# US 2021/0241283 A1 · Secure and safe method to disabling payment functionality on lost or stolen transaction cards > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2021/0241283 A1 - Document ID: US20210241283A1 - Status: Published application - Kind: A1 - Application number: 16/777,469 - Filed: 2020-01-30 - Published: 2021-08-05 - Earliest claimed: 2020-01-30 - Assignees: Mastercard International Incorporated - Applicants: Mastercard International Incorporated - Inventors: Jaipal Singh Kumawat; Gurpreet Atwal - Web page: https://patentgrep.com/patent/US20210241283A1 ## CPC - G06Q 20/3263: {characterised by activation or deactivation of payment capabilities} - G06Q 20/4093: {Monitoring of device authentication} - G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit} - G06Q 20/206: {comprising security or operator identification provisions, e.g. password entry} - G06Q 20/3574: {Multiple applications on card} - G06Q 20/4016: {involving fraud or risk level assessment in transaction processing} - 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 ## 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. ## Claims ### Claim 1 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. ### Claim 2 (depends on 1) The computer-implemented method in accordance with claim 1, said operation of receiving the payment account data from a transaction card comprising reading one of a magnetic stripe formed on the transaction card and a micromodule embedded in the transaction card. ### Claim 3 (depends on 1) The computer-implemented method in accordance with claim 1, said operation of disabling the payment function of the transaction card comprising one or more of the following: erasing the payment account data from the transaction card and overwriting the payment account data stored on the transaction card. ### Claim 4 (depends on 3) The computer-implemented method in accordance with claim 3, wherein overwriting the payment account data stored on the transaction card comprises one or more of the following: writing one or zeros to the transaction card and writing random data to the transaction card. ### Claim 5 (depends on 1) The computer-implemented method in accordance with claim 1, said operation of disabling the payment function of the transaction card comprising: determining a method used for receiving the payment account data from the transaction card, the method comprising one of the following: reading a magnetic stripe formed on the transaction card with a magnetic stripe reader/writer; reading a micromodule embedded in the transaction card via a physical connection with a chip reader; and reading the micromodule via wireless communication with a transceiver; and activating, based on the determined method, one or more disabling components configured to disable the payment function of the transaction card. ### Claim 6 (depends on 5) The computer-implemented method in accordance with claim 5, said operation of activating one or more disabling components comprising one or more of the following: punching a hole through one of the magnetic stripe and the micromodule via a punching device; positioning a magnet adjacent the magnetic stripe during a swipe operation; short-circuiting the micromodule via an electrical circuit component; cutting or shredding one of the magnetic stripe and the micromodule using a cutting device; instructing a processor to erase the payment account data; and instructing the processor to overwrite the payment account data. ### Claim 7 (depends on 1) The computer-implemented method in accordance with claim 1, said operation of receiving the payment account data from a transaction card comprising reading a magnetic stripe formed on the transaction card, said operation of disabling the payment function of the transaction card comprising: presenting a request to a user of the transaction card to swipe the transaction card a second time; detecting a second swipe of the transaction card, via a magnetic stripe reader/writer; and activating one or more of the disabling components configured to disable the payment function of the magnetic stripe. ### Claim 8 (depends on 7) The computer-implemented method in accordance with claim 7, said operation of activating one or more disabling components comprising one or more of the following: punching a hole through the magnetic stripe via a punching device; positioning a magnet adjacent the magnetic stripe during the second swipe; cutting or shredding the magnetic stripe using a cutting device; instructing a processor to erase the payment account data from the magnetic stripe via the magnetic stripe reader/writer; and instructing the processor to overwrite the payment account data via the magnetic stripe reader/writer. ### Claim 9 (depends on 1) The computer-implemented method in accordance with claim 1, further comprising: determining whether a cardholder selected to receive a notification message corresponding to a declined transaction; generating a notification message if, based on the determination, the cardholder selected to receive the notification message; and transmitting the notification message to the cardholder. ### Claim 10 (depends on 9) The computer-implemented method in accordance with claim 9, said operation of determining whether the cardholder selected to receive the notification message comprising: retrieving the account event notification data for the cardholder from a database; and analyzing the account event notification data to determine whether the account event notification data indicates that the cardholder selected to receive the notification message. ### Claim 11 (depends on 9) The computer-implemented method in accordance with claim 9, said operation of generating the notification message comprises formatting the notification message in a format that can be received by a cardholder mobile device. ### Claim 12 (depends on 11) The computer-implemented method in accordance with claim 11, said operation of transmitting the notification message to the cardholder comprises transmitting the notification message to the cardholder mobile device using a preferred method of delivery selected by the cardholder. ### Claim 13 (depends on 12) The computer-implemented method in accordance with claim 12, the preferred method of delivery includes one or more of the following: a push notification, an interactive voice response, an instant message, a short message service message, a voicemail message, an email message, and a web-based application message. ### Claim 14 (depends on 1) The computer-implemented method in accordance with claim 1, the authorization request response message comprising a message type indicator (MTI) 0110 message, wherein the status response code is a data element 39 (DE 39) response code including at least one of the following codes: 04, 41, and 43. ### Claim 15 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. ### Claim 16 (depends on 15) The point-of-sale terminal in accordance with claim 15, as part of the operation of receiving the payment account data from a transaction card, said processor being further programmed to read one of a magnetic stripe formed on the transaction card and a micromodule embedded in the transaction card. ### Claim 17 (depends on 15) The point-of-sale terminal in accordance with claim 15, as part of the operation of disabling the payment function of the transaction card, said processor being further programmed to cause one or more of said disabling components to perform one or more of the following operations: erase the payment account data from the transaction card and overwrite the payment account data stored on the transaction card. ### Claim 18 (depends on 17) The point-of-sale terminal in accordance with claim 17, as part of the operation of overwriting the payment account data stored on the transaction card, said processor being further programmed to cause one or more of said disabling components to perform one or more of the following operations: write one or zeros to the transaction card and write random data to the transaction card. ### Claim 19 (depends on 15) The point-of-sale terminal in accordance with claim 15, as part of the operation of disabling the payment function of the transaction card, said processor further programmed to: determine a method used for receiving the payment account data from the transaction card, the method comprising one of the following: reading a magnetic stripe formed on the transaction card with a magnetic stripe reader/writer; reading a micromodule embedded in the transaction card via a physical connection with a chip reader; and reading the micromodule via wireless communication with a transceiver; and activate, based on the determined method, one or more of said disabling components. ### Claim 20 (depends on 19) The point-of-sale terminal in accordance with claim 19, said one or more disabling components configured, upon activation, to: punch a hole through one of the magnetic stripe and the micromodule via a punching device; position a magnet adjacent the magnetic stripe during a swipe operation; short-circuit the micromodule via an electrical circuit component; cut or shred one of the magnetic stripe and the micromodule using a cutting device; instruct said processor to erase the payment account data; and instruct the processor to overwrite the payment account data.