US 2021/0241283 A1 · SECURE AND SAFE METHOD TO DISABLING PAYMENT FUNCTIONALITY ON LOST OR STOLEN TRANSACTION CARDS

Abstract

The disclosure includes systems and methods for disabling a payment function of a transaction card. The system receives payment account data from a transaction card and transmits a payment authorization request message to a card issuer associated with the transaction card. The system receives, from the card issuer, an authorization request response message. The authorization request response message declines the transaction and includes a status response code corresponding to a status of the transaction card. The system determines whether the status response code indicates that the transaction card is to be captured, and if so, disables the payment function of the transaction card via activation of a disabling system.

Claims20

Dependent claims

A computer-implemented method for disabling a payment function of a transaction card, said method comprising the operations of:

receiving payment account data from a transaction card;
transmitting a payment authorization request message to a card issuer associated with the transaction card;
receiving an authorization request response message from the card issuer, the authorization request response message declining the transaction and including a status response code corresponding to a status of the transaction card;
determining whether the status response code indicates that the transaction card is to be captured;
and
based on a determination that the transaction card is to be captured, disabling the payment function of the transaction card via activation of a disabling system.

3 more elements

A point-of-sale terminal for disabling a payment function of a transaction card, said system comprising:

a disabling system comprising one or more disabling components configured to disable the payment function of the transaction card;
and
a processor coupled to said disabling system, said processor programmed to:
receive payment account data from a transaction card;
transmit a payment authorization request message to a card issuer associated with the transaction card;
receive an authorization request response message from the card issuer, the authorization request response message declining the transaction and including a status response code corresponding to a status of the transaction card;
determine whether the status response code indicates that the transaction card is to be captured;
and
based on a determination the transaction card is to be captured, disable the payment function of the transaction card using one or more of said disabling components.

6 more elements

Dependencies are inferred from the claim text.

Secure and safe method to disabling payment functionality on lost or stolen transaction cards

Life of this patent

Secure and safe method to disabling payment functionality on lost or stolen transaction cards

Life of this patent

Abstract

Claims20