CN101536026B - 交易卡跨发行者注册的方法和系统 - Google Patents

交易卡跨发行者注册的方法和系统 Download PDF

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CN101536026B
CN101536026B CN2007800412885A CN200780041288A CN101536026B CN 101536026 B CN101536026 B CN 101536026B CN 2007800412885 A CN2007800412885 A CN 2007800412885A CN 200780041288 A CN200780041288 A CN 200780041288A CN 101536026 B CN101536026 B CN 101536026B
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J·F·希茨
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Abstract

本文公开了一种向交易卡的持卡人提供一种或多种交易卡服务的方法，所述方法包括从所述持卡人接收注册码，其中所述注册码与所述交易卡的发行者和所述交易卡相关联，根据所述注册码的至少一部分确定所述交易卡的所述发行者，向所述交易卡的所述发行者传送所述注册码，从所述发行者接收账户信息，其中所述账户信息与所述注册码和所述交易卡相关联，向所述持卡人显示所述账户信息的至少一部分，从所述持卡人接收对应于所述账户信息的验证值，以及如果所述验证值有效，则允许所述持卡人选择要注册的一种或多种服务。

Description

交易卡跨发行者注册的方法和系统
相关申请的引用
本申请要求2006年9月15日提交的标题为“METHOD ANDSYSTEM FOR CROSS-ISSUER REGISTRATION OFTRANSACTION CARDS”的60/825,733号美国临时申请的优先权。
背景技术
消费者通常使用诸如信用卡、借记卡等之类的交易卡进行交易。交易卡如此常见是因为这样的卡具有超越各种备选支付手段的许多优点。例如，这样的卡往往被视为比消费者携带现金更方便，因为它们更小巧而不容易丢失。另外，如果丢失了交易卡，该卡可以注销，使持卡人的损失最小。
因为携带交易卡的优点，持卡人往往保有许多卡。事实上，典型的持卡人可能有八到十张交易卡。结果，单一持卡人可能具有由同一协会，比如
Figure G2007800412885D00011
或American
Figure G2007800412885D00012
提供的多张卡。
交易卡发行者比如银行往往提供连同交易卡的若干服务。例如，发行者可以提供支付警报程序，在交易卡用于进行交易时向持卡人提供通知。其他服务可以包括持卡人控制(在该控制下对能够使用该交易卡的次级持卡人可以设置若干限制)、欺诈防护(持卡人的交易卡丢失或被窃时针对由未授权的第三方进行的交易进行防护)等。
当前，期望注册一种或多种这样的服务的持卡人必须繁琐地与每张交易卡的发行者注册这些服务。因为这样的不便，持卡人可能与一张交易卡的发行者注册了某服务而没有对同一协会提供的另一张交易卡注册，而当时持卡人是宁愿对同一协会提供的一切交易卡都注册该服务的。另外，持卡人可能不知晓或忘记了对具体的交易卡尚未获得所期望的具体服务。这可能引起持卡人的困惑。
所需的方法和系统使持卡人能够在多个发行者发行交易卡的中心地点对一张或多张交易卡注册一种或多种服务。
需要对跨一切发行者汇集持卡人信息的方法和系统。
需要的方法和系统安全地使持卡人能够注册一种或多种服务而不暴露持卡人的敏感信息，并且在没有未授权账户情况下实质地限制了交易卡错误关联的可能性。
本发明旨在解决一个或多个以上列举的问题。
发明内容
在介绍本方法之前，应当理解，本发明不限于所介绍的具体方法和协议，因为它们可以变化。也应当理解，本文所用的方法仅仅是为了介绍具体实施例的目的，并非试图限制本公开的范围，它将仅仅受限于附带的权利要求书。
必须注意，本文和附带的权利要求书中所用的单数形式“某”和“所述”包括多数引用，除非上下文明确地指示并非如此。因此，例如，对某“证书”的引用就是对本领域技术人员公知的一份或多份证书或其等效文件的引用，诸如此类。除非另外定义，否则本文所用的一切技术和科学术语具有的意义都与本领域普通技术人员通常的理解相同。尽管与本文所介绍的类似或等效的任何方法和材料都能够用于本发明的实践或测试，但是现在介绍的是优选的方法、设备和材料。本文提及的一切出版物都在此引用作为参考。本文的内容不应当解释为承认本发明没有资格早于借助于在先发明的这样的公开。
在某实施例中，向持卡人提供一种或多种服务的方法可以包括由发行者产生注册码，向持卡人发送所述注册码，从所述持卡人接收所述注册码，根据所述注册码的至少一部分确定所述发行者，向所述发行者传送所述注册码，从所述发行者接收与所述注册码相关联的账户标识符，向所述持卡人显示所述账户标识符的至少一部分，从所述持卡人接收对应于所述账户标识符的验证值，以及如果所述验证值有效，则允许所述持卡人选择一种或多种服务。
附图说明
关于以下说明和附图，本发明的各个方面、特征、益处和优点将显而易见，其中：
图1描绘了根据某实施例对多张交易卡向持卡人提供一种或多种服务的示范过程的流程图；
图2描绘了根据某实施例使注册码与消费者相关联的示范过程的流程图；
图3描绘了根据某实施例在中心网站上注册消费者的示范过程的流程图；
图4描绘了根据某实施例验证持卡人的示范过程的流程图。
具体实施方式
图1描绘了根据某实施例对多张交易卡向持卡人提供一种或多种服务的示范过程的流程图。正如图1中的描绘，发行者可以向持卡人提供105注册码。注册码可以经由发行者的在线账户管理系统和/或经由其他持卡人支持通道，比如电话、直接邮寄计划等，作为每月账目的一部分提供。注册码是对于由发行者提供的某具体服务和/或一切服务唯一分配而给持卡人的码。在某实施例中，注册码可以是字母数字码。在某实施例中，注册码不与持卡人的主账户号码(PAN)和任何其他持卡人识别信息相关。因此，敏感的持卡人信息无法从注册码确定。具体的持卡人可以为了一张或多张交易卡以及/或者从一个或多个发行者接收注册码。在某实施例中，每个交易码都可以包括发行者标识码，它唯一地标识注册码的发行者。
持卡人然后可以访问110某网站，比如交易卡协会网站。如果持卡人先前尚未访问过该网站，持卡人可以进行115一次性账户设置，方式为选择用户名、密码(或其他鉴别标记)，诸如此类。如果持卡人已经在该网站创建了账户，或者一旦持卡人完成了一次性账户设置，持卡人就可以登录120该账户。
持卡人然后可以注册125一张或多张卡，方式为输入由每个发行者为每张交易卡提供的注册码。对具体的交易卡输入了注册码后，网站可以根据注册码确定130发行者并向发行者传送135注册码。作为响应，网站可以收到140持卡人在发行者处账户的账户信息。在某实施例中，持卡人账户信息的一个或多个字段可以被屏蔽以防止显示敏感信息。在某实施例中，账户信息可能以加密格式收到140并由网站解密。另外，由发行者所提供服务的列表也可以收到并用于确定向持卡人提供哪些服务。持卡人然后选择145一种或多种服务应用到该账户。一旦持卡人完成了所述一种或多种服务的选择，该网站就可以向发行者传送150所选定的服务以便处理和注册。
图2描绘了根据某实施例使注册码与消费者相关联的示范过程的流程图。如图2所示，发行者可以选择一个或多个账户号码对其提供一种或多种服务。对于每个账户，发行者可以对该账户从PAN除去205银行标识号(BIN)。使用其余位可以创建210摘要。在优选实施例中，SHA-1散列算法用于创建这个摘要。摘要然后可以被加密215。注册码可以使用摘要产生220并与相关联的账户号码或摘要一起存储225在存储器中。注册码然后可以向交易卡持卡人提供230。
图3描绘了根据某实施例在中心网站上注册消费者的示范过程的流程图。如图3所示，持卡人可以登录305注册网站，方式为例如提供用户名、密码和/或任何其他鉴别标记。持卡人然后可以输入310发行者提供的注册码。与注册网站相关联的计算机系统可以确定315与注册码相关联的发行者并向发行者传送320注册码。发行者可以判断325注册码是否有效并确定与注册码相关联的账户。发行者然后可以向注册网站传送330相关联账户的账户信息。
图4描绘了根据某实施例验证持卡人的示范过程的流程图。如图4所示，注册网站可以从发行者接收405已截短的账户号码。发行者和已截短的账户号码然后可以向持卡人显示410。如果显示的账户号码不正确，交易可以被取消415。如果持卡人验证账户号码正确，注册网站就可以显示420对相关联交易卡的卡验证值(CVV)的请求。持卡人然后可以输入425交易卡的CVV。如果持卡人输入了不正确的CVV，交易可以取消430。否则，持卡人可以在注册网站注册435。
应当认识到，多种以上公开的和其他特征和功能，或者其替代，可以预期地组合在许多其他不同的系统或应用中。也应当认识到，本领域的技术人员随后可以作出其中多种目前未预见的或未曾预料的替代、修改、变种或改进，所公开的实施例也力图涵盖它们。

Claims (16)

1.一种对同一协会发行的交易卡提供跨发行者注册的计算机实施的方法，包括：
经由因特网服务器系统促成的网站，接收发自表示交易卡持卡人的客户端的注册码，其中所述注册码与所述交易卡及其发行者相关联；
经由所述因特网服务器系统促成的所述网站，根据所述注册码的至少一部分确定所述交易卡的所述发行者；
经由所述因特网服务器系统促成的所述网站，向所述交易卡的所述发行者传送所述注册码；
经由所述因特网服务器系统促成的所述网站，接收发自所述发行者的加密的账户信息并且对所述加密的账户信息进行解密，其中所述账户信息与所述注册码和所述交易卡相关联；
为了向表示所述交易卡持卡人的所述客户端传递并由该客户端显示，经由所述因特网服务器系统促成的所述网站传送：
所述账户信息的至少一部分；以及
在其中注册所述交易卡持卡人的一种或多种服务的说明；
经由所述因特网服务器系统促成的所述网站，接收对应于所述账户信息并且发自表示所述交易卡持卡人的所述客户端的验证值；
经由所述因特网服务器系统促成的所述网站，判断所述验证值是否有效；以及
如果所述验证值有效，则经由所述因特网服务器系统促成的所述网站，接收发自表示所述交易卡持卡人的所述客户端的要注册的所述一种或多种服务的选择，其中所选择的一种或多种服务应用于由所述发行者提供的多张所述交易卡，所述多张交易卡的每一张都是向所述交易卡持卡人发行的；
其中，从所述注册码无法确定发自所述发行者的所述账户信息；
与所述交易卡相关联的所述注册码包括由散列算法创建的摘要，所述散列算法对减去了银行标识号BIN的所述交易卡的主账户号码PAN执行；
其中，向表示所述交易卡持卡人的所述客户端传递并由该客户端显示的所述账户信息的至少一部分被屏蔽以防止其显示。
2.根据权利要求1的计算机实施的方法，其中所述注册码由每张所述交易卡的所述发行者产生。
3.根据权利要求1的计算机实施的方法，其中：
每张所述交易卡不是信用卡便是借记卡。
4.根据权利要求1的计算机实施的方法，其中所述注册码包括对应于所述交易卡的发行者的发行者码。
5.根据权利要求1的计算机实施的方法，进一步包括在接收发自表示所述交易卡持卡人的所述客户端的所述注册码之前：
经由所述因特网服务器系统促成的所述网站，接收发自表示所述交易卡持卡人的所述客户端的账户设置信息。
6.根据权利要求1的计算机实施的方法，其中所述账户信息包括账户标识符。
7.根据权利要求1的计算机实施的方法，其中所述验证值是所述交易卡验证值CVV。
8.一种对同一协会发行的交易卡提供跨发行者注册的计算机实施的方法，包括：
经由因特网服务器系统促成的网站，接收发自表示交易卡持卡人的客户端的账户设置信息；
经由所述因特网服务器系统促成的所述网站，接收发自表示交易卡持卡人的客户端的注册码，其中所述注册码：
与所述交易卡及其发行者相关联；
包括由散列算法创建的摘要，所述散列算法对减去了银行标识号BIN的所述交易卡的主账户号码PAN执行；以及
包括对应于所述交易卡的发行者的发行者码；
经由所述因特网服务器系统促成的所述网站，根据所述注册码的至少一部分确定所述交易卡的所述发行者；
经由所述因特网服务器系统促成的所述网站，向所述交易卡的所述发行者传送所述注册码；
经由所述因特网服务器系统促成的所述网站，接收发自所述发行者的加密的账户信息并且对所述加密的账户信息进行解密，其中所述账户信息：
与所述注册码和所述交易卡相关联；以及
无法从所述注册码确定；以及
包括账户标识符；
为了向表示所述交易卡持卡人的所述客户端传递并由该客户端显示，经由所述因特网服务器系统促成的所述网站传送：
所述账户信息的至少一部分；以及
在其中注册所述交易卡持卡人的一种或多种服务的说明；
经由所述因特网服务器系统促成的所述网站，接收对应于所述账户信息并且发自表示所述交易卡持卡人的所述客户端的所述交易卡的交易卡验证值CVV；
经由所述因特网服务器系统促成的所述网站，判断所述验证值是否有效；以及
如果所述验证值有效，则经由所述因特网服务器系统促成的所述网站，接收发自表示所述交易卡持卡人的所述客户端的要注册的所述一种或多种服务的选择，其中所选择的一种或多种服务应用于由所述发行者提供的多张所述交易卡，所述多张交易卡的每一张都是向所述交易卡持卡人发行的，以及应用于所述注册码也关联的每张卡；
其中，向表示所述交易卡持卡人的所述客户端传递并由该客户端显示的所述账户信息的至少一部分被屏蔽以防止其显示。
9.一种对发行者发行的交易卡提供跨发行者注册的系统，所述系统包括：
接收发自表示交易卡持卡人的客户端的注册码的因特网服务器装置，其中所述注册码与所述交易卡及其发行者相关联；
根据所述注册码的至少一部分确定所述交易卡的所述发行者的因特网服务器装置；
向所述交易卡的所述发行者传送所述注册码的因特网服务器装置；
接收发自所述发行者的加密的账户信息并且对所述加密的账户信息进行解密的因特网服务器装置，其中所述账户信息与所述注册码和所述交易卡相关联；
为了向表示所述交易卡持卡人的所述客户端传递并由该客户端显示而传送以下内容的因特网服务器装置：
所述账户信息的至少一部分；以及
在其中注册所述交易卡持卡人的一种或多种服务的说明；
接收对应于所述账户信息并且发自表示所述交易卡持卡人的所述客户端的验证值的因特网服务器装置；
判断所述验证值是否有效的因特网服务器装置；以及
如果所述验证值有效，则接收发自表示所述交易卡持卡人的所述客户端的要注册的所述一种或多种服务的选择的因特网服务器装置，所选择的一种或多种服务应用于由所述发行者发行的多张所述交易卡，所述多张交易卡的每一张都是向所述交易卡持卡人发行的；
其中，从所述注册码无法确定发自所述发行者的所述账户信息；
其中，所述账户信息包括账户标识符；
其中，通过下列步骤产生所述注册码：
提取所述账户标识符的一部分；
使用所述账户标识符的所述部分创建摘要；
加密所述摘要；以及
使用所述摘要产生所述注册码；
其中，向表示所述交易卡持卡人的所述客户端传递并由该客户端显示的所述账户信息的至少一部分被屏蔽以防止其显示。
10.根据权利要求9的系统，其中所述注册码由每张所述交易卡的所述发行者产生。
11.根据权利要求9的系统，其中所述注册码包括对应于所述交易卡的发行者的发行者码。
12.根据权利要求9的系统，进一步包括在接收发自表示所述交易卡持卡人的所述客户端的所述注册码之前，经由所述因特网服务器系统促成的所述网站，接收发自表示所述交易卡持卡人的所述客户端的账户设置信息的装置。
13.根据权利要求9的系统，其中所述验证值是所述交易卡验证值CVV。
14.根据权利要求9的系统，其中所述注册码是基于所述账户信息产生的。
15.根据权利要求9的系统，其中：
每张所述交易卡不是信用卡便是借记卡。
16.根据权利要求9的系统，其中与所述交易卡相关联的所述注册码包括在由散列算法创建的摘要中，所述散列算法对没有银行标识号BIN的所述交易卡的主账户号码PAN执行。
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