SYSTEM AND METHOD FOR RESTRICTED TRANSACTION PROCESSING

TransitCard Transit Account 117 Transit Access Device 113 Portable Device User 105 120 Resource Provider Access Device 123 Primary Account 127 Transit Agency Computer 115 Authorizing Entity Computer 125 Insurer Computer 135 Healthcare Spending Card 130 Healthcare Access Device 133 Healthcare Spending Account 137 (12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (43) International Publication Date 08 November 2018 (08.11.2018) WIPO I PCT ~ill IIIIIIIIII1101OlDIIIIIIIHo o oloIIIIIMDIIHIIIIIIIIIIIIIIII DIIIIII (10) International Publication Number WO 2018/204456 Al (51) International Patent Classification: G06Q 20/10 (2012.01) G06Q 20/40 (2012.01) G06Q 20/38 (2012.01) (21) International Application Number: PCT/US2018/030588 (22) International Filing Date: 02 May 2018 (02.05.2018) (25) Filing Language: English (26) Publication Language: English (30) Priority Data: 15/585,674 03 May 2017 (03.05.2017) US (71) Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION [US/US]; 900 Metro Center Boulevard, Foster City, CA 94404 (US). (72) Inventors: ALTENHOFEN, Meredith; 1800 Pacific Av- enue, Apt. 406, San Francisco, CA 94109 (US). TRU- ELSON, Chris; 300 Maplehurst Point, Highlands Ranch, CO 80126 (US). WANG, Quan; 1110 Decatur Street, Fos- ter City, CA 94404 (US). (74) Agent: BAKER, Amanda et al.; Kilpatrick Townsend & Stockton LLP, Mailstop: IP Docketing - 22 1100 Peachtree Street, Atlanta, GA 30309 (US). (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, (54) Title: SYSTEM AND METHOD FOR RESTRICTED TRANSACTION PROCESSING FIG. (57) : According to some embodiments of the invention, both open loop and closed loop processing may be implemented by a transaction processor. For general, unrestricted transactions, the transaction processor may direct authorization to an open loop primary authorizing entity associated with a primary account number (PAN). For restricted transactions, the transaction processor may determine the appropriate closed loop authoriz