Patent ID: 9454752
Filing Date: 2016-09-27
CPC Classification: G06Q,G07C

Claim Text:
1. A method, comprising: receiving, by an issuer system, a reload protocol update request from a Radio Frequency (RF) payment device in RF communication with an RFID reader via a merchant system, wherein the RFID reader includes an RF module communicatively connected to a control module communicatively connected to an antenna, and wherein the RF payment device includes an antenna communicatively connected to an transponder communicatively connected to processing circuitry; updating, by the issuer system, a reload protocol data file in response to the reload protocol update request, wherein the reload protocol data file and the reload protocol update request are associated with an RF payment device identifier in an issuer system database; receiving, by the issuer system, an RF payment device transaction request from the RF payment device in RF communication with the RFID reader via the merchant system, the RF payment device transaction request comprising a transaction value; requesting, by the issuer system, a fund value corresponding to the transaction value of the RF payment device transaction request from a preloaded value data file maintained in a database and associated with the RF payment device identifier in response to an instruction from the reload protocol data file; increasing, by a preloaded value authorization server, the preloaded value data file maintained in the database by an amount of the transaction value from a first funding source maintained by an issuer server, the preloaded value data file maintained in the database functioning as a placeholder including a zero value prior to the increasing the preloaded value data file maintained in the database by the amount of the transaction value from the first funding source maintained by the issuer server; and processing, by the issuer system, the RF payment device transaction request in response to the increasing the preloaded value data file maintained in the database, the processing including debiting the preloaded value data file maintained in the database of the amount of the transaction value thereby maintaining the zero value of the preloaded value data file maintained in the database.