System for payment via electronic wallet

• US 10,037,526 B2
• Filed: 08/06/2014
• Issued: 07/31/2018
• Est. Priority Date: 01/08/2010
• Status: Active Grant

• Current Assignee: Blackhawk Network Incorporated (Albertsons Cos., Inc.)
• Original Assignee: Blackhawk Network Incorporated (Albertsons Cos., Inc.)
• Inventors: Campos, Tomas Ariel
• Primary Examiner(s): Ebersman, Bruce I
• Assistant Examiner(s): Gaw, Mark H
• Application Number:
  US14/452,829
• Publication Number:
  US 20140344149A1
• Time in Patent Office: 1,455 Days
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

A method includes receiving a request to process, against an electronic wallet, a portion of a transaction, an electronic wallet optionally comprising a sub-wallet, the transaction processed against the wallet and/or sub-wallet. The method further includes identifying one or more electronic value tokens in the e-wallet and/or sub-wallet that, when used together, will cover the portion of the transaction. The method further includes applying the electronic value tokens to the portion of the transaction.

Claims

1. A computer-implemented method to transmit transaction information and authentication information to value token issuers in proxy card transactions, comprising:

receiving, by one or more computing devices and from a merchant computing device associated with a merchant, a first transaction request to authorize a proxy card transaction wherein the transaction information is separate from the authentication information to increase the efficiency of the one or more computing devices, the first transaction request identifying a value token of a user for conducting the transaction;

selecting, by the one or more computer devices, at least one account associated with the value token for the transaction;

determining, by the one or more computing devices, that the first transaction request is improperly formatted, wherein determining is performed by an electronic value token transaction computer, wherein said determining comprises determining if the transaction fields are populated with data and that the data is in a correct format;

modifying, by the one or more computing devices, a transaction format of the first transaction request to a modified transaction format in response to a determination that an authorization system does not accept the transaction format provided in the first transaction request, the modified transaction format being associated with the authorization system for the first transaction request, wherein the modified transaction format corresponds to the merchant and is provided by an electronic value token transaction computer;

establishing, by the one or more computing devices, a database comprising a list of merchant transaction formats;

determining, by the one or more computing devices, the merchant associated with the transaction;

modifying, by the one or more computing devices, the transaction format according to transaction formatting associated with the merchant;

communicating, by the one or more computing devices, a second transaction request to perform the transaction to the authorization system associated with the selected at least one account, the second transaction request comprising the modified transaction format;

receiving, by the one or more computing devices, a first confirmation message for the transaction from the authorization system, confirming the transaction using the selected at least one account; and

communicating, by the one or more computing devices, a second confirmation for the transaction to the merchant computing device in response to receiving the first confirmation for the transaction from the authorization system, confirming the transaction using the selected value token.

2. The computer-implemented method of claim 1, further said determining comprises determining if a Bank Identification Number (BIN) associated with the value token corresponds to Universal Product Code (UPC) information provided with the transaction request.

3. The computer-implemented method of claim 1, wherein the data includes identification of the merchant.

4. A computer program product, comprising:

a non-transitory computer-readable storage device having computer-readable program instructions embodied thereon that when executed by a computer perform a method to transmit transaction information and authentication information, wherein the transaction information is separate from the authentication information to increase the efficiency of the computer, and wherein the transaction information comprises transaction formatting provided to value token issuers in proxy card transactions, the computer-readable program instructions comprising;

computer program instructions to receive, from a merchant computing device associated with a merchant, a first transaction request to authorize a proxy card transaction, the first transaction request identifying a value token of a user for payment of the transaction in a first transaction format;

computer program instructions to select at least one account associated with the value token to fund the transaction;

computer program instructions to determine that an authorization system does not accept the transaction format provided in the first transaction request, wherein the computer program instructions are also to determine if the transaction fields are populated with data and that the data is in a correct format;

computer program instructions to modify the transaction format to a modified format in response to a determination that the authorization system does not accept the transaction format provided in the first transaction request, the modified format being associated with a transaction format utilized by the authorization system, wherein the modified format corresponds to the merchant and is provided by an electronic value token transaction computer;

computer program instructions to establish a database comprising a list of value token issuer transaction formats;

computer program instructions to determine the value token issuer associated with the transaction;

computer program instructions to modify the transaction format according to transaction formatting associated with the value token issuer;

computer program instructions to communicate a second transaction request to perform the transaction to the authorization system associated with the selected at least one account, the second transaction request comprising the modified format;

computer program instructions to receive a confirmation for the transaction from the authorization system confirming the transaction using the selected at least one account; and

computer program instructions to communicate the confirmation to the merchant computing device.

5. The computer program product of claim 4, wherein the determine step comprises computer program instructions to determine if a Bank Identification Number (BIN) associated with the value token corresponds to Universal Product Code (UPC) information provided with the transaction request.

6. The computer program product of claim 4, wherein the data includes identification of the merchant.

7. A system to transmit transaction information and authentication information to value token issuers in proxy card transactions, the system comprising:

a storage resource;

a network module; and

a processor communicatively coupled to the storage resource and the network module, wherein the processor executes application code instructions that are stored in the storage resource and that cause the system to;

receive from a merchant computing device associated with a merchant, a first transaction request to conduct a proxy card transaction, the first transaction request identifying a value token of a user for payment of the transaction and a first transaction format and wherein the transaction information is separate from the authentication information to increase the efficiency of the processor;

select at least one account associated with the value token to fund the transaction;

determine that an authorization system does not accept the transaction format provided in the first transaction request, wherein said determination comprises determining if the transaction fields are populated with data and that the data is in a correct format;

modify the transaction format to a modified transaction format in response to a determination that the authorization system does not accept the transaction format provided in the first transaction request, the modified transaction format being associated with a transaction format utilized by the authorization system, wherein the modified transaction format corresponds to the merchant and is provided by an electronic value token transaction computer;

establish a data base comprising a list of merchant transaction formats;

determine the merchant associated with the transaction;

modify the transaction format according to the transaction formatting associated with the merchant;

communicate a second transaction request to perform the transaction to the authorization system associated with the selected at least one account, the second transaction request comprising the modified transaction format;

receive confirmation of the transaction from the authorization system to fund the transaction using the selected at least one account; and

communicate confirmation of the transaction to the merchant computing device in response to receiving the confirmation from the authorization system.

8. The system of claim 7, wherein said determining comprises determining if a Bank Identification Number (BIN) associated with the value token corresponds to Universal Product Code (UPC) information provided with the transaction request.

9. The system of claim 7, wherein the data includes identification of the merchant.