Electronic Cardholder Data Exchange for Fraud Prevention

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Solution Overview

Problem

Third-party entities face challenges in detecting chargeback fraud, providing environmentally friendly receipts, and enrolling remuneration vehicle owners in reward programs due to difficulties in obtaining cardholder contact information efficiently.

Innovation Solution

A system and method for electronically communicating cardholder contact information from a remuneration vehicle issuer to a third-party entity during authorized interactions, allowing merchants to proactively contact cardholders for fraud prevention, provide automated receipts, and enroll cardholders in rewards programs.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Speed

If third-party entities use traditional paper receipts, then cardholder contact information can be obtained, but transaction speed decreases and environmental impact increases

Engineering Contradiction:

Improvetransaction speedVSAvoidpaper waste

Core Design Contradiction:

SpeedVSLoss of substance

Solution Approach 1:

The patent replaces physical paper receipts with electronic copies of transaction information transmitted via communication interfaces. The system captures cardholder contact information and transaction details, then transmits them electronically to the cardholder's device, eliminating the need for physical paper while maintaining receipt functionality.

Inventive Principle:

Principle #26Copying

Solution Approach 2:

The patent substitutes the mechanical paper printing and distribution system with an electronic communication system. Instead of printing receipts on paper and physically delivering them, the system uses electronic data transmission through communication interfaces to deliver receipt information, thereby increasing speed and reducing material waste.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Reliability

If merchants manually collect cardholder contact information, then fraud prevention is possible, but the process becomes time-consuming and complex

Engineering Contradiction:

Improvefraud prevention capabilityVSAvoidinformation collection time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The patent performs preliminary action by capturing cardholder contact information at the point of sale during the transaction process. The system automatically obtains and stores contact information before fraud detection is needed, allowing merchants to proactively reach out to cardholders for fraud prevention without adding time to the transaction process.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system enables self-service by automatically capturing and transmitting cardholder contact information without requiring manual collection efforts. The electronic commerce system handles information gathering and transmission autonomously, reducing the time and complexity burden on merchants while maintaining fraud prevention capability.

Inventive Principle:

Principle #25Self-service

3Adaptability or versatility

If third-party entities request cardholder contact information for reward programs, then enrollment is possible, but the process becomes cumbersome for cardholders

Engineering Contradiction:

Improvereward program enrollment capabilityVSAvoidcardholder enrollment experience

Core Design Contradiction:

Adaptability or versatilityVSEase of operation

Solution Approach 1:

The patent merges the reward program enrollment process with the existing transaction processing flow. Instead of requiring cardholders to separately provide contact information for rewards, the system combines information collection during the transaction with reward program enrollment, making the process seamless and automatic for the cardholder.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The system implements self-service by automatically using cardholder contact information captured during transactions for reward program enrollment. The system autonomously matches cardholders with reward programs and handles enrollment without requiring additional cardholder input, thereby maintaining versatility while improving ease of operation.

Inventive Principle:

Principle #25Self-service

Data Source

PatentUS20250086637A1Electronically communicating contact information after authorized interaction

Publication Date: 2025.03.13 MASTERCARD TECHNOLOGIES CANADA ULC

AI summary

A system for communicating cardholder data. The system comprises a remuneration vehicle device, a third-party entity device, and a server. The remuneration vehicle device includes a first communication interface, a first electronic processor, and a first memory. The third-party entity device includes a second communication interface, a second electronic processor, and a second memory. The server includes a third communication interface, a third electronic processor, and a third memory. The third electronic processor is configured to receive, with the third communication interface, a first data packet indicating cardholder data from the first communication interface, store the cardholder data in the third memory, receive a second data packet indicating a transaction request from the second communication interface, and provide a third data packet indicating a transaction response to the second communication interface. The third data packet includes the cardholder data from the third memory.