IP Library › Granted Patent US 9,558,605
Granted Patent B2
US 9,558,605 · App. 14/542,228 · Granted Jan 31, 2017

Systems and methods for authorizing access to facilities

Inventor: Richard Lynch (Limerick, IE)
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
G07C9/00103G06Q20/34G06Q20/40G06Q20/405G07C9/00007
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Quick Facts
Patent No.
US 9,558,605
App. No.
14/542,228
Granted
Jan 31, 2017
Kind
B2
Abstract

Systems and methods are provided for authorizing access to facilities. In connection therewith, a first request comprising data indicative of a card number is received at a first node. When the first request comprises a request for access to a facility, a set of rules associated with the card number are identified and access to the requested facility is authorized in accordance with the identified set of rules. In addition, a second request comprising data indicative of the card number is received at a second node. When the second request comprises a payment request, a payment provider associated with the card number is identified and the payment request is transmitted to the payment provider.

Claims (73)

1. A method of processing requests comprising data indicative of a card number, the method comprising:

receiving, at a first network node, a first request comprising data indicative of a card number;

operating a processor to:

determine that the first request comprises a request for access at an entry point to a-facility due to the request including insufficient information to be a payment request, the entry point remote from the first network node;

identify a set of rules associated with the card number; and

authorize access to the requested facility in accordance with the identified set of rules;

receiving, at a second network node, a second request comprising data indicative of the card number; and

operating a second processor to:

determine that the second request comprises a payment request;

identify a payment provider associated with the card number; and

transmit the payment request to the identified payment provider.

2. The method of claim 1 , wherein at least one of the first request and the second request is received via one or more of:

a magnetic card reader;

an integrated circuit card terminal;

a radio frequency identification receiver; and

a Bluetooth™ receiver.

3. The method of claim 1 , further comprising operating the processor to:

identify a number of requests for access to the facility that are received over a predefined period of time; and

allocate a resource in accordance with the identified number of requests.

4. The method of claim 3 , wherein operating the processor to determine that the first request comprises the request for access to the facility comprises operating the processor to:

identify, in the first request, a parameter indicative of the requested facility.

5. The method of claim 4 , wherein the first request is received from a terminal located at the entry point to the facility, and wherein the parameter is indicative of the terminal location.

6. The method of claim 5 , wherein operating the processor to allocate a resource in accordance with the identified number of requests comprises operating the processor to:

activate at least one further terminal to receive requests for access to the facility.

7. The method of claim 1 , wherein operating the processor to identify the set of rules associated with the card number comprises operating the processor to:

determine a condition for authorized access to the facility by a holder of the card.

8. The method of claim 7 , wherein the condition comprises at least one of:

a predefined period of time for which the card number is authorized to access the facility;

a predefined number of occasions on which the card number is authorized to access the facility; and

a type of facility which the card number is authorized to access.

9. The method of claim 7 , wherein operating the processor to authorize access to the requested facility in accordance with the identified set of rules comprises operating the processor to:

authorize access to the requested facility in response to determining that the received request for access meets the condition; and

refuse access to the requested facility in response to determining that the received request for access does not meet the condition.

10. The method of claim 1 , wherein the card number is a virtual card number.

11. The method of claim 1 , wherein operating the processor to identify the set of rules associated with the card number comprises operating the processor to:

identify a parent card number associated with the card number;

determine the set of rules associated with the parent card number; and

apply the set of rules associated with the parent card number to the card number.

12. The method of claim 1 , wherein operating the second processor to identify the payment provider comprises operating the processor to:

identify a parent card number associated with the card number;

determine a parent payment provider associated with the parent card number; and

identify the payment provider for the card number as the parent payment provider.

13. The method of claim 12 , further comprising operating the second processor to:

identify at least one payment parameter associated with the payment request;

compare the identified payment parameter to a set of authorized payment parameters associated with the card number;

determine, based on said comparison, whether the payment request is an allowable payment request; and

responsive to determining that the payment request is an allowable payment request, effect payment from an account associated with the parent card number.

14. The method of claim 1 , wherein one or more of the first request and the second request is received from a mobile computing device.

15. The method of claim 14 , wherein the mobile computing device comprises a smartphone, and the one or more of the first request and the second request is received via a radio frequency identification receiver.

16. A system for processing a request comprising a card number, the system comprising:

a first node configured to receive a first request comprising data indicative of a card number from a terminal located at an entry point to a facility;

a first processor configured to:

determine that the first request comprises a request for access at the entry point to the facility, the first processor being remote from the entry point of the facility;

identify a set of rules associated with the card number; and

authorize access to the requested facility in accordance with the identified set of rules;

a second network node configured to receive a second request comprising said data; and

a second processor configured to:

determine that the second request comprises a payment request;

identify a payment provider associated with the card number; and

transmit the payment request to the determined payment provider.

17. The system of claim 16 , wherein the first network node is the same as the second network node.

18. The system of claim 16 , wherein the first processor is the same as the second processor.

19. A non-transitory computer-readable medium comprising instructions which, when executed, cause a processor to:

receive a first request comprising data indicative of a card number, and with regard to the first request:

determine that the first request comprises a request for access to a facility;

identify a parent card number associated with the card number;

identify a set of rules associated with the parent card number; and

authorize access to the requested facility in accordance with the identified set of rules; and

receive a second request comprising data indicative of the card number, and with regard to the second request:

determine that the second request comprises a payment request;

identify a payment provider associated with the parent card number; and

transmit the payment request to the determined payment provider.

20. The non-transitory computer-readable medium of claim 19 , wherein the card number includes a virtual card number.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Nov 18, 2014
From: LYNCH, RICHARD
To: MASTERCARD INTERNATIONAL INCORPORATED
Reel/Frame 034199/0239 →
Priority Claims (1)
GB 1320220.5 · Nov 15, 2013 · national
Continuity (1)
Related Publication 20150136848A1 · May 21, 2015