# US 10,121,131 B2 · Change on card method and apparatus

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- Number: US 10,121,131 B2
- Document ID: US10121131B2
- Status: Granted
- Kind: B2
- Application number: 13/955,525
- Filed: 2013-07-31
- Published: 2015-02-05
- Granted: 2018-11-06
- Earliest claimed: 2013-07-31
- Assignees: Mastercard International Incorporated
- Applicants: Mastercard International Incorporated
- Inventors: Stephen Suganth Raja
- Web page: https://patentgrep.com/patent/US10121131B2

## CPC

- G06Q 20/18: involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
- G06Q 20/349: {Rechargeable cards}
- G07F 5/24: with change-giving
- G07F 17/42: for ticket printing or like apparatus {, e.g. apparatus for dispensing of printed paper tickets or payment cards}
- 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
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})

## Abstract

A system, method, and computer-readable storage medium configured to enable intelligent management and implementation of travel policies, elite cardholder benefits, or vendor offers related to expenses incurred on a payment card.

## Claims

### Claim 1

A payment kiosk method comprising:
receiving from a user, via a cash/coin processing engine, a cash payment for a transaction that exceeds a purchase price of the transaction;
prompting the user, via a user interface, on whether an amount of the cash payment exceeding the purchase price is to be returned to the user as change on a payment card;
receiving, via the user interface, a first response from the user indicating that the change is to be returned to the user on a payment card;
prompting the user, via the user interface, on whether the user has a payment card that can accept the change;
receiving, via the user interface, a second response from the user indicating that the user does not have a payment card that can accept the change;
receiving, from an issuer, a unique account number for a payment card after the cash payment is received;
based on the first and second responses from the user, printing, via a card printer, the payment card with the unique account number;
electronically depositing, via a network interface, at least a portion of the change into an account associated with the payment card based on the unique account number, the payment card being unactivated at the time of deposit; and
activating the payment card with the issuer via the network interface, wherein the payment card is a substitute for the change.

### Claim 2 (depends on 1)

The method of claim 1 wherein the payment card is a stored-value card, credit card, debit card, automatic teller machine (ATM) card, charge card, electronic wallet, Radio Frequency Identifier (RFID) device, cloud-based payment device, mobile phone, or Near Field Communication (NFC) enabled device.

### Claim 3 (depends on 1)

The method of claim 1 further comprising:
receiving customer information from the user via the user interface, including a customer name.

### Claim 4 (depends on 3)

The method of claim 3 wherein activating the payment card includes providing the customer information to the issuer of the payment card.

### Claim 5 (depends on 3)

The method of claim 3 further comprising:
printing the customer name onto the payment card.

### Claim 6 (depends on 1)

The method of claim 1 further comprising:
prompting the user, via the user interface, for a choice to: receive the amount of the cash payment exceeding the purchase price as cash, or as the deposit to the account associated with the payment card.

### Claim 7

A point of sale apparatus comprising:
a cash/coin processing engine configured to receive a cash payment for a transaction that exceeds a purchase price of the transaction;
a user interface configured to:
prompt a user on whether an amount of the cash payment exceeding the purchase price is to be returned to the user as change on a payment card;
receive a first response from the user indicating that the change is to be returned to the user on a payment card;
prompt the user on whether the user has a payment card that can accept the change; and
receive a second response from the user indicating that the user does not have a payment card that can accept the change;
a card printer configured to print a payment card with a unique account number for the user in response to receiving the first and second responses from the user;
a network interface configured to:
receive, from an issuer, the unique account number for the payment card after the cash payment is received;
electronically deposit at least a portion of the change into an account associated with the payment card based on the unique account number, the payment card being unactivated at the time of deposit; and
activate the payment card, wherein the payment card is a substitute for the change.

### Claim 8 (depends on 7)

The apparatus of claim 7 wherein the payment card is a stored-value card, credit card, debit card, automatic teller machine (ATM) card, charge card, electronic wallet, Radio Frequency Identifier (RFID) device, cloud-based payment device, mobile phone, or Near Field Communication (NFC) enabled device.

### Claim 9 (depends on 7)

The apparatus of claim 7 wherein the user interface is configured to receive customer information from the user, including a customer name.

### Claim 10 (depends on 9)

The apparatus of claim 9 wherein activating the payment card includes providing the customer information to the issuer of the payment card.

### Claim 11 (depends on 9)

The apparatus of claim 9 wherein the card printer is configured to print the customer name onto the payment card at the point of sale apparatus.

### Claim 12 (depends on 7)

The apparatus of claim 7 wherein the user interface is configured to prompt the user for a choice to: receive the amount of the cash payment exceeding the purchase price as cash, or as the deposit to the account associated with the payment card.

### Claim 13

A non-transitory computer readable medium encoded with data and instructions, when executed by a computing device the instructions causing the computing device to:
receive from a user, via a cash/coin processing engine, a cash payment for a transaction that exceeds a purchase price of the transaction;
prompt the user, via a user interface, on whether an amount of the cash payment exceeding the purchase price is to be returned to the user as change on a payment card;
receive, via the user interface, a first response from the user indicating that the change is to be returned to the user on a payment card;
prompt the user, via the user interface, on whether the user has a payment card that can accept the change;
receive, via the user interface, a second response from the user indicating that the user does not have a payment card that can accept the change;
receive, from an issuer, a unique account number for a payment card after the cash payment is received;
based on the first and second responses from the user, print, via a card printer, the payment card with the unique account number;
electronically deposit, via a network interface, at least a portion of the change into an account associated with the payment card based on the unique account number, the payment card being unactivated at the time of deposit; and
activate the payment card with the issuer via the network interface, wherein the payment card is a substitute for the change.

### Claim 14 (depends on 13)

The computer readable medium of claim 13 wherein the payment card is a stored-value card, credit card, debit card, automatic teller machine (ATM) card, charge card, electronic wallet, Radio Frequency Identifier (RFID) device, cloud-based payment device, mobile phone, or Near Field Communication (NFC) enabled device.

### Claim 15 (depends on 13)

The computer readable medium of claim 13, the instructions further causing the computing device to:
receive customer information from the user via the user interface, including a customer name.

### Claim 16 (depends on 15)

The computer readable medium of claim 15 wherein activating the payment card includes providing the customer information to the issuer of the payment card.

### Claim 17 (depends on 15)

The computer readable medium of claim 15, the instructions further causing the computing device to:
print the customer name onto the payment card with a card printer at the kiosk.

### Claim 18 (depends on 1)

The computer readable medium of claim 1 the instructions further causing the computing device to:
prompt the user, via the user interface, for a choice to: receive the amount of the cash payment exceeding the purchase price as cash, or as the deposit to the account associated with the payment card.