FIELD OF THE DISCLOSURE

The present disclosure relates generally to point of sale technology and, more specifically, to an exemplary system and method for handling rejection of a card presented at a point of sale device.

BACKGROUND

Account-linked cards have become commonplace, as many individuals use account-linked cards such as those for access to credit or debit accounts, membership club accounts, rewards accounts, parking facilities, secured buildings, accounts at banking institutions, accounts for mass transportation and other types of accounts. Account-linked cards are frequently used with card readers or devices equipped with card readers, some of which require the account holder to insert the account-linked card containing information on a magnetic strip or embedded memory into the card reader. After the card has been read and authenticated, the account holder may be able to carry out a variety of transactions or inquiries. However, on occasion an account holder may have his or her card rejected after submission to a card reader at a point of sale system, resulting in inconvenience and potential embarrassment to the account holder. Card rejection may happen for a number of reasons, such as, for example, expiration of the account, insufficient funds, etc.

Thus, it may be beneficial to provide exemplary systems and methods which allow users to handle card rejection in a rapid and straightforward manner to overcome at least some of the deficiencies described herein.

SUMMARY

Aspects of the disclosed technology include systems and methods for transaction processing control. Transaction processing control may be provided in the context of providing account information, including handling requests to select and provide a second account number via a mobile device in communication with a rejected card such that the rejected card need not be removed from the point of sale device and a second card need not be submitted to the point of sale device. In this way, a second account number may be rapidly provided in a secure manner without having to store multiple account numbers on the card. This provides an advantage over use of a card storing multiple account numbers, since loss or theft of such a card having multiple account numbers would present heightened risk to a user by exposing multiple accounts, rather than a single account, to a thief or other party possessing the card.

Embodiments of the present disclosure provide a point of sale device, comprising: a card reader configured to read account information from an inserted card, the account information including an inserted card account number that is stored on the inserted card; a communications interface that is configured for data communication with an authorization network; and a processor connected to the card reader and the communications interface, the processor configured to: receive the account information from the card reader; communicate the inserted card account number via the authorization network to determine whether a transaction associated with the inserted card is authorized; receive an authorization response, the authorization response including a rejection notification if the transaction is not authorized; transmit the rejection notification to a mobile device, the mobile device in data communication with the inserted card via a wireless connection; receive a second account number that is stored on the mobile device; and communicate the second account number via the authorization network to determine whether the transaction associated with the second account number is authorized.

Embodiments of the present disclosure provide a payment card, comprising: memory configured to store a first account number; a contact pad configured to, when the payment card is inserted into a point of sale device, transmit the account number to a card reader of the point of sale device and to receive a transaction rejection response if a transaction associated with the first account number is rejected; and a wireless communication interface configured for data communication with a mobile device; wherein, the transaction rejection response, upon receipt via the contact pad, is transmitted to the mobile device, thereby causing the mobile device to transmit a second account number stored on the mobile device in a manner that enables the second account number to be used to process the transaction instead of the first account number.

Embodiments of the present disclosure provide a method for transaction processing control, comprising: receiving, at a card reader of a point of sale device via a contact pad on a payment card in communication with the card reader, a first account number associated with the payment card; transmitting, via a communications interface, a first transaction authorization request that includes the first account number and a transaction amount to an authorization network; receiving, via the communications interface, a transaction rejection from the authorization network, said transaction rejection responsive to the first transaction authorization request; transmitting information indicating the transaction rejection to the contact pad on the payment card via the card reader; receiving, at the card reader of the point of sale device via the contact pad on the payment card, a second account number that is not associated with the payment card, said second account number being stored on a mobile device in wireless communication with the payment card; and transmitting, via a communications interface, a second transaction authorization request that includes the second account number and the transaction amount to an authorization network.

Further features of the disclosed design, and the advantages offered thereby, are explained in greater detail hereinafter with reference to specific example embodiments described below and illustrated in the accompanying drawings.

