Financial transaction method and system having an update mechanism
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United States of America Patent
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Dec 4, 2018
Grant Date -
Jul 18, 2013
app pub date -
Sep 21, 2010
filing date -
Sep 21, 2010
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Abstract
A payment device and method and system for using the payment device is described capable of utilizing a pre-authorized amount on existing infrastructure, including POS terminals or for using offline pre-paid products on this infrastructure. The updates for the pre-authorized or offline prepaid products can be sent by the issuer and applied by the card contemporaneously with the card's processing of the issuer authentication data but without requiring any additional bytes in the issuer authentication data. The updates performed by the issuer can be larger and more extensive than could be achieved by using any available space in the issuer authentication data.
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