The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Oct. 09, 2012
Filed:
Dec. 15, 2009
Brad Michael Tomchek, St. Charles, MO (US);
Robert Donald Reany, Wildwood, MO (US);
Michael William Koch, Sandy Hook, CT (US);
Edward Cletus Seaver, Sandy Hook, CT (US);
Jonathan Robert Powell, Rye Brook, NY (US);
Brad Michael Tomchek, St. Charles, MO (US);
Robert Donald Reany, Wildwood, MO (US);
Michael William Koch, Sandy Hook, CT (US);
Edward Cletus Seaver, Sandy Hook, CT (US);
Jonathan Robert Powell, Rye Brook, NY (US);
MasterCard International Incorporated, Purchase, NY (US);
Abstract
A method and system for processing a financial transaction using an enhanced payment card through a multi-party payment card interchange network are provided. An authorization request message generated at a point of sale (POS) device associated with a merchant is received at a computer associated with the interchange network. The authorization request message includes a card identifier and relates to a transaction initiated by the cardholder with the merchant using the enhanced payment card. The transaction is electronically identified as involving the enhanced payment card by matching the received card identifier to a list of card identifiers stored within a database. A product code identifying the transaction as an enhanced payment card transaction is electronically added to the authorization request message. The merchant is instructed to transmit to the interchange computer an addendum file including enhanced transaction data for the enhanced payment card transaction.