Recordation of electronic payment transaction information

• US 10,332,094 B2
• Filed: 01/29/2015
• Issued: 06/25/2019
• Est. Priority Date: 09/22/2008
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Aabye, Christian, Ngo, Hao, Wilson, David William, Mangiagalli, Guido
• Primary Examiner(s): Merchant, Shahid
• Assistant Examiner(s): Warden, Michael J
• Application Number:
  US14/609,343
• Publication Number:
  US 20150213560A1
• Time in Patent Office: 1,608 Days
• Field of Search: 705 21, 705 16, 705 1425, 705 1436
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• 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 40/12 Accounting

Abstract

A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. An account holder is enabled to generate transaction related data and append that data to a transaction record or transaction identifier. The appended data and transaction record or identifier may be stored in the mobile payment device and/or provided to an Issuer. If provided to an Issuer, the transaction related data generated by the account holder may be used to supplement an account statement. The additional information generated by the account holder may be used to assist the account holder in determining if a transaction is valid by providing information that helps the account holder to recall the location or other aspect of the transaction.

Claims

1. A computer-implemented method for recordation of electronic payment transaction information, comprising:

receiving, at an entity responsible for processing payment transaction data, from a point of sale terminal, through a first communication channel, a first data structure comprising a transaction record generated by the point of sale terminal responsive to a payment transaction conducted with a mobile device at a physical location of the point of sale terminal, the generated transaction record comprising a transaction identifier;

receiving, at the entity responsible for processing payment transaction data, from the mobile device, through a second communication channel distinct from the first communication channel, a second data structure comprising a copy of the transaction identifier and additional payment transaction related information, the additional payment transaction related information generated at the physical location and time of the payment transaction utilizing a sensor of the mobile device and independently of the point of sale terminal, wherein the additional payment transaction related information;

(i) is additional with respect to the transaction record, (ii) comprises sensor information with respect to at least one aspect of the physical location obtained at least in part with the sensor function of the mobile device and (iii) has at least one characteristic that assists a user of the mobile device to recollect the circumstances of the payment transaction;

creating, at the entity responsible for processing payment transaction data, a third data structure corresponding to an association of the additional payment transaction related information with the independently obtained transaction record based at least in part on (i) the transaction identifier in the generated transaction record of the first data structure and (ii) the copy of the transaction identifier in the second data structure;

receiving, at a time subsequent to the occurrence of the payment transaction conducted with the mobile device, an independent request initiated by the user of the mobile device with respect to one or more transaction records including the transaction record;

determining, in response to the independent request initiated by the user of the mobile device, the transaction identifier of the transaction record based at least in part on the transaction identifier in the generated transaction record of the first data structure;

determining, in response to the independent request initiated by the user of the mobile device, the additional payment transaction related information associated with the transaction record based at least in part on the determined transaction identifier and the third data structure that is based at least in part on (i) the transaction identifier in the generated transaction record of the first data structure and (ii) the copy of the transaction identifier in the second data structure; and

providing, in response to the independent request initiated by the user of the mobile device, a fourth data structure comprising at least a portion of the transaction record and the determined additional payment transaction related information such that the additional payment transaction related information is presented to the user of the mobile device along with the at least a portion of the transaction record, the presentation based at least in part on the determined additional payment transaction related information including the sensor information with respect to at least one aspect of the physical location obtained at least in part with the sensor function of the mobile device that has at least one characteristic that assists a user of the mobile device to recollect the circumstances of the payment transaction.

2. A computer-implemented method in accordance with claim 1, wherein the mobile device comprises a wireless mobile phone.

3. A computer-implemented method in accordance with claim 1, wherein the additional payment transaction related information is generated responsive to an explicit user indication that the user desires to generate additional payment transaction related information for the payment transaction.

4. A computer-implemented method in accordance with claim 1, wherein the payment transaction occurs in response to communication between the mobile device and the point of sale terminal utilizing a near field communications mechanism.

5. A computer-implemented method in accordance with claim 1, wherein the first communication channel comprises a payment processing network.

6. A computer-implemented method in accordance with claim 1, wherein the first communication channel comprises a payment processing network and the second communication channel comprises a wireless phone network.

7. A computer-implemented method in accordance with claim 1, wherein the sensor of the mobile device comprises a camera and the additional payment transaction related information comprises visual information with respect to the at least one aspect of the physical location.

8. A computerized system for recordation of electronic payment transaction information, comprising:

one or more computers responsible for processing payment transaction data communicatively coupled with a point of sale terminal through a first communication channel and with a mobile device through a second communication channel distinct from the first communication channel, the point of sale terminal configured at least to generate a transaction record responsive to a payment transaction conducted with the mobile device at a physical location of the point of sale terminal, the generated transaction record comprising a transaction identifier, the one or more computers configured to, at least;

receive from the point of sale terminal, through the first communication channel, a first data structure comprising the generated transaction record;

receive from the mobile device, through the second communication channel, a second data structure comprising a copy of the transaction identifier and additional payment transaction related information, the additional payment transaction related information generated at the physical location and time of the payment transaction utilizing a sensor of the mobile device and independently of the point of sale terminal, wherein the additional payment transaction related information;

(i) is additional with respect to the transaction record, (ii) comprises sensor information with respect to at least one aspect of the physical location obtained at least in part with the sensor function of the mobile device and (iii) has at least one characteristic that assists a user of the mobile device to recollect the circumstances of the payment transaction;

create a third data structure corresponding to an association of the additional payment transaction related information with the independently obtained transaction record based at least in part on (i) the transaction identifier in the generated transaction record of the first data structure and (ii) the copy of the transaction identifier in the second data structure;

receive, at a time subsequent to the occurrence of the payment transaction conducted with the mobile device, an independent request initiated by the user of the mobile device with respect to one or more transaction records including the transaction record;

determine, in response to the independent request initiated by the user of the mobile device, the transaction identifier of the transaction record based at least in part on the transaction identifier in the generated transaction record of the first data structure;

determine, in response to the independent request initiated by the user of the mobile device, the additional payment transaction related information associated with the transaction record based at least in part on the determined transaction identifier and the third data structure that is based at least in part on (i) the transaction identifier in the generated transaction record of the first data structure and (ii) the copy of the transaction identifier in the second data structure; and

provide, in response to the independent request initiated by the user of the mobile device, a fourth data structure comprising at least a portion of the transaction record and the determined additional payment transaction related information such that the additional payment transaction related information is presented to the user of the mobile device along with the at least a portion of the transaction record, the presentation based at least in part on the determined additional payment transaction related information including the sensor information with respect to at least one aspect of the physical location obtained at least in part with the sensor function of the mobile device that has at least one characteristic that assists a user of the mobile device to recollect the circumstances of the payment transaction.

9. A computerized system in accordance with claim 8, wherein the additional payment transaction related information is presented to the user in a context of an account statement that includes the payment transaction.

10. A computerized system in accordance with claim 9, wherein the account statement includes a link to a web-site from which the additional information related to the payment transaction may be accessed by the user.

11. A computerized system in accordance with claim 8, wherein the transaction record further comprises an account holder'"'"'s payment account number, a currency code, a sale amount, and a merchant transaction stamp.

12. A computerized system in accordance with claim 8, wherein the additional payment transaction related information is generated for later viewing by the user of the mobile device.

13. A computerized system in accordance with claim 8, wherein the additional payment transaction related information assists the user to recollect the circumstances of the transaction at least in part by including the sensor information with respect to at least one aspect of the physical location obtained coincident with the payment transaction.

14. A computerized system in accordance with claim 8, wherein the sensor of the mobile device comprises a camera and the additional payment transaction related information comprises visual information with respect to the at least one aspect of the physical location.

15. One or more non-transitory computer readable media having thereon computer executable instructions that, when executed by one or more computers, collectively cause the one or more computers to, at least:

receive, from a point of sale terminal, through a first communication channel, a first data structure comprising a transaction record generated by the point of sale terminal responsive to a payment transaction conducted with a mobile device at a physical location of the point of sale terminal, the generated transaction record comprising a transaction identifier;

receive, from the mobile device, through a second communication channel distinct from the first communication channel, a second data structure comprising a copy of the transaction identifier and additional payment transaction related information, the additional payment transaction related information generated at the physical location and time of the payment transaction utilizing a sensor of the mobile device and independently of the point of sale terminal, wherein the additional payment transaction related information;

(i) is additional with respect to the transaction record, (ii) comprises sensor information with respect to at least one aspect of the physical location obtained at least in part with the sensor function of the mobile device and (iii) has at least one characteristic that assists a user of the mobile device to recollect the circumstances of the payment transaction;

create a third data structure corresponding to an association of the additional payment transaction related information with the independently obtained transaction record based at least in part on (i) the transaction identifier in the generated transaction record of the first data structure and (ii) the copy of the transaction identifier in the second data structure;

receive, at a time subsequent to the occurrence of the payment transaction conducted with the mobile device, an independent request initiated by the user of the mobile device with respect to one or more transaction records including the transaction record;

determine, in response to the independent request initiated by the user of the mobile device, the transaction identifier of the transaction record based at least in part on the transaction identifier in the generated transaction record of the first data structure;

determine, in response to the independent request initiated by the user of the mobile device, the additional payment transaction related information associated with the transaction record based at least in part on the determined transaction identifier and the third data structure that is based at least in part on (i) the transaction identifier in the generated transaction record of the first data structure and (ii) the copy of the transaction identifier in the second data structure; and

provide, in response to the independent request initiated by the user of the mobile device, a fourth data structure comprising at least a portion of the transaction record and the determined additional payment transaction related information such that the additional payment transaction related information is presented to the user of the mobile device along with the at least a portion of the transaction record, the presentation based at least in part on the determined additional payment transaction related information including the sensor information with respect to at least one aspect of the physical location obtained at least in part with the sensor function of the mobile device that has at least one characteristic that assists a user of the mobile device to recollect the circumstances of the payment transaction.

16. One or more non-transitory computer readable media in accordance with claim 15, wherein generation of the additional payment transaction related information at the physical location and time of the payment transaction reduces a rate at which the payment transaction is reported as potentially fraudulent by the user.

17. One or more non-transitory computer readable media in accordance with claim 15, wherein the payment transaction is detected as potentially fraudulent based at least in part on the additional payment transaction related information generated at the physical location by the mobile device.

18. One or more non-transitory computer readable media in accordance with claim 17, wherein the payment transaction is detected as potentially fraudulent as part of a process of authorizing the payment transaction.

19. One or more non-transitory computer readable media in accordance with claim 15, wherein the generated additional payment transaction related information is modified to incorporate the transaction identifier thereby enabling association of the newly generated additional payment transaction related information with the payment transaction for which the additional payment transaction related information was generated.

20. One or more non-transitory computer readable media in accordance with claim 15, wherein the sensor of the mobile device comprises a camera and the additional payment transaction related information comprises visual information with respect to the at least one aspect of the physical location.