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1. WO2011028477 - RETURN PAYMENT CARD PROCESS

Publication Number WO/2011/028477
Publication Date 10.03.2011
International Application No. PCT/US2010/046335
International Filing Date 23.08.2010
IPC
G06Q 40/00 2006.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
G06Q 20/00 2006.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
CPC
G06Q 10/0837
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
10Administration; Management
08Logistics, e.g. warehousing, loading, distribution or shipping; Inventory or stock management, e.g. order filling, procurement or balancing against orders
083Shipping
0837Return transactions
G06Q 10/10
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
10Administration; Management
10Office automation, e.g. computer aided management of electronic mail or groupware
G06Q 40/02
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
G06Q 40/12
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
12Accounting
Applicants
  • VISA INTERNATIONAL SERVICE ASSOCIATION [US]/[US] (AllExceptUS)
  • VASTEN, Brett [US]/[US] (UsOnly)
Inventors
  • VASTEN, Brett
Agents
  • HALL, David, A.
Priority Data
12/690,25420.01.2010US
61/237,17926.08.2009US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) RETURN PAYMENT CARD PROCESS
(FR) PROCÉDÉ DE RETOUR DE CARTE DE PAIEMENT
Abstract
(EN)
A payment card returned as undeliverable is processed with a card administration system that responds to the return of the payment card by setting a "returned" indicator in a data record of a cardholder to whom the payment card was intended for delivery, and otherwise maintains the cardholder's account without change. A card handling system initiates destruction of the returned payment card and provides a replacement payment card to the cardholder if updated profile information of the cardholder is received within a predetermined time period, and closes the cardholder account and returns any funds in the cardholder account if no updated profile information of the cardholder is received within the predetermined time period.
(FR)
L'invention concerne une carte de paiement retournée comme étant non remise, qui est traitée avec un système d'administration de carte qui répond au retour de la carte de paiement en établissant un indicateur « de retour » dans un fichier de données d'un détenteur de carte à qui la carte de paiement devait être remise, et par ailleurs ne modifie pas le compte du détenteur de carte. Un système de traitement de carte lance la destruction de la carte de paiement retournée et fournit une carte de paiement de remplacement au détenteur de la carte si les informations de profil mises à jour du détenteur de carte sont reçues dans un laps de temps prédéterminé, et ferme le compte du détenteur de carte et renvoie les fonds du compte du détenteur de carte si aucune information de profil mise à jour du détenteur de carte n'est reçue dans un laps de temps prédéterminé.
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