader
reader
Prior art date
Application number
PCT/US2003/000143
Other languages
French (fr)
Inventor
John Wankmueller
Original Assignee
Mastercard International Incorporated
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
Priority claimed from US10/302,976 external-priority patent/US6857566B2/en
Application filed by Mastercard International Incorporated filed Critical Mastercard International Incorporated
Priority to AU2003219650A priority Critical patent/AU2003219650A1/en
Publication of WO2003060794A1 publication Critical patent/WO2003060794A1/en

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
    • G07F7/10—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
    • 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
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • 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
    • G06Q20/342—Cards defining paid or billed services or quantities
    • 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
    • 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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Definitions

  • This invention relates to a method and system for conducting financial transactions using payment cards having account information stored therein in a bar code.
  • payment cards - such as credit, debit, and prepaid cards - are ubiquitous methods of payment.
  • the term "payment card” includes not only payment cards in ISO 7810 ID-1 form factor, but also any other form factors that may hold payment account information, such as mobile phones, personal digital assistants (PDAs), and key fobs.
  • Most payment cards in use today use a magnetic stripe on the card to store payment account information for authorizing a transaction.
  • the payment card is swiped through a card reader that reads the account information from the magnetic stripe on the card.
  • a drawback associated with the use of a magnetic stripe payment card is that it may be relatively time consuming and/or difficult to handle for certain applications. For example, when a consumer desires to pay for gasoline at the pump, the consumer typically wishes to conduct a fast transaction. The fact that a consumer must align the magnetic stripe on the payment card in the correct orientation for a card reader and swipe the payment card in a certain direction with a certain velocity means that a consumer must often fumble with the card to align it properly and may need to swipe the card more than once before the card reader is able to properly read it. i this situation, therefore, a conventional payment card may not be as fast and/or convenient a payment mechanism as a consumer might desire. The same also applies to purchases of fast food at fast food restaurants and convenience items at convenience stores.
  • the SPEEDPASS device uses a radio frequency (RF) transmitter that transmits an identification code to an RF receiver installed either at the gas pump or at a payment register.
  • RF radio frequency
  • a user waves the device in close proximity to the RF receiver at the pump or register and waits for a light to indicate that the RF receiver has received and processed the identification code.
  • the drawback with RF payment devices is the possibility of unauthorized reading of the identification information from these devices. That is, a person may utilize a concealed or camouflaged RF reader to steal the identification information from a user's RF payment device and use the stolen information to later conduct fraudulent transactions. To avoid unauthorized reading of the identification information, the information may be transmitted in encrypted form. Secure encryption, however, can be complicated and/or expensive, especially if a global deployment and global acceptance of payment cards is desired.
  • SPEEDPASS device is only usable in a closed loop acceptance system (i.e., it is only usable at Mobil- supported terminals). It does not have the global acceptance of a payment card usable within a global payment network, such as the BANKNET network operated by MasterCard International Incorporated. Therefore, there exists a need for a payment device and mechanism that is quick, easy, fast and secure and globally interoperable.
  • a system for conducting a financial transaction which includes payment cards having stored account information in bar-coded format. Terminals are equipped with at least one optical bar code reader for reading said account information in bar-coded format and for utilizing the account information for processing over a payment network and authorizing the financial transaction.
  • the optical bar code reader formats the optically read account information into conventional track data for processing over said payment network.
  • the optical bar code reader is omnidirectional so that the payment cards need not be aligned in any specific orientation with regard to the reader.
  • a system which includes a payment device and mechanism which is quick, easy, fast and secure, and globally interoperable.
  • Fig. 1 is a diagram of a payment card according to an exemplary embodiment of the present invention.
  • a payment device includes payment account information that is stored in a bar code format.
  • Fig. 1 is a diagram of a payment card according to a preferred embodiment of the present invention. As shown in Fig. 1, the present invention utilizes a payment card 10 with a bar code 20 thereon. The bar code may be graphically printed, imprinted or placed on the card in any manner known in the art. The bar code is encoded with the payment account information, including the BLN used to identify the issuer.
  • a BIN bank identification number
  • a BIN bank identification number
  • a BIN bank identification number
  • a BIN is a unique series of numbers that identifies the issuer of a card and which is used to route authorization request messages over existing payment card networks, such as the BANKNET network from MasterCard International Incorporated.
  • the bar code includes the "Track 2" data typically found on the magnetic stripe of conventional payment cards.
  • the Track 2 data is in BCD format and contains 40 BCD characters consisting of 1) a start sentinel (1 BCD character); 2) a PAN (of up to 19 BCD characters); 3) a field separator (1 BCD character); 4) an Expiry Date (4 BCD characters), 5) a Service Code (3 BCD characters); 6) discretionary data (the length of which is dependent on the length of the PAN); 7) end sentinel (1 BCD character); and 8) longitudinal redundancy check (LRC) (1 BCD character).
  • the length of the discretionary data field is dependent on the length of the PAN.
  • POS point-of-sale
  • the bar code reader used is an omnidirectional bar code reader so that the payment card/device of the present invention need not be aligned in any specific orientation with regard to the reader. Since payment account digits are communicated via the bar code, this payment card/device would not suffer from the same potential for theft of information as an RF-only payment device.

Abstract

A system for conducting financial transactions is provided having payment cards (10) having stored account information in bar-coded format (20), and terminals each equipped with at least one optical bar code reader for reading the account information in bar-coded format (20), the terminal utilizing the account information for processing over a payment network and authorizing the financial transaction.

Description

METHOD AND SYSTEM FOR CONDUCTING TRANSACTIONS USING A PAYMENT CARD WITH ACCOUNT INFORMATION ENCODED IN BARCODE
of which the following is a
SPECIFICATION
PRIORITY APPLICATION This application is based on United States provisional application 60/346,206 filed on January 4, 2002, entitled "Method and System for Conducting Transactions Using a Payment Card With Account Information Encoded h Bar Code," which is hereby incorporated by reference.
This application further claims priority to United States application serial number 10/302,976, filed on November 25, 2002, entitled "Method and System for Conducting Transactions Using a Payment Card With Two Technologies," which is hereby incorporated by reference.
BACKGROUND OF THE INVENTION This invention relates to a method and system for conducting financial transactions using payment cards having account information stored therein in a bar code.
In today's marketplace, payment cards - such as credit, debit, and prepaid cards - are ubiquitous methods of payment. , As used in this application, the term "payment card" includes not only payment cards in ISO 7810 ID-1 form factor, but also any other form factors that may hold payment account information, such as mobile phones, personal digital assistants (PDAs), and key fobs.
Most payment cards in use today use a magnetic stripe on the card to store payment account information for authorizing a transaction. Typically, to authorize a payment, the payment card is swiped through a card reader that reads the account information from the magnetic stripe on the card.
A drawback associated with the use of a magnetic stripe payment card is that it may be relatively time consuming and/or difficult to handle for certain applications. For example, when a consumer desires to pay for gasoline at the pump, the consumer typically wishes to conduct a fast transaction. The fact that a consumer must align the magnetic stripe on the payment card in the correct orientation for a card reader and swipe the payment card in a certain direction with a certain velocity means that a consumer must often fumble with the card to align it properly and may need to swipe the card more than once before the card reader is able to properly read it. i this situation, therefore, a conventional payment card may not be as fast and/or convenient a payment mechanism as a consumer might desire. The same also applies to purchases of fast food at fast food restaurants and convenience items at convenience stores. To overcome the lack of speed and/or handling convenience of payment cards in the situations mentioned above, some companies have introduced other methods of payment. For example, the Exxon Mobil Oil Company has introduced the SPEEDPASS device. The SPEEDPASS device uses a radio frequency (RF) transmitter that transmits an identification code to an RF receiver installed either at the gas pump or at a payment register. To use the SPEEDPASS device, a user waves the device in close proximity to the RF receiver at the pump or register and waits for a light to indicate that the RF receiver has received and processed the identification code.
While convenient, the drawback with RF payment devices is the possibility of unauthorized reading of the identification information from these devices. That is, a person may utilize a concealed or camouflaged RF reader to steal the identification information from a user's RF payment device and use the stolen information to later conduct fraudulent transactions. To avoid unauthorized reading of the identification information, the information may be transmitted in encrypted form. Secure encryption, however, can be complicated and/or expensive, especially if a global deployment and global acceptance of payment cards is desired.
In addition, another drawback to the SPEEDPASS device is that it is only usable in a closed loop acceptance system (i.e., it is only usable at Mobil- supported terminals). It does not have the global acceptance of a payment card usable within a global payment network, such as the BANKNET network operated by MasterCard International Incorporated. Therefore, there exists a need for a payment device and mechanism that is quick, easy, fast and secure and globally interoperable.
SUMMARY OF THE INVENTION According to the presently claimed invention, a system for conducting a financial transaction is provided, which includes payment cards having stored account information in bar-coded format. Terminals are equipped with at least one optical bar code reader for reading said account information in bar-coded format and for utilizing the account information for processing over a payment network and authorizing the financial transaction.
Preferably, the optical bar code reader formats the optically read account information into conventional track data for processing over said payment network.
Preferably, the optical bar code reader is omnidirectional so that the payment cards need not be aligned in any specific orientation with regard to the reader.
Advantageously, a system is provided which includes a payment device and mechanism which is quick, easy, fast and secure, and globally interoperable.
BRIEF DESCRIPTION OF THE DRAWINGS
Exemplary embodiments of the present invention will now be described in detail with reference to the accompanying drawings in which:
Fig. 1 is a diagram of a payment card according to an exemplary embodiment of the present invention.
DETAILED DESCRIPTION OF THE INVENTION The present invention is directed to a payment device and method that provides a quick, easy, fast and secure way to pay for transactions. According to the presently claimed invention, a payment device includes payment account information that is stored in a bar code format. Fig. 1 is a diagram of a payment card according to a preferred embodiment of the present invention. As shown in Fig. 1, the present invention utilizes a payment card 10 with a bar code 20 thereon. The bar code may be graphically printed, imprinted or placed on the card in any manner known in the art. The bar code is encoded with the payment account information, including the BLN used to identify the issuer. A BIN (bank identification number) is a unique series of numbers that identifies the issuer of a card and which is used to route authorization request messages over existing payment card networks, such as the BANKNET network from MasterCard International Incorporated.
Preferably, the bar code includes the "Track 2" data typically found on the magnetic stripe of conventional payment cards. The Track 2 data is in BCD format and contains 40 BCD characters consisting of 1) a start sentinel (1 BCD character); 2) a PAN (of up to 19 BCD characters); 3) a field separator (1 BCD character); 4) an Expiry Date (4 BCD characters), 5) a Service Code (3 BCD characters); 6) discretionary data (the length of which is dependent on the length of the PAN); 7) end sentinel (1 BCD character); and 8) longitudinal redundancy check (LRC) (1 BCD character). The length of the discretionary data field is dependent on the length of the PAN. For a standard 16-digit payment account number, there are 13 digits available for the discretionary data. Of course, while Track 2 is preferred, other data tracks on the magnetic stripe may also be used with the present invention. To use a payment card according to the present invention, a conventional point-of-sale (POS) or other payment terminal may be equipped with an optical bar code reader that reads the bar code on the payment card. The information read from the card is formatted in the reader (if necessary) into regular track data and processed in the same manner as a conventional payment card over existing payment networks. Preferably, the bar code reader used is an omnidirectional bar code reader so that the payment card/device of the present invention need not be aligned in any specific orientation with regard to the reader. Since payment account digits are communicated via the bar code, this payment card/device would not suffer from the same potential for theft of information as an RF-only payment device.
Although the present invention has been described with reference to certain preferred embodiments, various modifications, alterations, and substitutions will be known or obvious to those skilled in the art without departing from the spirit and scope of the invention. For example, while one bar code is shown in the preferred embodiment of Fig. 1, it is understood that multiple bar codes may be used with the present invention and that account information may be distributed over these multiple bar codes.

Claims

I CLAIM:
1. A system for conducting financial transactions comprising: payment cards having stored account information in bar-coded format; and terminals equipped with at least one optical bar code reader for reading said account information in bar-coded format, said terminals utilizing said account information for processing over a payment network and obtaining authorization of said financial transaction.
2. The system of claim 1, wherein said optical bar code reader formats said optically read account information into conventional track data for said processing over said payment network.
3. The system of claim 2, wherein said optical bar code reader is omnidirectional so that said payment cards need not be aligned in any specific orientation with regard to the reader.
4. A method for conducting financial transactions comprising: providing payment cards having stored account information in bar- coded format; and providing terminals equipped with at least one optical bar code reader for reading said account information in bar-coded format, said terminals utilizing said account information for processing over a payment network and obtaining authorization of said financial transaction.
5. The method of claim 4, further comprising the step of formatting said optically read account information into conventional track data for said processing over said payment network.
6. The method of claim 5, wherein said optical bar code reader is omnidirectional so that said payment cards need not be aligned in any specific orientation with regard to the reader.
PCT/US2003/000143 2002-01-04 2003-01-03 Method and system for conducting transactions using a payment card with account information encoded in bar code WO2003060794A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2003219650A AU2003219650A1 (en) 2002-01-04 2003-01-03 Method and system for conducting transactions using a payment card with account information encoded in bar code

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US34620602P 2002-01-04 2002-01-04
US607346,206 2002-01-04
US10/302,976 US6857566B2 (en) 2001-12-06 2002-11-25 Method and system for conducting transactions using a payment card with two technologies
US10/302,976 2002-11-25

Publications (1)

Publication Number Publication Date
WO2003060794A1 true WO2003060794A1 (en) 2003-07-24

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WO (1) WO2003060794A1 (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10121140B2 (en) 2004-04-15 2018-11-06 Hand Held Products, Inc. Proximity transaction apparatus and methods of use thereof

Citations (7)

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WO1992016913A1 (en) * 1991-03-20 1992-10-01 The Security Systems Consortium Limited Securing financial transactions
US5225977A (en) * 1991-03-18 1993-07-06 Hooper John B Card payment system for service dispensing devices
US5466919A (en) * 1993-04-02 1995-11-14 Hovakimian; Henry Credit/charge card system enabling purchasers to contribute to selected charities
US5511114A (en) * 1994-06-06 1996-04-23 Call Processing, Inc. Telephone pre-paid calling card system and method
US5880452A (en) * 1990-11-15 1999-03-09 Geo Labs, Inc. Laser based PCMCIA data collection system with automatic triggering for portable applications and method of use
US6112981A (en) * 1997-02-25 2000-09-05 Dresser Industries, Inc. Bar code reader for a fuel dispenser
JP2001076117A (en) * 1999-08-31 2001-03-23 Toppan Forms Co Ltd Advantageous card

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5880452A (en) * 1990-11-15 1999-03-09 Geo Labs, Inc. Laser based PCMCIA data collection system with automatic triggering for portable applications and method of use
US5225977A (en) * 1991-03-18 1993-07-06 Hooper John B Card payment system for service dispensing devices
WO1992016913A1 (en) * 1991-03-20 1992-10-01 The Security Systems Consortium Limited Securing financial transactions
US5466919A (en) * 1993-04-02 1995-11-14 Hovakimian; Henry Credit/charge card system enabling purchasers to contribute to selected charities
US5511114A (en) * 1994-06-06 1996-04-23 Call Processing, Inc. Telephone pre-paid calling card system and method
US6112981A (en) * 1997-02-25 2000-09-05 Dresser Industries, Inc. Bar code reader for a fuel dispenser
JP2001076117A (en) * 1999-08-31 2001-03-23 Toppan Forms Co Ltd Advantageous card

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10121140B2 (en) 2004-04-15 2018-11-06 Hand Held Products, Inc. Proximity transaction apparatus and methods of use thereof

Also Published As

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