Systems and methods to communicate with transaction terminals

• US 10,078,838 B2
• Filed: 12/11/2015
• Issued: 09/18/2018
• Est. Priority Date: 07/13/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Fuerstenberg, Zack, Cueli, Allen
• Primary Examiner(s): Hayles, Ashford S
• Application Number:
  US14/966,893
• Publication Number:
  US 20160098713A1
• Time in Patent Office: 1,012 Days
• Field of Search: 705 18
• CPC Class Codes: G06F 21/44 Program or device authentication
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• 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
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G07F 9/001 Interfacing with vending machines using mobile or wearable devices
• CPC Class Codes: G07F 9/009 User recognition or proximity detection

Abstract

A transaction terminal is configured with an application that is configured to present a user interface for out-of-band communication with a transaction handler during the processing of a payment transaction. The transaction handler is configured to invoke the application in the transaction terminal via transmitting a predetermined code in an authorization response message.

Claims

1. A computing apparatus, comprising:

a processor configured on an electronic communication network to which transaction terminals are attached, the processor further configured to detect a transaction

that is submitted by a transaction terminal via the electronic communication network, and

that satisfies a trigger record, where the trigger record identifies an operation; and

a data warehouse coupled with the processor and configured to store data identifying requirements of the operation;

wherein in response to a determination that the detected transaction satisfies the requirements of the operation, in addition to requirements specified in the trigger record, the processor provides an indicator of connection request in an authorization response transmitted for the transaction in the electronic communication network;

wherein the indicator of connection request provided in the authorization response causes the transaction terminal receiving the authorization response to initiate a connection, made outside the electronic communication network, with a portal having user interface data defining a user interface;

wherein the portal is configured to

accept the connection from the transaction terminal in accordance with the indicator of connection request provided in the authorization response,

identify the operation for the connection based at least in part a transaction identifier of the transaction, and

communicate the user interface data to the transaction terminal over the connection; and

wherein the transaction terminal is configured to present the user interface for the operation at a predetermined stage of transaction processing of the transaction, in accordance with the user interface data defining the user interface.

2. The computing apparatus of claim 1, wherein the user interface presented on the transaction terminal is under control of the portal via the user interface data.

3. The computing apparatus of claim 2, wherein the indicator of connection request includes a predetermined code.

4. The computing apparatus of claim 3, wherein the connection is not made in absence of the predetermined code.

5. The computing apparatus of claim 2, wherein the indicator of connection request includes an address to make the connection.

6. The computing apparatus of claim 1, wherein the processor is a transaction handler of the electronic communication network.

7. The computing apparatus of claim 1, wherein the authorization response is transmitted in the electronic communication network through an acquirer to the transaction terminal;

and the connection, made outside the electronic communication network, does not go through the acquirer.

8. The computing apparatus of claim 1, wherein the data warehouse is further configured to store data associating the operation with the user interface data.

9. The computing apparatus of claim 1, wherein the user interface presented on the transaction terminal is configured to perform authentication challenge and response.

10. The computing apparatus of claim 1, wherein the user interface presented on the transaction terminal is configured to implement an offer redemption mechanism.

11. The computing apparatus of claim 1, wherein the user interface data defines the user interface in a markup language.

12. The computing apparatus of claim 11, wherein the user interface presented on the transaction terminal is configured to receive data for transmission to the portal over the connection.

13. The computing apparatus of claim 1, wherein the indicator of connection request is configured to cause an application running in background in the transaction handler to present the user interface.

14. The computing apparatus of claim 1, further comprising the portal.

15. A computing apparatus, comprising:

a transaction handler configured on an electronic payment processing network to

receive authorization requests from transaction terminals for payment transactions, and

provide authorization responses for the payment transactions to the transaction terminals;

a data warehouse configured to store data associating with an operation with user interface data; and

a portal coupled with the data warehouse and the transaction handler and configure to communicate with the transaction terminals outside the electronic payment processing network;

wherein in response to a determination that a transaction satisfies conditions required by the operation, the transaction handler is configured to provide an indicator of connection request in an authorization response transmitted in the electronic payment processing network to a transaction terminal, responsive to an authorization request received in the electronic payment processing network from the transaction terminal for the transaction;

wherein the indicator of connection request provided in the authorization response transmitted in the electronic payment processing network causes an application running inside the transaction terminal to establish a connection to the portal outside the electronic payment processing network;

wherein the portal is configured to

accept the connection from the transaction terminal,

identify the operation for the connection based on the transaction identifier of the transaction, and

communicate, over the connection, the user interface data to the transaction terminal, the user interface data causing the transaction terminal to present a user interface for the operation at a predetermined processing stage of the transaction.

16. The computing apparatus of claim 15, wherein the user interface presented on the transaction terminal and the connection between the portal and the transaction terminal provide a channel for the portal to interact with a user of the user interface.

17. The computing apparatus of claim 16, wherein the portal is configured to perform authentication challenge and response via the user interface presented on the transaction terminal.

18. The computing apparatus of claim 16, wherein the portal is configured to receive input from the user for offer redemption via the user interface presented on the transaction terminal.

19. The computing apparatus of claim 16, wherein the portal is configured to control the application via the connection.

20. The computing apparatus of claim 16, wherein the user interface data defines the user interface presented on the transaction terminal.