Back to results
US 8,799,067 B2Granted
System and method for a merchant debit card program including a plurality of issuers
AssigneeVisa U.S.A. Inc.
InventorsEdward Winfield Fordyce, III, Mary Pat McMahon, Jennifer Schulz
Life of this patent
Estimating the term…
Abstract
A merchant debit card program is described that includes a plurality of authorized issuers for debit card accounts. The merchant debit card program includes a merchant loyalty program that provides rewards to enrolled debit card accounts. The authorized issuers provide management of the debit card accounts including customer statements, payment authorizations and customer service. Application data for a new debit card account is transmitted from the merchant to the selected issuer by a card processing system. Enrollment data to the merchant loyalty program may also be transmitted from the merchant to an authorized issuer by the card processing system.
Claims48
A computer-implemented method for a merchant debit card program, comprising:
- storing, at a card processing system, program data for a merchant debit card program associated with a merchant, the merchant being an entity that sells products and/or services to consumers and issues debit cards to consumers, the program data including issuer data identifying a plurality of authorized issuers, the issuers being entities that issue and manage deposit accounts associated with the debit cards issued by the merchant for consumers;
- receiving, at the card processing system from a consumer via the merchant, application data including a request for a debit card account and a request for a deposit account associated with the debit card account;
- identifying, at the card processing system, from the program data stored prior to receiving the application data from the consumer, more than one of the plurality of authorized issuers for communication of the request for a deposit account associated with the debit card account;
- transmitting the request for a deposit account associated with the debit card account from the card processing system to the identified more than one authorized issuers, the request for a deposit account requesting the identified more than one authorized issuers to issue and manage a deposit account for the consumer that is associated with the debit card account and is associated with a debit card issued by the merchant to the consumer;
- receiving, from more than one of the authorized issuers which the request for a deposit account was transmitted to, a response indicating acceptance or rejection of the request for a deposit account;
- forwarding the more than one received responses to the merchant;
- and
- storing, at the card processing system, debit card account information associated with the consumer and an issuer identifier identifying at least one authorized issuer that accepted the consumer's request for a deposit account and issued a deposit account for the consumer in response to the request.
5 more elements
A card processing system, comprising:
- a proprietary network;
- a storage system;
- and
- a card processing device operable to:
- store program data for a merchant debit card program associated with a merchant, the merchant being an entity that sells products and/or services to consumers and issues debit cards to consumers, the program data including issuer data identifying a plurality of authorized issuers, the issuers being entities that issue and manage deposit accounts associated with the debit cards issued by the merchant for consumers;
- receive, from a consumer via the merchant, application data including a request for a debit card account and a request for a deposit account associated with the debit card account;
- identify, from the program data stored prior to receiving the application data from the consumer, more than one of the plurality of authorized issuers for communication of the request for a deposit account associated with the debit card account;
- transmit the request for a deposit account associated with the debit card account to the identified more than one authorized issuers, the request for a deposit account requesting the identified more than one authorized issuers to issue and manage a deposit account for the consumer that is associated with the debit card account and is associated with a debit card issued by the merchant to the consumer;
- receive, from more than one of the authorized issuers which the request for a deposit account was transmitted to, a response indicating acceptance or rejection of the request for a deposit account;
- forward the more than one received responses to the merchant;
- and
- store debit card account information associated with the consumer and an issuer identifier identifying at least one authorized issuer that accepted the consumer's request for a deposit account and issued a deposit account for the consumer in response to the request.
9 more elements
A computer-implemented method for a merchant debit card program, comprising:
- storing, at a card processing system, program data for a merchant debit card program associated with a merchant, the merchant being an entity that sells products and/or services to consumers, the program data including issuer data identifying a plurality of authorized issuers, the issuers being entities that issue deposit accounts and/or debit card accounts to consumers;
- receiving, at the card processing system from a consumer via the merchant, application data indicating a request for a deposit account and/or debit card account;
- transmitting a request for a deposit account and/or debit card account for the consumer from the card processing system to more than one of the plurality of authorized issuers identified in the stored issuer data;
- receiving, from one or more of the authorized issuers which the request for a deposit account and/or debit card account was transmitted to, a response indicating acceptance or rejection of the request;
- forwarding the one or more received responses to the merchant;
- and
- storing, at the card processing system, debit card account information associated with the consumer and an issuer identifier identifying at least one authorized issuer that accepted the consumer's request for a deposit account and/or debit card account and issued a deposit account and/or debit card account for the consumer in response to the request.
4 more elements
A card processing system, comprising:
- a proprietary network;
- a storage system;
- and
- a card processing device operable to:
- store program data for a merchant debit card program associated with a merchant, the merchant being an entity that sells products and/or services to consumers, the program data including issuer data identifying a plurality of authorized issuers, the issuers being entities that issue deposit accounts and/or debit card accounts to consumers;
- receive, from a consumer via the merchant, application data indicating a request for a deposit account and/or debit card account;
- transmit a request for a deposit account and/or debit card account for the consumer from the card processing system to more than one of the plurality of authorized issuers identified in the stored issuer data;
- receive, from one or more of the authorized issuers which the request for a deposit account and/or debit card account was transmitted to, a response indicating acceptance or rejection of the request;
- forward the one or more received responses to the merchant;
- and
- store debit card account information associated with the consumer and an issuer identifier identifying at least one authorized issuer that accepted the consumer's request for a deposit account and/or debit card account and issued a deposit account and/or debit card account for the consumer in response to the request.
8 more elements
Dependencies are inferred from the claim text.