Systems and Methods for Personalizing Payment Cards

Content Provider	The Lens
Abstract	A first communication channel is established between a contactless blank IC (integrated circuit) payment card and a mobile device. The mobile device is in proximity to the contactless blank IC payment card. A second communication channel is established, via the mobile device, between a remote personalization server computer and the contactless blank IC payment card. Payment card personalization data is received and stored in the contactless blank IC payment card. The data had been downloaded from the remote personalization server computer to the contactless blank IC payment card via the second communication channel.
Related Links	https://www.lens.org/lens/patent/010-217-463-182-673/frontpage
Language	English
Publisher Date	2019-11-21
Access Restriction	Open
Content Type	Text
Resource Type	Patent
Jurisdiction	United States of America
Date Applied	2019-05-14
Applicant	Mastercard International Inc
Application No.	201916411816
Claim	A method comprising: establishing a first communication channel between a contactless blank IC (integrated circuit card) and a mobile device that is in proximity to the contactless blank IC payment card; establishing a second communication channel, via the mobile device, between a remote personalization server computer and the contactless blank IC payment card; and receiving and storing, in the contactless blank IC payment card, payment card personalization data; said data having been downloaded from the remote personalization server computer to the contactless blank IC payment card via the second communication channe The method of claim 1 , further comprising, after the step of establishing the second communication channel and before the receiving and storing step: the contactless blank IC payment card authenticating the remote personalization server computer. The method of claim 2 , further comprising, after the step of establishing the second communication channel and before the receiving and storing step: the remote personalization server computer authenticating the contactless blank IC payment card. The method of claim 1 , wherein the second communication channel includes the first communication channe The method of claim 1 , further comprising, prior to the receiving and storing step: the mobile device transmitting a user's name to the remote personalization server computer. The method of claim 5 , wherein said payment card personalization data downloaded from the remote personalization server computer to the contactless blank IC payment card includes said user's name that was transmitted to the remote personalization server computer from the mobile device. The method of claim 5 , further comprising, prior to the receiving and storing step: the mobile device transmitting user contact information to the remote personalization server computer. The method of claim 1 , wherein the contactless blank IC payment card is also configured as a contact IC card. The method of claim 1 , wherein the contactless blank IC payment card has a payment application program stored therein prior to said establishing steps. The method of claim 1 , wherein the establishing steps and the receiving and storing step are performed at a retail store. The method of claim 1 , further comprising, during the receiving and storing step, transmitting electrical operating power from the mobile device to the contactless blank IC payment card. A method comprising: receiving, in a mobile device, from a remote personalization server computer, personalization data for personalizing a contactless blank IC (integrated circuit) payment card; and transmitting the received personalization data from the mobile device to the contactless blank IC payment card. The method of claim 12 , further comprising, after the receiving step and before the transmitting step: placing the contactless blank IC payment card in proximity to the mobile device. The method of claim 13 , wherein at least one of the receiving, placing and transmitting steps is not performed at a retail store. The method of claim 13 , wherein the contactless blank IC payment card has a payment application program stored therein prior to said placing step. The method of claim 13 , further comprising, prior to said placing step, purchasing the contactless blank IC payment card at a retail store. The method of claim 12 , wherein the contactless blank IC payment card is also configured as a contact IC card. A method comprising: scanning, by a mobile device, a barcode present on an IC payment card, the IC payment card including a magnetic stripe, the magnetic stripe having a payment token encoded thereon, the mobile device receiving said payment token by said scanning, the mobile device having a wallet application program running therein, the wallet application program having a PAN (primary account number) associated therewith, said PAN stored in the mobile device; and transmitting, by the mobile device to a remote server computer, said received payment token and said PAN for causing the remote server computer to map said received payment token to said PAN. The method of claim 18 , further comprising: purchasing the IC payment card in a retail store. The method of claim 18 , wherein the barcode is a QR (quick response) code.
CPC Classification	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
Extended Family	025-954-988-483-828 055-566-958-807-581 177-369-211-334-043 055-115-306-367-792 055-599-047-412-037 010-217-463-182-673 139-071-872-148-010 185-061-534-711-367 072-550-476-218-573 113-108-052-000-363 013-566-019-880-058 121-863-588-501-237
Patent ID	20190354959
Inventor/Author	Phillips Simon Johnson Alan
IPC	G06Q20/34 G06Q20/40
Status	Active
Owner	Mastercard International Incorporated
Simple Family	010-217-463-182-673 139-071-872-148-010 113-108-052-000-363
CPC (with Group)	G06Q20/3552 G06Q20/341 G06Q20/36 G06Q20/4097 G06Q20/352
Issuing Authority	United States Patent and Trademark Office (USPTO)
Kind	Patent Application Publication