System and method for processing card fees. RU patent 2518983.

FIELD: physics, computer engineering.

SUBSTANCE: invention relates to processing systems for issuance of cards with fee options applicable to a group of fee types. The processing system includes a processing module, a secure card network, an issuer fee database and card account database. The card issuance database is operable to store a fee record associated with a card, wherein the fee record includes the fee options configured to apply to the group of fee types. The card account database contains card account records for the card, wherein the card account record includes a universal fee access counter for tracking parameters associated with the fee options configured to apply to the group of fee types.

EFFECT: high reliability of systems for processing card transactions.

21 cl, 7 dwg

CROSS-REFERENCE TO RELATED APPLICATIONS

This application under the PCT, claims the priority of the provisional application at the U.S. patent № 61/083 .482, registered on July 24, 2008, entitled "System and method for processing fees for a card and application for a U.S. patent № 12/248 .127, registered October 9, 2008, entitled "System and method for processing fees for a card", both of which are incorporated herein by reference.

THE TECHNICAL LEVEL OF THE INVENTION

The technical field to which the invention relates

The present invention relates generally to the processing systems for card issuing and processing of card transactions, in particular to the commissions for transactions in such processing systems.

Description of the prior art

Processing system usually involves processing modules and secure communications network for card processing, such as emission and activation card authorization and processing of card transactions, as well as the clearing and settlement of card transactions. Processing system communicates with issuers, such as a Bank or other organizations, for the implementation issue cards to cardholders. Processing system then coordinates the activation of cards and the creation of card accounts of cardholders in their databases. The system also handles processing electronic transactions for card accounts and determines a fee per transaction, depending on the type of transaction. For example, different Commission fees for transactions can be charged to the card accounts depending on the type of transaction, such as withdrawing money from the account of the ATM, shopping at the points of sale (POS), requests balance in ATM, etc. During the clearing and settlement of electronic transaction processing system transfers the amounts of the transactions and commissions for transactions associate Bank card accounts and transfers payments transaction amounts, received from issuers, acquiring banks to retailers.

During the process of issue, the Issuer first selects the type of card, such as credit, debit and prepaid cards for emissions. Processing system transmits certain properties of the map and services that the Issuer may be configured for the card type, selected by the Issuer. One of the existing properties offered by processing systems during the issued card volume was the option for the Issuer to select a fee for a specific type of fee, and the type of fee may include the fee associated with the transaction, or Commission associated with the maintenance or servicing of the card. Processing system also provides the option for the Issuer to choose a specific type of fee and get rid of any commissions for the selected number specified specific type of fee for issued cards. The option may provide exemption from commissions, which should be periodically reset. For example, the selected options Committee may provide exemption from a number of types Commission, which is reset every month, ensuring that every month a number exempt from paying the transaction fee for this specific type of fee.

During the processing of card transaction processing system keeps track of the number of defined specific type of fee that is processed for card account associated with the issued card. If the number specified is the specific type of fee below the numbers selected by the Issuer for the selected period, the Commission for this card account specified for the particular type of fee processing system is not charged. However, as only a selected number of defined specific type of fee exceeded for the selected period, the processing system then calculates the associated Commission for the specified type of fee from a card account.

In the existing processing systems with no flexibility in the options commissions provided to the Issuer at the time of issue of the card, especially in respect of options a fee that may apply to more than one type of fee. Consequently, there is a need for more flexible processing system, which is working to provide different options for exemption and/or selection committees for groups of types Commission.

SHORT DESCRIPTION OF SEVERAL TYPES OF DRAWING (S)

Figure 1 is a schematic block diagram variant of the implementation of the processing system in accordance with the present invention;

Figure 2 is a schematic block diagram variant of the implementation of the graphical user interface, implemented by the processing system to issue cards in accordance with the present invention;

Figure 3 is a schematic block diagram variant of the implementation of a database of card accounts in the processing system in accordance with the present invention;

Figure 4 is a schematic block diagram variant of the method of cards issued in accordance with the present invention;

Figure 5 is a logical block diagram of option exercise program database commissions of the Issuer in the processing system in accordance with the present invention;

6 is a logical block diagram variant of the method of processing fees for card transactions in accordance with the present invention; and

Fig.7 is a logical block diagram variant of the method of processing of prepaid cards in accordance with the present invention.

DETAILED DESCRIPTION OF THE INVENTION

Figure 1 is a schematic block diagram variant of the implementation system 10 processing, working to maintain the emission of the cards with options Committee, is configured to apply to the group types Commission, and the processing of such cards with options of the Commission applicable to the group types Commission. System 10 treatment includes a module 12 processing, secure network card 14, base 16 data commissions of the Issuer and 18 data base of card accounts.

Base 16 data commissions of the Issuer includes one or more records 26 a fee for storage types Commission and options of the Commission, selected by the Issuer for the card 36 or party maps 36, as shown in more detail in figure 3. Map 36 may include credit card, debit card, a payment card, a card with a set limit of funds, prepaid card, the card system of electronic benefit transfer, card account, and other types of issued cards or accounts in any type of physical or electronic form, including a plastic card, a smart card chip, wireless device, electronic money account etc.

Base 18 data card accounts is working to store and manage records 28 card accounts, which include the data of the card holder as shown in more detail in figure 4. Base 16 data commissions of the Issuer and 18 data base of card accounts can be implemented in the form of a single database or multiple databases and can be implemented by one or more servers, storage networks, storage devices connected to the network, or other data storage systems located in the same geographic location or multiple geographic locations. Base 16 data commissions of the Issuer and 18 data base of card accounts can be organized in the form of relational, network, hierarchical, object-oriented, or other types of databases.

Secure network card 14 may include one or more interconnected networks with network nodes, such as network interface cards (NIC), bridges, hubs, switches or routers that are managed by one or more network management systems to ensure secure communication. In one embodiment, the protected network card 14 is a network VisaNet or similar corporate network.

The system of treatment is 10 working through which communication with the module 20 processing card Issuer via a secure network 14 of the card and/or other financial or from a third party. The Issuer includes, but is not limited to, Bank or other financial institution working to issue cards 36 or party maps 36 for one or more cardholders. Module 20 processing card Issuer transfers the data 30 issue selected by the Issuer to the holder of the cards in the system 10 processing. Card holder includes, but is not limited to, an individual or institution that issued the card 36 or party maps 36, or has the right to use the card 36, or is the holder of the account of the Issuer. Data 30 emissions include information about the card holder, the Issuer, data on the options of the Commission and the types of fee as described below, as well as any other information that the system supports 10 processing.

System 10 processing is also working through which communication with the module 22-processing cards of the acquirer via a secure network 14 of the card and/or other financial or from a third party. The term "acquirer" includes, but is not limited to, the processor of payments of the enterprises of retail trade, Bank or financial institution retailers that receives the transaction from retailers and routes the messages, authorization or clearing the drafts between retailers and system 10 processing. System 10 processing is also working through which communication with the module 24 card processing retail outlets through module 22-processing cards of the acquirer 22. In another embodiment, the module 24 card processing retailers can communicate with the system 10 processed through a secure network of 14 cards and/or through a network of retailers or through other financial network or third party without the prior transfer via module 22-processing cards of the acquirer. In both options, the implementation of data 32 card transactions are accepted by the system 10 processing. Data 32 transactions may include inter alia data of the transaction, such as the type of transaction transaction amount, name and/or ID retailers, data cards and any other associated with the transaction information.

Each of the processing modules including module 12 card processing, module 20 processing cards of the Issuer, the module 22-processing cards of the acquirer and the module 24 card processing enterprises of retail trade, can be a single processing device or multiple devices for processing in the network. Such devices may include one or more network nodes, including routers, bridges, servers, personal computer and so on, with each device processing may include a microprocessor, microcontroller, digital signal processor, microcomputer, Central processing unit, graphics card, user-programmable gate matrix programmable logic device, state machine, logic, analog circuits, digital circuits and/or any device that manipulates the data and/or signals (analogue and/or digital) on the basis of hard coding schemes and/or operational commands. One or more of the processing devices can have an associated memory element, which can be one device memory, external memory, plenty of storage devices storage device connected to a network, storage area network and/or integrated circuit processing extension. This memory can be permanent memory, RAM is volatile memory, non-volatile memory, static, dynamic memory, flash memory, cache memory, and/or any device that stores digital information. Note that when the processing unit implements one or more of its functions through the state machine, analog circuits, digital circuits and/or logic circuits, memory element that holds the corresponding operational commands can be embedded inside or outside processing device that contains a state machine, analog, digital circuitry and/or logic. In addition, we note that the item memory stores, and the device processing takes hard-coded and/or operation commands corresponding to at least some of the stages and/or functionality described for processing modules in the present description and illustrated in figure 1-7. Processing devices can also contain other components, including displays, keyboards, speakers, microphones, and other user interfaces.

Module 12 card processing is working to maintain the option for the Issuer to select a fee for types a fee, and the type of fee may include the fee associated with the transaction, or a fee associated with membership, maintenance or service of the card, or other types of commissions. The following are examples of the types of the Commission, however, other types of fee, not shown here may also be included. In one embodiment, each type of fee is identified specific identification code of the Commission. Below for each sample type Commission shows the approximate identification code Commission.

Identification code Commission

Type of the fee

Access to VRU

Access to CSR

Request of balance in ATM - local

Withdrawal in ATM - local

The receipt and disbursement of cash - local

Purchase with cash back money - local

Issuance of money substitutes signed - local

Purchase with PIN code - local

Purchase in money substitutes to enter the PIN - local

Purchase with signature - local

Withdrawal in ATM - international

The receipt and disbursement of cash - international

Purchase with return of the cash - international

Issuance of money substitutes signed - international

Purchase with PIN code - international

Purchase in money substitutes with a PIN code - international

Purchase with signature - international

Cancel the purchase with a PIN code - local

Cancel the purchase with a PIN code - international

Cancel purchases signature - local

Cancel purchases signature - international

Transfer funds from ASN

"Own" the balance in ATM local

"Own" withdrawal in ATM - local

"Own" interim account statement in ATM - local

"Own" cancel purchase in ATM - local

"Non-native" the balance in ATM - local

"Non-native" withdrawal in ATM - local

"Non-native" interim account statement in ATM - local

"Non-native" cancel purchase in ATM - local

For each type of fee processing system supports various options for a fee. During the process of emission of cards 36 or party maps 36 in existing processing systems processing system is working only to select one identification code Commission and option selection Commission to associate specific type of fee. For example, the Issuer may choose only one identification code for a fee, such as "1022" for the type of fee "Withdrawal in ATM - local", and then select the options of fee for this particular type of fee. Options panel shall be selected according to the type of fee based on the type of fee.

Referring to figure 2, shows the approximate graphical user interface page 50 of detail of the Commission, which may be displayed on the module 20 processing card Issuer. In other variants of realization page 50 of detail of the Commission may have different layouts, field, election data, or a set of pages, or the various toolbars and drop-down lists. Page detailing the fee includes fields for an identity 52 of the Issuer or the data of 54 cards. The identification field of the Issuer include the name 52a of the Issuer, location 52b and any other information which may identify the Issuer. Data 54 cards include fields such as card type 54A, programme identification card and sponsor programs for party maps 54b, etc. Can be also collected data card holder, such as a card account, the identification of the authorized user, address, PIN codes, etc. if any. Some data of the cardholder, such as PIN codes may not be available or not collected prior authorization card 36, especially if the cards 36 shall be issued to the sponsor programs for distribution to holders of cards.

Page 50 of detail Commission also includes a section 56 identify kind of fee. The plot type identification Commission can only identify one or a specific type 58 of the Commission. If identified specific type of fee, then options Committee will apply only to this specific type of Commission. Pre-configured, these commissions can also be set for each specific type of Commission, unless they are converted or changed by the Issuer on page 50 of detail of the Commission. Plot identify the type of fee also includes the identification of 60 groups and group types 62 of the Commission. Group types 62 a fee includes at least two specific type of fee.

Page 50 of detail of the Commission also includes options 64 Commission. Approximate options 64 a fee shown on page 50 of detail of the Commission and are listed below, although there can be enabled and other options 64 Commission, not illustrated or described in this document.

Triggering event

Frequency

Range type (count)

The ranges of a fee for each type range

A fee for each range Commission

The reset period (day, week, month, year)

The expiration period

The starting point of the Commission

Made by the Commission

Be attributed to

Switching fee

Commission is not charged in several States

Type table Commission

In one embodiment, the field 64A "Triggering event" specifies the event, which runs a fee for the transaction, such as buying a map, keeping the card, cash withdrawal in ATM, the request is in ATM, etc. Field 64b "Frequency" includes the time period for the accrual type of fee, for example the type of fee that can be charged when the event occurs, month, year, etc. Field s Type of range" identifies the number for the type of fee, from which you can escape. Field 64j Ranges commissions" includes selected range of transactions, and the 64k "a Fee for each range commissions" includes the Commission, which shall be accrued for each range 64j commissions, which are processed to the credit card account. For example, to type a fee for cash withdrawal in ATM fees for the first two withdrawal in ATM can be freed, a fee for the following three withdrawal in ATM could be set at US $ 2.00, and the fee for any subsequent withdrawal in ATM can be installed at the level of 3.00 USD. Further, field 64d "reset" includes the reset period, such as daily, monthly, yearly, for the field 64j Ranges commissions". Options 64 Commission may also include an "expiration" e, which should be used a number of transactions, and are not exempt from paying a fee after this Period expires" I, even if these transactions did not exceed the number of transactions with exemption from a fee. "The starting point of the Commission" 64f or "Made the Commission" 64g can be defined by setting the date or event to start monitoring commissions for transactions. Field 64h "attributable to" defines a card account for the calculation of commissions and field 64i "switching the Commission may specify a different account for the calculation of the number of commissions. Can be selected field 64m "table Type commissions" with a pre-configured options 64 Commission, which includes pre-configured options 64 Commission, designed for individual type 58 of the fee or for all types of fee.

In the process, module 20 processing card Issuer is working to display the page 50 of detail of the fee and receive group selection types 62 Commission identified by their ID codes a fee from the Issuer, the group types 62 Commission means at least two specific type of fee. This module 20 processing card Issuer is working to receive options 64 Commission, shown on page 50 of detail Commission or other options 64 of the Commission is shown on page 50 of detail of the fee for the selected group types 62 of the Commission.

For example, in one embodiment, the Issuer may select a group type 62 fee and select 64 Commission, which provides exemption from commissions for the selected number of transactions that fall within the selected group types Commission. In this case, the Issuer may want to first four times a fee for any type of transactions on cash withdrawal from the account is not processed. At that, the Issuer may select a group type 62 of the fee associated with the withdrawal of cash from the account, such as "Withdrawal in ATM" 1022, "the receipt and disbursement of cash" 1023, "Return of cash in POS" 1024, and so on, and select the exemption from commissions of the options 64 a fee for the four transactions.

In another embodiment, module 20 processing card Issuer 20 may take a variety of groups types Commission and the choice of different options 64 a fee for each group types 62 of the Commission. As can be seen from Figure 2, each group types 62 of the Commission assigned the identification of 60 groups. The Issuer may choose the second group types 62 of the Commission and the various options 64 a fee for the second group selected types 62 of the Commission on a separate page 50 of detail Commission displayed in the module 20 processing card Issuer. The second group types 62 of the Commission will be assigned identification of 60 groups different from the identification of the first group.

In addition to the graphical user interface, such as page 50 of detail of the Commission, in other variants of implementation for data collection 30 issue from the Issuer can be implemented different systems or data collection methods, such as IVR, call center, file transfer, etc. When using any of these systems or data collection methods module 20 processing card Issuer is working to receive from the Issuer's group selection types 62 of the Commission and, in addition, is working to receive from the Issuer the choice of the applicable options 64 a fee for the selected group types 62 of the Commission.

After administration of elections module 20 processing card Issuer 20 it transmits 30 issue in module 12 card processing. Data 30 emissions include options 64 a fee that applies to one or more selected group types 62 of the Commission. These emissions may also include options 64 Commission configured for any individual types 58 of the Commission, as well as the identity 52 of the Issuer and the data of 54 cards.

Figure 3 illustrates the schematic block diagram of a variant of realization of the base 16 data of the program Committee of the Issuer and recording 26 of the Commission in the 10 processing in accordance with the present invention. Module 12 processing accepts data cards 30 emissions from module 20 processing cards of the Issuer and, moreover, creates a record 26 Commission in base 16 program data commissions of the Issuer. In one embodiment, the module 12 card processing can create two types of records 26 Commission: write 26a program commissions of the party and the record 26b of the individual committees.

In one embodiment, the record 26a program commissions party may include data 52 of the Issuer and the data of 54 cards. In addition, the record 26 of the fee includes one or more identifiers 70 card account that identify each record 28 card accounts in the 18 data card accounts that must be handled according to the record 26a program committees of the party. ID 70 card account can be an account number to be issued cards 36, or a file pointer, or other identifier, so that the module 12 card processing can determine entries 28 card accounts assosiated with record 26a program committees of the party. Record 26a program committees of the party also includes a table 72 commissions, which includes criteria Commission for types a fee. Table 72 commissions includes group table 74, with each group table 74 involves identification of 60 groups for groups of types 62 fee and applicable options 64 a fee for the groups of types 62 of the Commission. In addition, the record 26a program commissions party may include individual table 76 commissions, each individual tables 76 commissions includes individual type 58 Commission and options 64 Commission, configured for individual type 58 of the Commission.

Similarly, in one embodiment, the record 26b individual commissions stored in the 16 program data commissions of the Issuer, including data 52 of the Issuer and the ID of the 70's card account. ID 70 card account identifies the record 28 of card account in the 18 data card accounts, which must be processed according to the record 26b individual commissions. ID 70 card account can be an account number to be issued cards 36, or a file pointer, or other identifier, so that the module 12 card processing can define a record 28 card account associated with the account 26b individual commissions. Record 26b individual commissions also includes a table 72 commissions, which includes criteria commissions for types a fee. Table 72 commissions includes group table 74, with each group table 74 includes the ID of 60 groups for groups of types 62 fee and applicable options 64 a fee for the groups of types 62 of the Commission. In addition, the record 26a program commissions party may include individual 76 table of commissions, in which each individual tables 76 commissions includes individual type 58 Commission and options 64 Commission, configured for individual type 58 of the Commission. Table 72 commissions may also include a pre-configured table 78, which includes the type 64m table commissions with a pre-configured options 64 Commission, intended for individual type 58 of the fee or for all types of fee. This table 72 commissions may also be included in the record 26a program committees of the party.

The above description of records 26 Commission is approximate, and module 12 card processing can be created in various records, data, fields, and configuration files for data storage 30 emission in base 16 program data commissions of the Issuer.

Figure 4 illustrates the schematic block diagram of a variant of the implementation of 18 data base of card accounts, as shown in figure 1. Module 12 card processing creates a record 28 of card account in the 18 data card accounts for each card 36, issued either individually or in batches. Each individual record 28 card account includes data 80 card holder, adopted by the module 12 card processing. Such data 80 cardholder may include one or more of the following: room 80A card accounts, non 80b PIN-codes, names of authorized users 80C, etc. in Addition, the record 28 card account may include data 54 maps and data 52 of the Issuer. Record card account also includes universal counter 82 access fee for each group types 62 Commission identified by identification 62 group. Universal counter 82 access to the Commission monitors the number of transactions associated with a record 28 card account falls into one or more of the groups of types 62 of the Commission. So, for a group of types 62 of the Commission with the identification Group1 group universal counter 82 access fee will track the number of transactions listed in the group types Commission in Gruppe, such as 1031 and 1032. Universal counter 82 access fee may also track other parameters regarding the type groups 62 a fee that may be necessary for the correct application of the selected options 64 a fee for the groups of types 62 of the Commission.

The above description of records 28 card accounts is approximate, and module 12 card processing can be created in various records, data, fields, and configuration files to store the necessary data 80 cardholder data 54 maps and data 52 of the Issuer in the 18 data card accounts.

At the stage 106 process 100 issue includes a selection or reception of group selection types 62 Commission module 12 processing cards of the Issuer and the purpose of identifying 60 the group's group type 62 of the Commission. Group types 62 a fee includes two or more specific individual types 58 of the Commission. At the stage 108 Issuer selected one or more options 64 of the Commission applicable to the group types 62 of the Commission, and such elections shall be taken by a module 12 processing card Issuer. The choice of type groups 62 fee and applicable options 64 Commission can be performed using page 50 of detail of the Commission, as shown in figure 2, or from another type GUI or selection method.

For example, in one embodiment, the group types 62 of the Commission, selected on the stage 106 by the Issuer, may include types of fee associated with the removal of cash from the account, such as "Withdrawal in ATM" 1022, "the receipt and disbursement of cash" 1023, "Return of cash in POS" 1024, and select one or more options 64 of the Commission may include four exempt from the Commission of a transaction in the group types 62 of the Commission. In addition, another of selectable options 64 of the Commission may be the reset period of one month. In another embodiment, one of the selectable options 64 of the Commission may include a range of commissions applicable to the transactions under type a fee, such as $ 1.00 for the transaction from the first to the fourth group types Commission, US $ 2.00 for transactions with the fifth to eighth in the group types Commission and 3,00 USD for transaction ninth to infinity. Option 64 Commission of the reset period for a range of commissions can also be selected in one embodiment. In other variants of the invention can get additional or different one or more options 64 a fee for applying to the group types 62 of the Commission.

At the stage of 110 process 100 issue provides the option to select a different group types 62 of the Commission. Module 20 processing card Issuer is working to display another page 50 of detail Commission or other type of GUI or selection method to select the next type groups 62 of the Commission. This next group types 62 of the Commission appointed other identification 60 groups. Further options 64 of the Commission may be selected for the next group types 62 of the Commission as described in steps 106 and 108. On stage, 110, when there is no need to select any other type groups 62 Commission, process 100 issue at the stage 112 proceeds to transfer data 30 issue for the card 36 or party maps 36 module 20 processing cards of the Issuer and to receive data emission system 10 processed via a secure network 14 of the card and/or other financial or from a third party. Data 30 emissions include data 80 card holder, if they are collected and put on the stage 102, 54 data card, and one or more groups of types Commission, identity groups and the applicable option fee. In addition, data 30 emissions include data 52 of the Issuer (such as Bank identification number or BIN, location of the Issuer and so on) and any other information and data sent by the module 20 processing cards of the Issuer and maintained by the system 10 processing.

At the stage 114 process 100 issue includes data processing 30 emission system 10 processing. At the stage 116 module 12 card processing creates a record 26 of the Commission in the 16 data commissions Issuer's card 36 or party maps 36. As described above with reference to Figure 3, the record 26 of the fee includes the identification of 60 groups for groups of types 62 fee and applicable options 64 a fee for the groups of types 62 of the Commission. At the stage 118 module 12 card processing creates a record 28 of card account in the 18 data card accounts. For individual issued the card creates one record 28 card account, and for each card 36, dated party maps 36, creating many accounts 28 card accounts. At the stage of 120 card is issued with a group of types 62 fee and applicable options 64 a fee for the groups of types 62 of the Commission. System 10 processing passes to the 12 processing card Issuer all the necessary data, such as numbers of card accounts, etc. Then the Issuer produces individual card or cards to cardholders and/or program sponsor with a group of types 62 fee and applicable options 64 a fee for the groups of types 62 of the Commission.

6 is a logical block diagram of a variant of the invention, the way of 200 processing fee for card transactions. At the stage 202, if it is not running at issue, the way 200 processing includes the activation of individual maps of 36 or party maps 36. Individual activation involves the transfer by the holder of the cards in the system 10 data processing activation, such as card number and/or PIN, or other information that should be associated with the card 36. Instead card activation 36 card holder, the Issuer is able to activate the card 36 on behalf of the cardholder. When you activate the party by the Issuer module 20 processing card Issuer receives from the Issuer or sponsor of the program activation data and transmits the data activated in the system 10 processing. Activation data may include card number and/or PIN, or other information that should be associated with each card in the party. Then the sponsor programs can distribute the cards 36 specific card holders. Card activation 36 system 10 processing may include an update of the field or option or setting the record 28 of card account in the 18 data card accounts. After activation of a transaction associated with the card 36, may be authorised.

At the stage 204 method 200 processing includes data reception 32 card transactions module 12 processing cards for transactions associated with the card 36. Data 32 card transactions include these transactions, which may include, for example, the type of transaction transaction amount, the identification of retailers and other information related to specific transactions. In addition, at the time of the transaction, the retailer collects information about the card with a magnetic strip or chip cards 36 module 24 card processing enterprises of retail trade. As a rule, the information about the map on the magnetic strip or chip cards 36 includes data 54 cards and/or data 80 card holder, such as Bank identification number or BIN, which is a sequence of digits that identifies the Issuer, number of the card account and code verification. In addition, the card information on the magnetic strip or chip cards 36 can be included dates of issue and expiration, as well as additional codes, such as non emission and security codes. Alternative, information is needed on the map which includes data 54 cards and/or data 80 card holder can be collected by the retailer using other methods, such as using secure payment of a web portal retailers over a public network such as the Internet. Information about the card, printed on the map 36, such as BIN, the number of the individual account, the date of the expiration date, security code, etc. can be collected by the retailer through the payment GUI retailers. Data 32 card transactions include this collected information about the map, such as data 54 cards and/or data 80 holder of the card and transaction data.

Module 24 card processing retail and/or network retailers transmits data 32 card transactions for transaction authorization in the module 22-processing cards of the acquirer. Module 22-processing cards of the acquirer can format data 32 card transactions in the message 34 with authorization request and send your e-34 with authorization request in module 12 card processing in a secure network 14 cards. Alternatively, data 32 card transactions can be transmitted by the module 24 card processing enterprises of retail trade in protected network 14 of the card and/or other network processing or financial network of a third party instead of the acquirer.

At the stage 206 module 12 processing card processing data, 32 card transactions to identify the record 26 of the fee associated with the card 36, and write 28 card account associated with the card 36. Using data 32 transactions and account 26 Commission module 12 processing then determines the stage 208 whether the transaction is associated charges in the group types 62 Commission in account 26 of the Commission. When the transaction has an associated type of fee in the group types 62 Commission in account 26 of a fee, the method 100 processing continues at the stage 210 by defining recording 26 Commission default or pre-configured options 64 a fee for an individual type 58 of the fee associated with the transaction. Entry 26 the Commission may include individual table 76 commissions, which includes individual type 58 Commission and options 64 Commission, configured for individual type 58 of the Commission. Entry 26 the Commission may also include a pre-configured table 78, which includes the type 64m table commissions with a pre-configured options 64 Commission, intended for individual type 58 of the Commission.

For example, the data types of the Commission may include cash withdrawals from the account, such as 1022 "Withdrawal in ATM", 1023 "Reception and cash money," 1024 "Return of cash in POS", and the options of the Commission may include four exempt from the Commission of a transaction in the group types Commission. When these transactions indicate that this "1022 Withdrawal in ATM", module 12 card processing updates universal counter 82 access to even a fee per transaction. When universal access counter to a fee equal to four or less module 12 processing card does not charge the card account for a fee associated with "1022 Withdrawal in ATM". When universal access counter to the Commission exceeds four, the method of processing proceeds to the stage 210 determine the default option, the fee for the type of fee "1022 Withdrawal in ATM", such as the Commission of 1.00 US dollar. In addition, one of the options of the Commission may be the reset period of one month. Therefore module 12 card processing determines amounted to do the reset period of one month, and if so, it resets the universal counter 82 access to the Commission to determine whether the transaction within the parameters of the universal counter 82 access fee for the application of options 64 of the Commission applicable to the group types 62 of the Commission. In another embodiment, the options of the Commission may include a range of commissions applicable to the transactions under type a fee, such as $ 1.00 for the transaction from the first to the fourth group types Commission, US $ 2.00 for transactions with the fifth to eighth in the group types Commission and 3,00 USD for transaction ninth to infinity. In this embodiment, the module 12 card processing defines universal counter 82 access to the Commission the number of transactions in the group types 62 of the Commission and the Commission amount for transactions for the specified number of transactions in the range commissions. One or more parameters for options 64 of the Commission applicable to the group types 62 Commission, tracked universal counter 82 access to a fee.

When the module 12 card processing determines that the transaction cannot be processed using options 64 of the Commission applicable to the group types 62 of the Commission, the way 100 processing proceeds to the stage 210 and defines default or preconfigured Commission in accordance with the options 64 a fee for this individual type 58 of the fee associated with the transaction. When the module 12 card processing determines that the transaction should be processed using the options 64 of the Commission applicable to the group types 62 of the Commission, the way 100 processing proceeds to the stage 218, and module 12 processing of the cards determines the options of the Commission applicable to the group types 62 of the Commission. Phase 220 200 way of processing are processed options 64 of the Commission that are identified as applicable to the transaction or at the stage 210, or at the stage 218.

The module then 12 card processing proceeds to the authorization of the transaction at the stage 222. Transaction authorization phase 222 includes a comparison of the received data 80 cardholder data 80 card holder in writing 28 card account. If network 10 processing card is not detected fraud, the module 12 card processing can send an authorization request to the module 20 processing of the Issuer with the data card transactions and a transaction fee for inspection by the Issuer on the protected network 14 cards and/or through the network of the Issuer or a third-party network. Module 20 processing of the Issuer sends an authorization request, either allowing or prohibiting the transaction. The module then 12 card processing passes allow or prevent any return information to the module 22 processing of the acquirer to transfer to the module 24 card processing enterprises of retail trade. In another embodiment, the module 12 card processing can pass allow or prevent any return information to the module 24 card processing retail establishments without prior send messages to the module 22 processing acquirer. In another embodiment, the module 12 card processing can authorize or prohibit the transaction without checking module 20 processing of the Issuer.

In one single variant of the implementation system 10 processing supports the making and processing transactions on prepaid card configured with options of the Commission, which include exemption from commissions for the selected room type groups of the Commission applicable to withdrawals of cash from the account. Prepaid card includes, but not limited to, for example, Bank cards, prepaid cards, the cards are loaded with "units" or advances cards such as universal card loaded with "units", tickets, salary cards, teenager or student cards, business cards, gift cards or any other type of card loaded with "units", avenirovna or prepaid ordinary payment card or account at any type of physical or electronic form, including plastic card, a smart card chip, wireless device, electronic money account etc.

The sponsor programs, such as an employer or other organization or individual funds prepaid card issued by the Issuer. One example of a prepaid card is, for example, salary card. The sponsor of the program is the employer and payroll cards provide an alternative to direct crediting of funds to the account, the payment of wages by cheque or cash for employees who do not have sufficient access or do not have access to basic financial services. Prepaid cards can also be made to provide subsidized by the state compensation, including, but not limited to, social security benefits, the payment of disability pensions, free health care by Medicare/Medicaid and payment of social security funds. In this example, the sponsor of the program goes to the state authority responsible for the financing of prepaid cards. In another example, prepaid cards can be used as gift cards to make purchases in a particular retailer, is acting as the sponsor of the program.

Fig.7 shows a logical block diagram variant of the method of issuance and processing of prepaid cards 300 to ensure exempt from the fee transactions for the selected room type groups of the Commission in accordance with the present invention. At the stage 310 selected option a fee for the groups of types 62 a fee for pre-paid card or party prepaid cards. In this embodiment, the group types 62 a fee includes the fee associated with the withdrawal of cash from the account, such as withdrawal in ATM, Bank transfers, cash back at POS, etc. Options 64 Commission, select for a group of types 62 of the Commission, include the count range of liberation from commissions for the number of transactions. In addition, options 64 the fee may include the reset period, such as the number of transactions with exemption from commissions can be reset at the end of the reset period, for example each period of payment salary cards of the employer. Options 64 can also include the expiration period, which should be the given number of transactions are not exempt from paying a fee after this period expires, even if these transactions completed in group types Commission, did not exceed the number of transactions with exemption from commissions. Other options 64 Commission can also be configured for a group of 62 types of fee for pre-paid card. Then on the stage 312 system 10 accepts data processing 30 issue, including options 64 a fee for the groups of types 62 of the Commission.

At the stage 314 process 300 module 12 processing of cards in the 10 processing creates a record 26a program committees of a party to issue the party of prepaid cards, or 26b individual commissions maps for emission individual cards in the 16 program data commissions of the Issuer. Entry 26 of the fee includes options 64 Commission, select for a group of types 62 of the fee associated with the withdrawal of cash from the account. Module 12 card processing also generates a record 28 card account for each of issued cards. At the stage set 316 universal counter 82 access fee in each entry (row 26 of the fee for the selected number are exempt from the fee withdrawals of cash from the account are required for groups of types 62 of the Commission. At the stage 318 activated party prepaid cards or individual prepaid card.

At the stage 320 module 12 processing accepts data cards 32 card transaction and processing data, 32 card transactions to identify the record 26 of the fee associated with the data 32 card transactions. At the stage 322 module 12 card processing determines whether the type of fee in selected group types 62 Commission in account 26 of the Commission. In this embodiment, the group types 62 a fee includes the fee associated with the withdrawal of cash from the account. In connection with this module 12 card processing at the stage 322 determines whether the type of a fee by cash withdrawal from the account listed in the group types 62 of the Commission.

When the type of fee is a cash withdrawal from the account listed in the type group 62 the Commission module 12 card processing updates universal counter 82 access to a fee, which is associated with the identification of 60 groups with a new transaction on stage 324. At the stage 326 module 12 card processing determines exceeded whether universal counter 82 access to fee their preset number, for example, if the number is free of charge withdrawals of cash from the account in a group of types a fee associated with withdrawals of cash from the account has been exceeded. If the universal counter 82 access to the Commission exceeded its preset number, during treatment applicable commissions on stage 328 a transaction fee for this type of fee is released.

When exceeded universal counter 82 access fee or out period expires to ensure exempt from the Commission of transactions in the group types 62 of the Commission or not provided with other options 64 Commission configured for groups of types 62 of the fee associated with the withdrawal of cash from the account, the transaction is processed on the basis of a pre-configured or the default options 64 a fee for an individual type 58 of the Commission, as shown in step 330. However, if this type of fee was originally a pre-configured in the table type commissions or default for exemption from fees for one or more transactions with this type of fee, the card holder can make more number of transactions. However, preliminary configuration options 64 a fee for any individual types 58 Commission in the type group 62 the Commission should review and amend or reassigned during the issue, so that only the required number are exempt from the fee transaction was allowed during the treatment applicable commissions on stage 332. At the stage 334 performed transaction authorization.

The above options for the implementation of the system and method of processing the present invention provides a more flexible allocation of commissions on card payments. Can be selected group types Commission, and to this group types Commission may apply the options to the Commission. Universal access counter to the Commission in writing of the card account tracks the number of transactions or other parameters associated with options Committee, to be selected for type groups of the Commission. This flexibility provides more options committees which should be offered to issuers processing system.

As can be used in this document, the term "working for" indicates that the element contains one or more of: modules for the data, the device (s) input device (s) output etc. to perform one or more of the above necessary or appropriate functions and can optionally include the assumed relationship with one or more other elements to perform this necessary or appropriate functions. As can be additionally used herein, the term "associated with" includes direct and/or indirect Association of individual data and/or a single item of data that is embedded in another element.

The present invention also described above with the help of the stages of way, illustrating the performance of specific functions and relations between them. For ease of description of border and the order of these functional structural units and stages in the way set out in this document arbitrarily. Can be set to alternate the border and order provided that the specific functions and relations between them appropriately done. Any such boundaries and the order does not go beyond the extent and nature of the claimed invention.

The present invention described above using functional structural units, illustrating the implementation of some important functions. For convenience in describing the boundaries of these functional structural units are set arbitrarily. Can be set to an alternative borders, provided that some important functions are properly executed. Similarly, blocks sequence can also be specified in this document random to illustrate some important functionality. In the border and the block order the sequence of operations can be specified differently and yet to perform some important functionality. Such alternative job as a functional structural units and blocks and sequence of operations does not exceed the extent and nature of the claimed invention. The average person skilled in the art technology will be clear that described in this document functional structural units and other illustrative blocks, modules and components can be implemented, as illustrated, or through one or multiple discrete components, networks, systems, data, or processing modules, implementing the appropriate software and the like, or any combination of them.

1. Method of issue of the card during the issue process that contains the time that: accept, from the Issuer, the first identification code for the first type of Commission; accept from of the Issuer, the second one identification code for the second type of Commission; group first and second types of fee to the group types Commission, using the first and second identification codes; take the choice of the type groups of the Commission; take selecting one or more options, the fee applicable to the group types Commission; and transmit data emission treatment system that issues the card in accordance with the data of emissions, these emissions include one or more options Committee and selected group types Commission.

4. The way of emission of cards of claim 1, wherein the reception of choice type groups of the Commission contains the stage at which: take the choice of the types of fee using a graphical user interface that is displayed on the module card processing Issuer.

5. The way of emission of cards of claim 1, wherein acceptance of selecting one or more options, the fee applicable to the group types Commission, contains a stage at which: take selecting one or more options, the fee applicable to the group types Commission using the graphical user interface displayed on the module card processing Issuer.

6. Method of issue of the card that contains the time that: accept these emissions, at least for one card, but these emissions include group types Commission and one or more options Committee, applicable to the group types Commission; create account a fee associated at least with one card in the database commissions of the Issuer, with the entry fee includes one or more options Committee, applicable to the group types Commission; and create an entry card account associated with your card in the database of card accounts and records of card account includes universal access counter to the Commission for monitoring the parameters associated with one or more options for a fee, applicable to the group types Commission.

7. Method of issue 6, contains the time that: accept these emissions, which additionally include a second set of types of the Commission and one or more options Committee, is applicable to the second group types Commission; create a record of the Commission to include one or more options Committee, is applicable to the second group types Commission; and create an entry card accounts that included universal access counter to the Commission for monitoring the parameters associated with one or more options, the fee applicable to the second group types Commission.

8. Method of issue 6, in which the stage of receiving data issue, at least for one card, but these emissions include group types Commission and one or more options Committee, applicable to the group types Commission, contains a stage at which: accept these emissions for party cards, but these emissions include group types Commission and one or more options Committee, applicable to the group types Commission.

9. Method emissions of claim 8, wherein is the creation account a fee associated at least with one card in the database commissions of the Issuer, with the entry fee includes one or more options Committee, applicable to the group types Commission, contains a stage at which: create a record of the fee associated with the party maps in the database commissions of the Issuer, with the entry fee includes one or more options Committee, applicable to the group types Commission.

10. Method emissions of claim 9, wherein is the creation account, card account associated with your card in the database of card accounts while recording card account includes universal access counter to the Commission for monitoring the parameters associated with one or more options, the fee applicable to the group types Commission, contains a stage at which: create a record of the card account for each card in the party maps in the database of card accounts and records of card account for each card in the party maps includes universal access counter to the Commission for monitoring the parameters associated with one or more options, the fee applicable to the group types Commission.

11. The method of processing card the transaction that contains the time that: take the data of the card transactions to the transactions associated with the card; process data card transactions for access to a record of the Commission in the database for a map, with the entry fee includes the option of the fee applicable to the group types Commission; determine whether the transaction is associated with the card, the group types Commission to write a fee for the card, this definition contains the time that: process data card transactions for access to a record of the card account from the database of card account, which is associated with the card, and an entry card account includes universal access counter to the Commission that monitors one or more parameters options Committee, applicable to the group types Commission; and determine from the data card transactions and options Committee, is whether the transaction within one or more parameters that are monitored universal access counter to the Commission; when the transaction type is included in the group types Commission must determine whether the transaction should be processed by the Commission, applicable to the group types Commission; and when the transaction must be processed by the Commission, applicable to the group types Commission, process options Committee, is applicable for groups of types a fee for the transaction.

12. The way of processing of card transactions on item 11, additionally contains the stage at which: when a transaction is associated with a map, included in the group types Commission to write a fee for the card, update universal access counter to the Commission in writing of the Commission.

13. The way of processing of card transactions on item 11, additionally contains the stage at which: when a transaction should not be processed by the Commission, applicable to the group types Commission, process preconfigured option the fee specified in the record of the Commission for the transaction.

14. Processing system for the issuance of a card containing: processing extension of the Issuer working for: receiving, from the Issuer, the first identification code for the first type of Commission; receive, from the Issuer, the second identification code for the second type of Commission; grouping of the first and second types Commission in the first group types Commission, using the first and second identification codes; reception of selection of the first group types Commission; receive selecting one or more options, the fee applicable to the first group types Commission; and transfer of emission data to the card, which should be released in processing module, but these emissions include the first group types Commission and one or more options Committee, is applicable to the first group types Commission.

15. Processing system according to 14, in which the automatic processing of the Issuer advanced is working for: the purpose of identification of the group first group types Commission; the reception of choice of the second group types Commission, while the second group types of fee includes two or more types of Commission; appointment of another group identification second group types Commission; and receive selecting one or more options, the fee applicable to the second group types Commission.

16. Processing system according to 14, in which the automatic processing of the Issuer is also working to: display a graphical user interface for the reception of choice type groups of the Commission and select options for a fee, applicable to the group types Commission.

17. The way of processing of cards that contains the time that: accept these transactions to transactions for maps and access to the records of the Commission stored in the database commissions of the Issuer for the card to determine the option of the fee for the groups of types Commission, with the entry fee includes the option of the fee applicable to the group types of the Commission; determine whether the transaction is one of the groups of types Commission, the definition includes the stages at which process the data card transactions for access to a record of the card account from the database of card account, which is associated with the card, and an entry card account includes universal access counter to the Commission that monitors one or more parameters options Committee, applicable to the group types Commission; and determine from the data card transactions and options Committee, is whether the transaction within one or more parameters, tracked universal access counter to the Commission; when a transaction is one of the groups of types Commission, increase universal access counter to the Commission, stored in the recording of a card account to the card in the database of card accounts; and in response to universal access counter for a fee not exceeding the parameter is monitored universal access counter to the Commission, process options Committee, applicable to the group types Commission for the transaction.

18. The method of processing cards 17, where the types of the Commission is a group of types a fee associated with the withdrawal of cash, and in which the options of the Commission applicable to the group types Commission are chosen by the number of exemption from commissions.

19. The method of processing cards 17, in which the parameter is monitored universal access counter to the Commission, is the number of transactions processed in the group types Commission with exemption from commissions.

20. The way it handles the cards for p, which in response to universal access counter for a fee not exceeding the parameter is monitored universal access counter to the Commission, the treatment options for a fee, applicable to the group types Commission for a transaction contains the stage at which: in response to universal access counter for a fee not exceeding the number of exemptions from commissions, the process of liberation from the Commission for the transaction.

21. The method of processing on p.19, in which one the card is a prepaid card.