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US 2015/0088735 A1Published application
Chip card deployment driven by travel itinerary method and apparatus
AssigneeMastercard International Incorporated
InventorJustin X. HOWE
Life of this patent
Estimating the term…
Abstract
A system, method, and computer-readable storage medium to issue CHIP-enabled payment cards to cardholders based on their propensity to travel to locations where the use of CHIP is dominant.
Claims20
A method comprising:
- receiving, via a network interface, payment card transaction data from a merchant bank, the transaction data including a cardholder identifier associated with a customer, addenda for the transaction data, and a vendor;
- extracting travel information from the addenda with a processor, the travel information including an anticipated location;
- matching the anticipated location, with the processor, against a database of predetermined locations where CHIP-enabled cards are used;
- and
- transmitting to an issuer a message via the network interface, the message informing the issuer of impending travel by the customer when the anticipated location matches against the database of locations where CHIP-enabled cards are used.
2 more elements
A system comprising:
- a network interface configured to receive payment card transaction data from a merchant bank, the transaction data including a cardholder identifier associated with a customer, addenda for the transaction data, and a vendor;
- a processor configured to extract travel information from the addenda, the travel information including an anticipated location, to match the anticipated location against a database of predetermined locations where CHIP-enabled cards are used;
- and
- wherein the network interface is further configured to transmit to an issuer a message, the message informing the issuer of impending travel by the customer when the anticipated location matches against the database of locations where CHIP-enabled cards are used.
1 more element
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, via a network interface, payment card transaction data from a merchant bank, the transaction data including a cardholder identifier associated with a customer, addenda for the transaction data, and a vendor;
- extract travel information from the addenda with a processor, the travel information including an anticipated location;
- match the anticipated location, with the processor, against a database of predetermined locations where CHIP-enabled cards are used;
- and
- transmit to an issuer a message via the network interface, the message informing the issuer of impending travel by the customer when the anticipated location matches against the database of locations where CHIP-enabled cards are used.
2 more elements
Dependencies are inferred from the claim text.