System and method for reporting found transaction card
AssigneeMastercard International Incorporated
InventorsJoseph J. Rieker, Steven J. Schmidt
Life of this patent
Estimating the term…
Abstract
A found card notification system receives an interchange electronic advice message from a point-of-sale (POS) terminal associated with a merchant. The interchange electronic advice message includes an indicator of a misplaced transaction card, a primary account number (PAN) of the misplaced transaction card, and a merchant identifier that identifies the merchant. The system extracts the PAN from the interchange electronic advice message and identifies an issuer of the misplaced transaction card from the extracted PAN. The found card notification system transmits the interchange electronic advice message to the issuer of the misplaced transaction card in response to identifying the issuer of the misplaced transaction card.
Claims20
A found card notification system for notifying an issuer that a misplaced transaction card has been found, the system comprising:
- one or more processors;
- and
- one or more memory devices storing computer-executable instructions thereon, which when executed by the one or more processors, cause the one or more processors to:
- receive, from a point-of-sale (POS) terminal associated with a merchant, an interchange electronic advice message, the interchange electronic advice message including an indicator of a misplaced transaction card, a primary account number (PAN) of the misplaced transaction card, and a merchant identifier that identifies the merchant;
- extract the PAN from the interchange electronic advice message;
- identify an issuer of the misplaced transaction card from the extracted PAN;
- and
- in response to identifying the issuer of the misplaced transaction card, transmit the interchange electronic advice message to the issuer of the misplaced transaction card.
A computer-implemented method for notifying an issuer that a misplaced transaction card has been found, the method comprising:
- receiving, from a point-of-sale (POS) terminal associated with a merchant, an interchange electronic advice message, the interchange electronic advice message including an indicator of a misplaced transaction card, a primary account number (PAN) of the misplaced transaction card, and a merchant identifier that identifies the merchant;
- extracting the PAN from the interchange electronic advice message;
- identifying an issuer of the misplaced transaction card from the extracted PAN;
- and
- in response to identifying the issuer of the misplaced transaction card, transmitting the interchange electronic advice message to the issuer of the misplaced transaction card.
A non-transitory computer-readable storage medium having computer-executable instructions stored thereon, the computer-executable instructions, when executed by one or more processors, causing the one or more processors to:
- receive, from a point-of-sale (POS) terminal associated with a merchant, an interchange electronic advice message, the interchange electronic advice message including an indicator of a misplaced transaction card, a primary account number (PAN) of the misplaced transaction card, and a merchant identifier that identifies the merchant;
- extract the PAN from the interchange electronic advice message;
- identify an issuer of the misplaced transaction card from the extracted PAN;
- and
- in response to identifying the issuer of the misplaced transaction card, transmit the interchange electronic advice message to the issuer of the misplaced transaction card.
Dependencies are inferred from the claim text.