Alternative payment implementation for electronic retailers

• US 10,169,748 B2
• Filed: 06/23/2014
• Issued: 01/01/2019
• Est. Priority Date: 06/03/2008
• Status: Active Grant

• Current Assignee: CardinalCommerce Corporation (Visa, Inc.)
• Original Assignee: CardinalCommerce Corporation (Visa, Inc.)
• Inventors: Balasubramanian, Chandra S., Keresman, III, Michael A., Goodman, Eric, Ratica, Adam, Rauhe, Scott
• Primary Examiner(s): Crawley, Talia F
• Application Number:
  US14/311,965
• Publication Number:
  US 20150012371A1
• Time in Patent Office: 1,653 Days
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/22 Payment schemes or models
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• 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 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

A system and method process a transaction between a merchant and a consumer at a point of sale (POS). Transaction information for the transaction is received from the consumer at the POS. The transaction information identifies an alternative payment option of an alternative payment provider to use for the transaction. A universal merchant platform (UMP) is requested to approve the transaction with the alternative payment provider of the identified alternative payment option. The request includes the received transaction information and is provided to the UMP according to a unified payment implementation. In response to approval of the transaction, an order identifier is received from the UMP. The order identifier uniquely identifies the transaction. The UMP is requested to authorize and/or capture funds for the transaction using a payment implementation specific to the alternative payment provider of the identified alternative payment option.

Claims

1. An apparatus for processing a transaction between a merchant and a consumer at a point of sale (POS), said apparatus comprising:

a POS control system comprising one or more processors configured to;

receive POS transaction information from the consumer via a POS consumer device, the transaction information identifying at least an alternative payment option of an alternative payment provider to use for the transaction;

send a request to a universal merchant platform (UMP) for approval of the transaction with the alternative payment provider of the identified alternative payment option, and provide the request for approval to the UMP according to a unified payment implementation;

receive an order identifier from the UMP, the order identifier uniquely identifying the transaction;

send a request the UMP to authorize and capture funds for the transaction using a payment implementation specific to the alternative payment provider of the identified alternative payment option, the request to authorize and capture the funds for the transaction identifying the transaction with the received order identifier and provided to the UMP according to the unified payment implementation; and

operate a UMP plugin run on the POS control system, the UMP plugin being configured to;

store payment information required for each alternative payment provider of a plurality of alternative payment providers; and

using the stored payment information, define a configuration of the POS consumer device, the configuration defining a user interface to collect payment information required by the alternative payment provider of the identified alternative payment option; and

wherein the one or more processors are further configured to send the configuration to the POS consumer device.

2. The apparatus according to claim 1, wherein the one or more processors are configured to receive the POS transaction information by:

receiving identification of the alternative payment option from the consumer;

configuring a user interface to collect transaction information required to carry out the transaction using the identified alternative payment option, the user interface configured specifically for the identified alternative payment option; and

,

receiving the required transaction information from the consumer from the user interface.

3. The apparatus according to claim 2, wherein the one or more processors are further configured to receive the identification of the alternative payment option from a second user interface, different than the user interface.

4. The apparatus according to claim 3, wherein the one or more processors are further configured to:

receive order information identifying goods and/or services and/or customer information identifying the consumer from the second user interface, the transaction information including the order information and/or the customer information.

5. The apparatus according to claim 3, wherein the POS consumer device is configured to display the user interface to the consumer and the one or more processors of the POS control system are configured to display the second user interface to the merchant.

6. The apparatus according to claim 1,

wherein the UMP plugin is a java applet.

7. The apparatus according to claim 1, further including:

an order management system of the merchant configured to generate the request to authorize and capture the funds.

8. The apparatus according to claim 1, wherein the one or more processors of the POS control system are further configured to:

after authorizing and capturing the funds, receive a request for a refund from the consumer; and

in response to the request for the refund, request the UMP to refund funds for the transaction using the payment implementation specific to the alternative payment provider of the identified alternative payment option, the request identifying the transaction with the order identifier and provided to the UMP according to the unified payment implementation.

9. The system according to claim 1, wherein the payment implementation specific to the alternative payment provider of the identified alternative payment option defines message formats, response codes and communication protocols.

21. The apparatus according to claim 1, wherein:

the UMP plugin is configured to generate the request for approval.

10. A method for processing a transaction between a merchant and a consumer at a point of sale (POS), said method comprising:

receiving via a POS consumer device POS transaction information from the consumer, the transaction information identifying an alternative payment option of an alternative payment provider to use for the transaction;

sending a request by a POS control system a universal merchant platform (UMP) to approve the transaction with the alternative payment provider of the identified alternative payment option, the UMP providing a unified payment implementation for transacting with a plurality of alternative payment providers, including the alternative payment provider, and the request for approval including the received transaction information, wherein the request for approval is provided to the UMP according to the unified payment implementation;

in response to approval of the transaction, receiving by the POS control system an order identifier from the UMP, the order identifier uniquely identifying the transaction; and

,

requesting by the POS control system the UMP to authorize and capture funds for the transaction using a payment implementation specific to the alternative payment provider of the identified alternative payment option, the request to authorize and capture the funds identifying the transaction with the received order identifier and provided to the UMP according to the unified payment implementation.

11. The method according to claim 10, wherein receiving the POS transaction information includes:

receiving identification of the alternative payment option from the consumer;

configuring a user interface to collect transaction information required to carry out the transaction using the identified alternative payment option, the user interface configured specifically for the identified alternative payment option; and

,

receiving the required transaction information from the consumer using the user interface.

12. The method according to claim 11, wherein identification of the alternative payment option is received using a second user interface, different than the user interface.

13. The method according to claim 12, wherein the method further includes:

receiving order information identifying goods and/or services and/or customer information identifying the consumer, using the second user interface, the transaction information including the order information and/or the customer information.

14. The method according to claim 12, wherein the user interface is displayed to the consumer using the POS consumer device and the second user interface is displayed to the merchant using the POS control system.

15. The method according to claim 10, further including:

generating the request for approval using a UMP plugin, the UMP plugin being a java applet.

16. The method according to claim 10, further including:

generating the request to authorize and capture the funds using an order management system of the merchant.

17. The method according to claim 10, further including:

after authorizing and capturing the funds, receiving a request for a refund from the consumer; and

in response to the request for the refund, requesting the UMP to refund funds for the transaction using the payment implementation specific to the alternative payment provider of the identified alternative payment option, the request identifying the transaction with the order identifier and provided to the UMP according to the unified payment implementation.

18. The method according to claim 10, wherein the payment implementation specific to the alternative payment provider of the identified alternative payment option defines message formats, response codes and communication protocols.

19. A non-transitory computer readable medium carrying software which controls at least one processor to perform the method according to claim 10.

24. The method according to claim 10, further comprising:

operating a UMP plugin run on the POS control system by;

storing payment information required for each alternative payment provider of a plurality of alternative payment providers; and

using the stored payment information, defining a configuration of the POS consumer device, the configuration defining a user interface to collect payment information required by the alternative payment provider of the identified alternative payment option; and

wherein the method further comprises sending the configuration to the POS consumer device.

20. A system for processing a transaction between a merchant and a consumer at a point of sale (POS), said system comprising:

a point of sale consumer device including a display device; and

a POS control system including at least one processor, the at least one processor configured to;

receive first transaction information for the transaction from the consumer at the POS, wherein the first transaction information includes order information and/or customer information and identifies an alternative payment option of an alternative payment provider to use for the transaction, and wherein the first transaction information is received using a first user interface displayed to a representative of the merchant on a display device of the point of sale system;

configure a second user interface to collect second transaction information from the consumer at the POS, the second transaction information including transaction information required to carry out the transaction using the identified alternative payment option, the second user interface configured specifically for the identified alternative payment option;

receive the second transaction information from the consumer using the second user interface, wherein the second transaction information is displayed on the display device of the point of the sale consumer device;

request a universal merchant platform (UMP) to approve the transaction with the alternative payment provider of the identified alternative payment option, wherein the request for approval is provided to the UMP according to the unified payment implementation;

in response to approval of the transaction, receive an order identifier from the UMP, the order identifier uniquely identifying the transaction; and

request the UMP to authorize and capture funds for the transaction using a payment implementation specific to the alternative payment provider of the identified alternative payment option.

22. The system according to claim 20, wherein:

the at least one processor is configured to operate a UMP plugin run on the POS control system; and

the UMP plugin is configured to;

define a configuration of the POS consumer device, the configuration defining a user interface to collect payment information required by the alternative payment provider of the identified alternative payment option.

23. The system according to claim 20, wherein:

the at least one processor is configured to operate a UMP plugin run on the POS control system;

the UMP plugin is configured to;

store payment information required for each alternative payment provider of a plurality of alternative payment providers; and

using the stored payment information, define a configuration of the POS consumer device, the configuration defining a user interface to collect payment information required by the alternative payment provider of the identified alternative payment option; and

the at least one processor is further configured to send the configuration to the POS consumer device.