Technical fallback infrastructure
First Claim
1. A computer-implemented method of processing, by a payment processing system, a payment transaction between a customer and a merchant associated with a point-of-sale (POS) terminal, the method comprising:
- receiving, as an input from the customer, at least one payment object into one of a magnetic stripe object reader or a Europay-Mastercard-Visa (EMV) object reader, capable of being communicatively coupled to the POS terminal, wherein the magnetic stripe object reader, the EMV object reader and the POS terminal together form a POS system for processing the payment transaction between the merchant and the customer;
and wherein the magnetic stripe object reader includes a magnetic read head to read a magnetic stripe of the payment object as the payment object is swiped through a groove of the magnetic stripe object reader;
and wherein the EMV object reader includes electrical contacts in a slot to connect with a chip of the payment object when it is inserted into the slot;
encrypting, by the magnetic stripe object reader, data read off the payment object obtained from the magnetic stripe object reader, wherein the encrypted data includes at least (i) an encrypted value of a service code indicating whether the payment object includes a magnetic stripe or a magnetic stripe and the chip and an encrypted value of a POS entry code indicating that the magnetic stripe was swiped instead of inserting the chip into the EMV object reader;
receiving, by the POS terminal, the encrypted data from the magnetic stripe object reader in response to the payment transaction;
detecting, by the POS terminal, a connection status indicator indicating whether the POS terminal is connected to the magnetic stripe object reader, or the EMV object reader, or both;
communicating, by the POS terminal and to the payment processing system communicatively coupled to the POS system, the connection status indicator and encrypted data including the service code and the POS entry code;
determining, by the payment processing system, and based on analysis of the connection status indicator and the encrypted data, whether the magnetic stripe of the payment object was swiped while the EMV object reader was communicatively coupled to the POS terminal;
if the determination indicates that the magnetic stripe of the payment object was swiped while the EMV object reader was not communicatively coupled to the POS terminal, authorizing, via the payment processing system, the payment transaction as a magnetic stripe payment transaction, wherein the authorizing further includes causing a transfer of an amount of funds corresponding to the payment transaction from a customer'"'"'s financial account to a merchant'"'"'s financial account;
if the determination indicates that the magnetic stripe of the payment object was swiped while the EMV object reader was communicatively coupled to the POS terminal,extracting, by the payment processing system, a transaction count in response to the payment transaction, wherein the transaction count indicates a number of instances the EMV object reader had failed to read the chip of the payment object inserted in the EMV object reader; and
comparing the transaction count with a threshold count;
if the transaction count is greater than the threshold count, authorizing, via the payment processing system, the payment transaction as a technical fallback transaction, wherein the authorizing further includes causing the transfer of the amount of funds corresponding to the payment transaction from the customer'"'"'s financial account to the merchant'"'"'s financial account;
if the transaction count is equal to or less than the threshold count,rejecting the payment transaction as an invalid EMV payment transaction; and
generating an instruction set for the customer, wherein the instruction set when executed allows the customer to insert the chip of the payment object in the EMV object reader instead of swiping the magnetic stripe of the payment object in the magnetic stripe object reader.
2 Assignments
0 Petitions
Accused Products
Abstract
In some examples, methods and systems may institute technical fallback by determining, by a payment processing system, and based on analysis of the communication status indicator and the data obtained when a magnetic stripe of the payment object is introduced in magnetic stripe object reader, whether the payment object was swiped while an EMV object reader was communicatively coupled to the POS terminal. If the magnetic stripe of the payment object was swiped while the EMV object reader was connected to the POS terminal, the payment processing system extracts a transaction count indicating a number of times the customer has attempted to insert a chip of the payment object into the EMV object reader prior to swiping magstripe. By comparing the transaction count with a threshold count, the payment processing system authorizes the payment transaction as a technical fallback transaction if the transaction count is greater than the threshold count.
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Citations
21 Claims
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1. A computer-implemented method of processing, by a payment processing system, a payment transaction between a customer and a merchant associated with a point-of-sale (POS) terminal, the method comprising:
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receiving, as an input from the customer, at least one payment object into one of a magnetic stripe object reader or a Europay-Mastercard-Visa (EMV) object reader, capable of being communicatively coupled to the POS terminal, wherein the magnetic stripe object reader, the EMV object reader and the POS terminal together form a POS system for processing the payment transaction between the merchant and the customer; and wherein the magnetic stripe object reader includes a magnetic read head to read a magnetic stripe of the payment object as the payment object is swiped through a groove of the magnetic stripe object reader; and wherein the EMV object reader includes electrical contacts in a slot to connect with a chip of the payment object when it is inserted into the slot; encrypting, by the magnetic stripe object reader, data read off the payment object obtained from the magnetic stripe object reader, wherein the encrypted data includes at least (i) an encrypted value of a service code indicating whether the payment object includes a magnetic stripe or a magnetic stripe and the chip and an encrypted value of a POS entry code indicating that the magnetic stripe was swiped instead of inserting the chip into the EMV object reader; receiving, by the POS terminal, the encrypted data from the magnetic stripe object reader in response to the payment transaction; detecting, by the POS terminal, a connection status indicator indicating whether the POS terminal is connected to the magnetic stripe object reader, or the EMV object reader, or both; communicating, by the POS terminal and to the payment processing system communicatively coupled to the POS system, the connection status indicator and encrypted data including the service code and the POS entry code; determining, by the payment processing system, and based on analysis of the connection status indicator and the encrypted data, whether the magnetic stripe of the payment object was swiped while the EMV object reader was communicatively coupled to the POS terminal; if the determination indicates that the magnetic stripe of the payment object was swiped while the EMV object reader was not communicatively coupled to the POS terminal, authorizing, via the payment processing system, the payment transaction as a magnetic stripe payment transaction, wherein the authorizing further includes causing a transfer of an amount of funds corresponding to the payment transaction from a customer'"'"'s financial account to a merchant'"'"'s financial account; if the determination indicates that the magnetic stripe of the payment object was swiped while the EMV object reader was communicatively coupled to the POS terminal, extracting, by the payment processing system, a transaction count in response to the payment transaction, wherein the transaction count indicates a number of instances the EMV object reader had failed to read the chip of the payment object inserted in the EMV object reader; and comparing the transaction count with a threshold count; if the transaction count is greater than the threshold count, authorizing, via the payment processing system, the payment transaction as a technical fallback transaction, wherein the authorizing further includes causing the transfer of the amount of funds corresponding to the payment transaction from the customer'"'"'s financial account to the merchant'"'"'s financial account; if the transaction count is equal to or less than the threshold count, rejecting the payment transaction as an invalid EMV payment transaction; and generating an instruction set for the customer, wherein the instruction set when executed allows the customer to insert the chip of the payment object in the EMV object reader instead of swiping the magnetic stripe of the payment object in the magnetic stripe object reader. - View Dependent Claims (2, 3, 4)
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5. A computer-implemented method of processing a payment transaction between a customer and a merchant, the method comprising:
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receiving, from a point-of-sale (POS) terminal, data read off a payment object introduced in a magnetic stripe object reader communicatively coupled to the POS terminal, wherein the magnetic stripe object reader includes a magnetic read head to read a magnetic stripe of a payment object as the payment object is swiped through a groove of the magnetic stripe object reader; receiving, from the POS terminal, a connection status indicator indicating whether or not an EMV object reader is communicatively coupled to the POS terminal, the EMV object reader having electrical contacts in a slot to connect with a chip of the payment object when it is inserted into the slot; determining, by the payment processing system, and based on analysis of the connection status indicator and the data from the magnetic stripe object reader, whether the payment object has a magnetic stripe or a chip and whether the payment object was swiped while the EMV object reader was communicatively coupled to the POS terminal; if the determination indicates that the magnetic stripe of the payment object was swiped while the EMV object reader was communicatively coupled to the POS terminal, extracting, by the payment processing system, a transaction count indicating a number of times the customer has attempted to insert the chip of the payment object into the EMV object reader connected thereto for the payment transaction; comparing the transaction count with a threshold count; and authorizing, via the payment processing system, the payment transaction as a technical fallback transaction if the transaction count is greater than the threshold count. - View Dependent Claims (6, 7, 8, 9, 10, 11, 12, 13)
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14. A payment processing system for facilitating a technical fallback transaction, the payment processing system comprising:
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a memory; a processor to execute instructions stored in the memory to; receive, from a point-of-sale (POS) terminal, data read off a payment object introduced in a magnetic stripe object reader communicatively coupled to the POS terminal, wherein the magnetic stripe object reader includes a magnetic read head to read a magnetic stripe of the payment object as the payment object is swiped through a groove of the magnetic stripe card reader; receive, from the POS terminal, a connection status indicator indicating whether or not an EMV object reader is communicatively coupled to the POS terminal, the EMV object reader having electrical contacts in a slot to connect with a chip of the payment object when it is inserted into the slot; determine, by the payment processing system, and based on analysis of the connection status indicator and the data from the magnetic stripe object reader, whether the payment object was swiped while the EMV object reader was communicatively coupled to the POS terminal; if the determination indicates that the magnetic stripe of the payment object was swiped while the EMV object reader was communicatively coupled to the POS terminal, extract, by the payment processing system, a transaction count indicating a number of times a customer has attempted to insert the chip of the payment object into the EMV object reader connected thereto; compare the transaction count with a threshold count; and authorize, via the payment processing system, the payment transaction as a technical fallback transaction if the transaction count is greater than the threshold count. - View Dependent Claims (15, 16, 17, 18)
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19. One or more non-transitory computer-readable media maintaining instructions of a first instance of an application that, when executed by one or more processors, program the one or more processors to:
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receive, from a point-of-sale (POS) terminal, data read off a payment object introduced in a magnetic stripe object reader communicatively coupled to the POS terminal, wherein the magnetic stripe object reader includes magnetic read heads to read a magnetic stripe of the payment object as the payment object is swiped through a groove of the magnetic stripe card reader; receive, from the POS terminal, a connection status indicator indicating whether or not an EMV object reader is communicatively coupled to the POS terminal, the EMV object reader having electrical contacts in a slot to connect with a chip of the payment object when it is inserted into the slot; determine, by the payment processing system, and based on analysis of the connection status indicator and the data from the magnetic stripe object reader, whether the payment object was swiped while the EMV object reader was communicatively coupled to the POS terminal; if the determination indicates that the magnetic stripe of the payment object was swiped while the EMV object reader was communicatively coupled to the POS terminal, extract, by the payment processing system, a transaction count indicating a number of times the customer has attempted to insert a chip of the payment object into the EMV object reader connected thereto; compare the transaction count with a threshold count; and authorize, via the payment processing system, the payment transaction as a technical fallback transaction if the transaction count is greater than the threshold count. - View Dependent Claims (20, 21)
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Specification