Pending deposit for payment processing system

• US 10,192,214 B2
• Filed: 03/11/2013
• Issued: 01/29/2019
• Est. Priority Date: 03/11/2013
• Status: Active Grant

• Current Assignee: Google LLC (Alphabet Inc.)
• Original Assignee: Google LLC (Alphabet Inc.)
• Inventors: Jiang, Fan, Okonkwo, Aneto Pablo, Springer, Michael William, Bakir, Gokhan Hasan
• Primary Examiner(s): Kim, Steven S
• Application Number:
  US13/794,747
• Publication Number:
  US 20140258109A1
• Time in Patent Office: 2,150 Days
• CPC Class Codes: G06Q 20/0655 e-cash managed centrally
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3433 the counter having monetary units
• CPC Class Codes: G06Q 20/349 Rechargeable cards
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/3676 Balancing accounts
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/407 Cancellation of a transaction
• CPC Class Codes: G06Q 20/40975 using encryption therefor
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

Depositing funds onto smart cards for use during processing of purchases. A device creates a deposit request and transmits the request to a remote system. The remote system processes the request and transmits a deposit record to the device, which in turn transmits the record to the smart card. If the device has network access, it transmits a deposit confirmation to the remote system, which updates the smart card account to include the confirmation. If the device unable to connect to the remote system, the deposit confirmation is transmitted when the smart card is involved in a future transaction. During the future transaction, the smart card transmits its transaction history, which comprises the deposit confirmation, to the device, and the device transmits the transaction history to the remote system. The remote system updates the smart card account to include the deposit confirmation.

Claims

1. A computer-implemented method to deposit funds onto smart card computing devices, comprising:

establishing, by a merchant computing device, a first network communication channel with a management computing system that manages an account associated with a smart card computing device;

transmitting, by the management computing system via the first communication channel, a teller access key to the merchant computing device;

establishing, by the merchant computing device, a second network communication channel with the management computing system;

establishing, by the merchant computing device, a proximity communication channel with the smart card computing device;

receiving, by the merchant computing device via the proximity communication channel, a smart card account number, a smart card verification number, and a smart card transaction history comprising a listing of previous deposit transactions and a listing of previous withdrawal transactions;

receiving, by the management computing system and via the second network communication channel from the merchant computing device, the smart card computing device transaction history and a deposit transaction request to credit a deposit transaction amount to the account associated with the smart card computing device, the deposit transaction request comprising the smart card account number, the smart card verification number, a deposit transaction record, and a certification by the merchant computing device using the teller access key;

authorizing, by the management computing system, the deposit transaction request by;

verifying, by the management computing system, an identity of the smart card computing device based at least in part on the smart card account number and the smart card verification number;

verifying, by the management computing system, the identity of the merchant computing device based on the certification by the merchant computing device using the teller access key from the deposit transaction request;

certifying, by the management computing system, the deposit transaction record with a teller signing key signature based on the verification of the identity of the smart card and the identity of the merchant computing device, the teller signing key signature certifying the identity of the smart card computing device and the user merchant computing device;

synchronizing, by the management computing system, a first transaction history maintained in the account associated with the smart card computing device with the smart card computing device transaction history received from the merchant computing device by;

analyzing the listing of previous withdrawal transactions,

capturing one or more offline withdrawal transactions missing from the first transaction history, and

determining one or more offline withdrawal transactions are missing from the smart card computing device transaction history;

writing, by the management computing system, the deposit transaction record to the account associated with the smart card computing device;

transmitting, by the management computing system, the certified deposit transaction record to the merchant computing device;

transmitting, by the merchant computing device, the certified deposit transaction record to the smart card computing device; and

receiving, by the management computing system, a second transaction history for the smart card computing device comprising a second listing of previous withdrawal transactions and a second listing of previous deposit transactions, the second listing of previous deposit transactions comprising a deposit confirmation indicating that the deposit transaction record was transmitted to the smart card computing device by the merchant computing device and that the deposit transaction request was completed.

2. The computer-implemented method of claim 1, wherein the second transaction history is received by the management computing system during a second deposit transaction.

3. The computer-implemented method of claim 1, wherein the second transaction history is received by the management computing system from a second merchant computing device during the second deposit transaction.

4. The computer-implemented method of claim 1, wherein the second transaction history is received by the management computing system during a withdrawal transaction.

5. The computer-implemented method of claim 4, wherein the second transaction history is received by the management computing system from a second merchant computing device during the withdrawal transaction.

6. The computer-implemented method of claim 1, wherein

the merchant computing device is a mobile telephone.

7. The computer-implemented method of claim 1, wherein

the merchant computing device is a smart card computing device reader.

8. A computer program product, comprising:

a first non-transitory computer-readable medium having a first computer-readable program instructions embodied thereon that when executed by a merchant computing device cause the merchant computing device to perform first operations of;

establishing a first network communication channel with a management computing system that manages an account associated with a smart card computing device;

receiving, via the first network communication channel from the management computing system, a teller access key;

establishing a second network communication channel with the management computing system;

establishing a proximity communication channel with the smart card computing device;

receiving, via the proximity communication channel from the smart card computing device, a smart card account number, a smart card verification number, and a smart card transaction history comprising a listing of previous deposit transactions and a listing of previous withdrawal transactions;

transmitting, via the second network communication to the management computing system, the smart card computing device transaction history and a deposit transaction request to credit a deposit transaction amount to the account associated with the smart card computing device, the deposit transaction request comprising the smart card account number, the smart card verification number, a deposit transaction record, and a certification by the merchant computing device using the a teller access key;

receiving a certified deposit transaction record from the management computing system; and

transmitting the certified deposit transaction record to the smart card computing device;

a second non-transitory computer-readable medium having a second computer-readable program instructions embodied thereon that when executed by the management computing system cause the management computing system to perform second operations of;

transmitting the teller access key to the merchant computing device via the first communication channel;

receiving, from the merchant computing device via the second network communication channel, the deposit transaction request and the smart card computing device transaction history;

authorizing the deposit transaction request by;

verifying an identity of the smart card computing device based at least in part on smart card computing device account identity and verifying an identity of the merchant computing device based on the certification by the merchant computing device using the teller access key from the deposit transaction request;

certifying the deposit transaction record with a teller signing key signature based on the verification of the identity of the smart card and the identity of the merchant computing device, the teller signing key signature certifying the identity of the smart card computing device and the identity of the merchant computing device;

synchronizing a first transaction history maintained in an account associated with the smart card computing device with the smart card computing device transaction history received from the merchant computing device by;

analyzing the listing of previous withdrawal transactions, capturing one or more offline withdrawal transactions missing from the first transaction history, and

determining one or more offline withdrawal transactions are missing from the smart card computing device transaction history;

writing the deposit transaction record to the account associated with the smart card computing device; and

transmitting the certified deposit transaction record to the merchant computing device; and

receiving, by the management computing system, a second transaction history for the smart card computing device comprising a second listing of previous withdrawal transactions and a second listing of previous deposit transactions, the second listing of previous deposit transactions comprising a deposit confirmation indicating that the deposit transaction record was transmitted to the smart card computing device by the merchant computing device and that the deposit transaction request was completed.

9. The computer program product of claim 8, wherein the second transaction history is received by the management computing system during a second deposit transaction.

10. The computer program product of claim 8, wherein the second transaction history is received by the management computing system from a second merchant computing device during the second deposit transaction.

11. The computer program product of claim 8, wherein the second transaction history is received by the management computing system during a withdrawal transaction.

12. The computer program product of claim 11, wherein the second transaction history is received by the management computing system from a second merchant computing device during the withdrawal transaction.

13. A system to deposit funds onto smart card computing devices, comprising:

a merchant computing device, comprising a merchant computing device storage medium and a merchant computing device processor communicatively coupled to the merchant computing device storage medium, wherein the merchant computing device processor executes application code instructions that are stored in the merchant computing device storage medium to cause the merchant computing device to;

establish a first network communication channel with a management computing system that manages an account associated with a smart card computing device;

receive, via the first communication channel, a teller access key to the merchant computing device;

establish a second network communication channel with the management computing system;

establish a proximity communication channel with a smart card computing device;

receive, via the proximity communication channel from the smart card computing device, a smart card account number, a smart card verification number, and a smart card transaction history comprising a listing of previous deposit transactions and a listing of previous withdrawal transactions;

create a deposit transaction request to credit a deposit transaction amount to a smart card computing device, the deposit transaction request comprising the smart card account number, the smart card verification number, a deposit transaction record, and a certification by the merchant computing device using the teller access key;

and

transmit, via the second communication channel to the management computing system, the deposit transaction request and the smart card computing device transaction history;

receive a certified deposit transaction record from the management computing system;

transmit the certified deposit transaction record to the smart card computing device; and

the management computing system, comprising a storage medium and a processor communicatively coupled to the storage medium, wherein the processor executes application code instructions that are stored in the storage medium to cause the management computing system to;

transmit the teller access key to the merchant computing device via the first communication channel;

receive the deposit transaction request and the smart card computing device transaction history from the merchant computing device via the second communication channel;

authorize the deposit transaction request by;

verify an identity of the smart card computing device based at least in part on the smart card account number and verify an identity of the merchant computing device based on the certification by the merchant computing device using the teller access key;

certify the deposit transaction record with a teller signing key signature based on the verification of the identity of the smart card and the identity of the merchant computing device, the teller signing key signature certifying the identity of the smart card computing device and the identity of the merchant computing device;

synchronize a first transaction history maintained in an account associated with the smart card computing device with the smart card computing device transaction history received from the merchant computing device by;

analyzing the listing of previous withdrawal transactions, capturing one or more offline withdrawal transactions missing from the first transaction history, and

determining one or more offline withdrawal transactions are missing from the smart card computing device transaction history;

write the deposit transaction record to the account associated with the smart card computing device; and

transmit the certified deposit transaction record to the merchant computing device; and

receive a second transaction history for the smart card computing device comprising a second listing of previous withdrawal transactions and a second listing of previous deposit transactions, the second listing of previous deposit transactions comprising a deposit confirmation indicating that the deposit transaction record was transmitted to the smart card computing device by the merchant computing device and that the deposit transaction request was completed.

14. The system of claim 13, wherein the second transaction history is received by the management computing system during a second deposit transaction.

15. The system of claim 13, wherein the second transaction history is received by the management computing system from a second merchant computing device during the second deposit transaction.

16. The system of claim 13, wherein the second transaction history is received by the management computing system during a withdrawal transaction.

17. The system of claim 16, wherein the second transaction history is received by the management computing system from a second merchant computing device during the withdrawal transaction.