Mastercard International Incorporated

Sachin Shrivastava

Arunmurthy Gurunathan

Ravi Pareek

Ajitesh Pandey

The present invention provides an adaptive payment card system and process for providing a customer (referred to herein as a 'cardholder') with a payment card (referred to herein as an 'adaptive' payment card) that is issued by an issuing financial institution (an &#x201c;issuer&#x201d;), and linked to a card entity (such as MasterCard), where the product associated with the adaptive payment card can be changed without modification to the corresponding payment card and without requiring issuance of a new payment card.

Adaptive payment card system and process

Described is a payment vehicle for use in initiating a transaction. The payment vehicle includes a body and an image applied to the body. The image includes encrypted data that is readable by an electronic reader to ascertain account details of a payment vehicle user, thereby to initiate the transaction. The image is also visually comparable to the user, or to information produced by the user, to confirm the user's identity.

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Pune, India

Sachin Shrivastava