Method and system using a bitmap for passing contactless payment card transaction variables in standardized data formats

US8439271B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Patrik Smets · Nijlen, BE
• Eddy Lodewijk Hortensia Van De Velde · Leuven, BE

Key dates

• Filing date: Jan 10, 2011
• Grant date: May 14, 2013
• Expiry date: Apr 2, 2031

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04M17/026
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

An electronic payment system is configured to process both proximity payment card type and magnetic stripe card type transactions. The magnetic stripe card transaction data is communicated between cards, readers, and transactions authorizing or approving parties in common industry ISO 7811 standard data structures or tracks. The proximity payment card transaction data such a dynamic authentication codes are placed in unused space in the same standard formatted data structures. The availability of unused space varies with card issuer or vendor. An issuer-specific bitmap provides an index to the available space in discretionary data fields in magnetic stripe tracks. The bitmap also is stored in the card's discretionary data field.