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SG10201705221TA - Adaptive payment card system and process - Google Patents

Adaptive payment card system and process

Info

Publication number
SG10201705221TA
SG10201705221TA SG10201705221TA SG10201705221TA SG10201705221TA SG 10201705221T A SG10201705221T A SG 10201705221TA SG 10201705221T A SG10201705221T A SG 10201705221TA SG 10201705221T A SG10201705221T A SG 10201705221TA SG 10201705221T A SG10201705221T A SG 10201705221TA
Authority
SG
Singapore
Prior art keywords
payment card
adaptive
card system
adaptive payment
referred
Prior art date
Application number
SG10201705221TA
Inventor
Shrivastava Sachin
Pandey Ajitesh
Original Assignee
Mastercard International Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Priority to SG10201705221TA priority Critical patent/SG10201705221TA/en
Priority to PCT/US2018/032620 priority patent/WO2018236486A1/en
Priority to US15/980,370 priority patent/US11023948B2/en
Publication of SG10201705221TA publication Critical patent/SG10201705221TA/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0631—Item recommendations
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0201—Market modelling; Market analysis; Collecting market data

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Data Mining & Analysis (AREA)
  • Game Theory and Decision Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

ADAPTIVE PAYMENT CARD SYSTEM AND PROCESS The present invention provides an adaptive payment card system and process for providing 5 a customer (referred to herein as a “cardholder”) with a payment card (referred to herein as an “adaptive” payment card) that is issued by an issuing financial institution (an “issuer”), and linked to a card entity (such as MasterCard), where the product associated with the adaptive payment card can be changed without modification to the corresponding payment card and without requiring issuance of a new payment card. 10 Figure 1
SG10201705221TA 2017-06-23 2017-06-23 Adaptive payment card system and process SG10201705221TA (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
SG10201705221TA SG10201705221TA (en) 2017-06-23 2017-06-23 Adaptive payment card system and process
PCT/US2018/032620 WO2018236486A1 (en) 2017-06-23 2018-05-15 Adaptive payment card system and process
US15/980,370 US11023948B2 (en) 2017-06-23 2018-05-15 Adaptive payment card system and process

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
SG10201705221TA SG10201705221TA (en) 2017-06-23 2017-06-23 Adaptive payment card system and process

Publications (1)

Publication Number Publication Date
SG10201705221TA true SG10201705221TA (en) 2019-01-30

Family

ID=62749150

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201705221TA SG10201705221TA (en) 2017-06-23 2017-06-23 Adaptive payment card system and process

Country Status (3)

Country Link
US (1) US11023948B2 (en)
SG (1) SG10201705221TA (en)
WO (1) WO2018236486A1 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10999416B1 (en) * 2020-12-09 2021-05-04 Coupang Corp. Systems and methods for recurrent and adaptive electronic notifications
US11803898B2 (en) 2021-08-25 2023-10-31 Bank Of America Corporation Account establishment and transaction management using biometrics and intelligent recommendation engine

Family Cites Families (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6684195B1 (en) 1989-05-01 2004-01-27 Catalina Marketing International, Inc. Method and system for selective incentive point-of-sale marketing in response to customer shopping histories
US6672505B1 (en) 2000-09-27 2004-01-06 Diebold, Incorporated Automated banking machine configuration system and method
US7200619B2 (en) * 2002-05-31 2007-04-03 International Business Machines Corporation Method and process to optimize correlation of replicated with extracted data from disparate data sources
US20050055296A1 (en) * 2003-09-08 2005-03-10 Michael Hattersley Method and system for underwriting and servicing financial accounts
US8762263B2 (en) 2005-09-06 2014-06-24 Visa U.S.A. Inc. System and method for secured account numbers in proximity devices
US8812351B2 (en) 2006-10-05 2014-08-19 Richard Zollino Method of analyzing credit card transaction data
US9953313B2 (en) 2008-05-09 2018-04-24 Verient, Inc. System and method for distributed payment products
US20140136353A1 (en) * 2012-11-15 2014-05-15 Wallaby Financial Inc. System and method for optimizing card usage in a payment transaction
US10380583B1 (en) * 2012-12-17 2019-08-13 Wells Fargo Bank, N.A. System and method for interoperable mobile wallet
WO2015009427A1 (en) 2013-07-15 2015-01-22 Wallaby Financial Inc. System and method for optimizing card usage in a payment transaction
WO2015048338A1 (en) * 2013-09-26 2015-04-02 Publicover Mark W Providing targeted content based on a user's moral values
US20150142657A1 (en) * 2013-11-21 2015-05-21 Mastercard International Incorporated Linking physical card to virtual card account method and apparatus
GB2529858A (en) * 2014-09-04 2016-03-09 Mastercard International Inc Method and system for facilitating a transaction
US20170024724A1 (en) * 2015-07-24 2017-01-26 Sk Planet Co., Ltd. System for recommending optimal card, apparatus for recommending optimal card and method for the same
US10467613B2 (en) * 2015-08-13 2019-11-05 Lg Electronics Inc. Mobile terminal
JP6621181B2 (en) * 2016-06-03 2019-12-18 ヘルプル ホールディングス インクｈｅｌｐｌｅ ｈｏｌｄｉｎｇｓ Ｉｎｃ． Information system, card device, terminal device, server device, credit card information processing device, support method, information processing method, credit card information processing method, and program
US10671983B2 (en) * 2016-11-02 2020-06-02 Mastercard International Incorporated Computer message routing and processing system and method

Also Published As

Publication number Publication date
WO2018236486A1 (en) 2018-12-27
US20180374139A1 (en) 2018-12-27
US11023948B2 (en) 2021-06-01

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