초록 ▼

A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a payment device separate and distinct from the fob, but associated with payment account mutually shared with the fob. In exemplary operatio

A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a payment device separate and distinct from the fob, but associated with payment account mutually shared with the fob. In exemplary operation, the fob identifying information, or the payment device information, may be presented to the RFID reader for completion of a transaction request. A process server may receive the transaction request and satisfy the transaction request in accordance with a predetermined payment criteria. The process server may additionally augment a rewards account based on fob or payment device usage, thereby incenting fob usage in one instance and payment device usage in the other.

대표청구항 ▼

What is claimed: 1. A method, comprising:receiving, by a preloaded value authorization server (PLAS), transaction identifying information and payment device identifying information from an issuer account server (IAS) in response to the payment device identifying information including a marker that i

What is claimed: 1. A method, comprising:receiving, by a preloaded value authorization server (PLAS), transaction identifying information and payment device identifying information from an issuer account server (IAS) in response to the payment device identifying information including a marker that indicates a Radio Frequency (RF) payment device is associated with a preloaded value data file maintained in an issuer database, wherein the IAS receives a merchant transaction request that includes the transaction identifying information and the payment device identifying information, wherein the payment device identifying information is associated with the RF payment device, and wherein the transaction identifying information includes a transaction value;determining, at the PLAS, that the merchant transaction request complies with a risk criteria that includes a payment device usage history;authorizing the merchant transaction request at the PLAS in response to the determining that the merchant transaction request complies with the risk criteria, wherein the authorizing the merchant transaction request occurs prior to determining a value present in the preloaded value data file and prior to communicating with the issuer database, wherein the IAS transmits a transaction authorization to a merchant in response to the authorizing the merchant transaction request; andassessing the transaction value against the value present in the preloaded value data file in the issuer database, subsequent to the IAS transmitting the transaction authorization to the merchant.