WO2009154950A3 - Systems and methods of payment account activation - Google Patents

Systems and methods of payment account activation Download PDF

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Publication number
WO2009154950A3
WO2009154950A3 PCT/US2009/045042 US2009045042W WO2009154950A3 WO 2009154950 A3 WO2009154950 A3 WO 2009154950A3 US 2009045042 W US2009045042 W US 2009045042W WO 2009154950 A3 WO2009154950 A3 WO 2009154950A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment account
systems
methods
account activation
identifier
Prior art date
Application number
PCT/US2009/045042
Other languages
French (fr)
Other versions
WO2009154950A2 (en
Inventor
Keith A. Newbrough
Original Assignee
First Data Corporation
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 First Data Corporation filed Critical First Data Corporation
Publication of WO2009154950A2 publication Critical patent/WO2009154950A2/en
Publication of WO2009154950A3 publication Critical patent/WO2009154950A3/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
    • G06Q20/30—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
    • G06Q20/354—Card activation or deactivation
    • 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
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • 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
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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
    • G06Q20/355—Personalisation of cards for use
    • 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
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • 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
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • 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

Abstract

Systems and methods are provided for activating a payment account. The payment account is associated with two identifiers. A payment instrument is provided as having the two identifiers. A first identifier is read at a first point of sale device to activate the payment account. A second identifier is read by a radio frequency identification reader at a second point of sale device to access funds in the payment account. The first point of sale device may not be capable of reading the second identifier.
PCT/US2009/045042 2008-05-28 2009-05-22 Systems and methods of payment account activation WO2009154950A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US12/128,229 2008-05-28
US12/128,229 US7885878B2 (en) 2008-05-28 2008-05-28 Systems and methods of payment account activation

Publications (2)

Publication Number Publication Date
WO2009154950A2 WO2009154950A2 (en) 2009-12-23
WO2009154950A3 true WO2009154950A3 (en) 2010-02-25

Family

ID=41380953

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2009/045042 WO2009154950A2 (en) 2008-05-28 2009-05-22 Systems and methods of payment account activation

Country Status (2)

Country Link
US (1) US7885878B2 (en)
WO (1) WO2009154950A2 (en)

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US20100280955A1 (en) * 2009-04-30 2010-11-04 General Electric Company Systems and methods for verifying identity
WO2013001133A1 (en) * 2011-06-28 2013-01-03 Kaveh Mirfakhraei Bank-card fraud detection and prevention for bank automats
DE202012100620U1 (en) 2011-11-22 2012-06-13 Square, Inc. System for processing cardless payment transactions
US8688592B1 (en) 2013-01-08 2014-04-01 Michael T. Abramson System and method for processing transactions
US11354673B1 (en) 2014-08-06 2022-06-07 Block, Inc. Data security enhancement for online transactions involving payment card accounts
US10748130B2 (en) 2016-09-30 2020-08-18 Square, Inc. Sensor-enabled activation of payment instruments
USD954145S1 (en) 2016-11-30 2022-06-07 Block, Inc. Payment card
US11443295B2 (en) * 2018-01-17 2022-09-13 Visa International Service Association System and method for rapid activation and provisioning of an electronic payment device
USD904450S1 (en) 2018-04-27 2020-12-08 Square, Inc. Portion of a display screen with graphical user interface for option selection
US10748135B2 (en) * 2018-11-30 2020-08-18 Square, Inc. Offline onboarding of trackable transaction instrument with associated profile
US11315108B2 (en) 2018-11-30 2022-04-26 Block, Inc. Profile generation and association with multiple transaction cards contemporaneously
US11120432B2 (en) 2019-09-30 2021-09-14 Bank Of America Corporation Security tool for information exchange

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