SYSTEM AND METHOD OF PROVIDING MULTINATIONAL CARD PROGRAMS
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United States of America Patent
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Issued Date -
Oct 15, 2015
app pub date -
Apr 9, 2014
filing date -
Apr 9, 2014
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Abstract
A method for facilitating a transaction includes: storing card association data entries, each including at least a card association number (ICA), a country associated with the ICA, and a plurality of bank identification numbers (BINs) associated with the ICA; receiving a number request originating from a first country and identifying a second country; identifying a specific data entry where the included country corresponds to the second country; identifying a subset of BINs of the plurality associated with the ICA in the specific data entry; transmitting the identified subset of BINs; receiving an authorization request for a financial transaction originating from the second country and including at least a payment card number, the number being associated with a BIN included in the subset of BINs; processing the financial transaction as a local transaction and not a cross-border transaction; and transmitting an authorization response indicating approval or denial of the financial transaction.
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