Partial data object acquisition and processing

• US 10,402,816 B2
• Filed: 12/31/2016
• Issued: 09/03/2019
• Est. Priority Date: 12/31/2016
• Status: Active Grant

• Current Assignee: Block, Inc. (f/k/a Square, Inc.)
• Original Assignee: Square Inc (Block, Inc. (f/k/a Square, Inc.))
• Inventors: Terra, David
• Primary Examiner(s): Wong, Eric T
• Assistant Examiner(s): Gregg, Mary M
• Application Number:
  US15/396,609
• Publication Number:
  US 20180189771A1
• Time in Patent Office: 976 Days
• CPC Class Codes: G06F 12/0215 with look ahead addressing means
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06K 7/0013 by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers connectors in general H01R13/00; connectors for SIM cards used in mobile phones or the like H04B1/3816
• 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 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/356 Aspects of software for card payments

Abstract

A payment terminal such as a payment reader may receive and form electrical connections with an electronic transaction card such as an EMV chip card. The payment terminal may provide power to the electronic transaction card and initiate communications with the electronic transaction card. One or more records may be acquired from the electronic transaction card. Data objects may be extracted from those records and stored in a cache. Data objects may be needed to process transactions. If the data object is available from the data cache or is otherwise received prior to all records being received, transactions may be processed prior to the acquisition of all records from the electronic transaction card.

Claims

1. A method for an EMV card reader to selectively acquire data objects from an electronic payment chip of an EMV card, the method comprising:

establishing a data connection between the EMV card reader and the electronic payment chip, wherein the electronic payment chip is storing a plurality of data records for use by EMV card readers in performing payment transactions;

receiving at the EMV card reader a first portion of the plurality of data records from the electronic payment chip;

storing at least one data object from the first portion of the plurality of data records in a data object cache of the EMV card reader;

requesting, by a first software routine executing on one or more processors of the EMV card reader, one or more desired data objects from the electronic payment chip, wherein the one or more desired data objects are stored within the plurality of data records of the electronic payment chip;

receiving, at a second software routine executing on the one or more processors, the request for the one or more desired data objects;

determining, by the second software routine, whether the one or more desired data objects are stored in the data object cache of the EMV card reader;

if the one or more desired data objects are determined to be stored in the data object cache, providing, by the second software routine to the first software routine, the one or more desired data objects from the data object cache;

processing, by the first software routine and prior to receiving all of the plurality of data records from the electronic payment chip, a portion of a payment transaction based on the one or more desired data objects;

if the one or more desired data objects are determined not to be stored in the data object cache, performing each of the following steps;

requesting, by the second software routine from the electronic payment chip, a second portion of the plurality of data records;

receiving, by the second software routine from the electronic payment chip, the second portion of the plurality of data records;

extracting, by the second software routine, one or more received data objects from the second portion of the plurality data records;

determining, by the second software routine, whether the one or more desired data objects are included in the one or more received data objects;

if the one or more desired data objects are determined to be included in the one or more received data objects, providing, by the second software routine to the first software routine, the one or more desired data objects.

2. The method of claim 1, further comprising:

requesting, by the second software routine to the electronic payment chip, a third portion of the plurality of data records;

receiving, by the second software routine from the electronic payment chip, the third portion of the plurality of data records;

extracting, by the second software routine, one or more second received data objects from the third portion of the plurality data records;

determining, by the second software routine, whether the one or more desired data objects are included in the second one or more received data objects;

if the one or more desired data objects are determined to be included in the second one or more received data objects, returning, by the second software routine to the first software routine, the one or more desired data objects.

3. The method of claim 1, further comprising:

requesting, by the first software routine, one or more second desired data objects from the electronic payment chip, wherein the one or more second desired data objects are stored within the plurality of data records of the electronic payment chip;

receiving, at the second software routine executing on the one or more processors, the request for the one or more second desired data objects;

determining, by the second software routine, whether the one or more second desired data objects are stored in the data object cache;

if the one or more second desired data objects are determined to be stored in the data object cache, providing, by the second software routine to the first software routine, the one or more second desired data objects, and

processing, by the first software routine and prior to receiving all of the plurality of data records, another portion of the payment transaction based on the one or more desired data objects.

4. The method of claim 3, wherein the processing of the portion of the payment transaction is completed prior processing of the another portion of the payment transaction.

5. The method of claim 1, wherein the processing the portion of the payment transaction is performed by transmitting data from the one or more desired data objects out of the EMV card reader.

6. A method for a reader device to acquire data from an electronic transaction chip of an electronic transaction card, the method comprising:

establishing a data connection between the reader device and the electronic transaction chip, wherein the electronic transaction chip is storing a plurality of data records for use by reader devices in performing transactions;

receiving at the reader device a first portion of the plurality of data records from the electronic transaction chip;

storing at least one data object from the first portion of the plurality of data records in a data object cache of the reader device;

identifying, by a first software routine executing on one or more processors of the reader device, one or more desired data objects for use in processing a transaction, wherein the one or more desired data objects are stored within the plurality of data records of the electronic transaction chip;

receiving, by a second software routine executing on the one or more processors, a request from the first software routine for the one or more desired data objects;

determining, by the second software routine, whether the one or more desired data objects are stored in the data object cache of the reader device;

if the one or more desired data objects are determined to be stored in the data object cache, providing by the second software routine to the first software routine, the one or more desired data objects from the data object cache;

processing, by the first software routine and prior to receiving all of the plurality of data records from the electronic transaction chip, a portion of the transaction based on the one or more desired data objects;

if the one or more desired data objects are determined not to be stored in the data object cache, performing each of the following steps;

requesting, by the second software routine, a second portion of the plurality of data records from the electronic transaction chip;

receiving, by the second software routine, the second portion of the plurality of data records from the electronic transaction chip;

extracting, by the reader device, one or more received data objects from the second portion of the plurality data records;

determining, by the second software routine, that the one or more received data objects comprise the one or more desired data objects; and

providing, by the second software routine to the first software routine, the one or more desired data objects from the one or more received data objects.

7. The method of claim 6, further comprising storing the received data objects in the data object cache.

8. The method of claim 7, further comprising:

identifying, by the first software routine, one or more second desired data objects for use in processing the transaction;

determining, by the second software routine, whether the one or more second desired data objects are stored in the data object cache; and

processing, by the first software routine, at least another portion of the transaction based on the one or more second desired data objects being stored in the data object cache.

9. The method of claim 8,

wherein the processing the portion of the transaction occurs concurrently with the determining whether the one or more second desired data objects are stored in the data object cache.

10. The method of claim 8,

wherein the processing the portion of the transaction occurs prior to determining whether the one or more second desired data objects are stored in the data object cache.

11. The method of claim 7, further comprising:

identifying, by the first software routine, one or more second desired data objects for use in processing the transaction;

determining, by the second software routine, that the one or more second desired data objects are not stored in the data object cache;

requesting, by the second software routine, a third portion of the plurality of data records from the electronic transaction chip based on the determination that the one or more second desired data objects are not stored in the data object cache;

receiving, by the reader device, the third portion of the plurality of data records from the electronic transaction chip;

extracting, by the second software routine, one or more second received data objects from the third portion of the plurality data records;

determining, by the second software routine, that the one or more second received data objects comprise the one or more second desired data objects; and

processing, by the first software routine, at least another portion of the transaction based on the one or more second received data objects.

12. The method of claim 6, further comprising:

acquiring, by the reader device from the electronic transaction chip, a listing of the records stored at the electronic transaction chip;

determining, by the reader device, that the transaction is complete; and

aborting, by the reader device, communications with the electronic transaction chip prior to receiving all of the listed records, based on the determination that the transaction is complete.

13. The method of claim 6,

wherein the processing the portion comprises transmitting data from the one or more desired data objects to a server.

14. The method of claim 13, wherein the transaction is a payment transaction, and wherein the server is a payment server.

15. The method of claim 14, wherein the processing the portion of the transaction is performed in parallel with reading of the plurality of data records from the electronic transaction chip.

16. The method of claim 6, wherein the processing the portion of the transaction is performed in parallel with receiving at least a portion of the plurality of data records from the electronic transaction chip.

17. A reader device for processing transactions with an electronic transaction chip of an electronic transaction card, the reader device comprising:

an input/output connection to communicate with the electronic transaction chip;

one or more processors coupled to the input/output connection to send and receive communications with the electronic transaction chip;

memory comprising a data object cache and instructions stored thereon, wherein the instructions define at least a first software routine and a second software routine, the one or more processors coupled to the memory to execute the instructions to;

establish a data connection with the electronic transaction chip, wherein the electronic transaction chip is storing a plurality of data records for use by reader devices in performing transactions;

receive a first portion of the plurality of data records from the electronic transaction chip;

store at least one data object from the first portion of the plurality of data records in a data object cache of the reader device;

wherein the one or more processors are configured to execute the first software routine to;

identify one or more desired data objects for use in processing a transaction, wherein the one or more desired data objects are stored within the plurality of data records of the electronic transaction chip;

process a portion of the transaction based on the one or more desired data objects prior to receiving all of the plurality of data records from the electronic transaction chip;

wherein the one or more processors are configured to execute the second software routine to;

determine whether the one or more desired data objects are stored in the data object cache;

if the one or more desired data objects are determined to be stored in the data object cache, provide to the first software routine the one or more desired data objects from the data object cache;

if the one or more desired data objects are determined not to be stored in the data object cache, perform each of the following steps;

request a second portion of the plurality of data records from the electronic transaction chip;

receive the second portion of the plurality of data records from the electronic transaction chip;

extract one or more received data objects from the second portion of the plurality data records;

determine that the one or more received data objects comprise the one or

more desired data objects; and

provide the one or more desired data objects to the first software

routine from the one or more received data objects.

18. The reader device of claim 17,

wherein the instructions cause the one or more processors to store the received data objects in the data object cache.

19. The reader device of claim 18, wherein the instructions cause the one or more processors to:

identify one or more second desired data objects for use in processing the transaction;

determine whether the one or more second desired data objects are stored in the data object cache; and

process, by the reader device, at least another portion of the transaction based on the one or more second desired data objects being stored in the data object cache.

20. The reader device of claim 19,

wherein the processing the portion of the transaction occurs concurrently with the determining whether the one or more second desired data objects are stored in the data object cache.

21. The reader device of claim 19,

wherein the processing the portion of the transaction occurs prior to determining whether the one or more second desired data objects are stored in the data object cache.

22. The reader device of claim 18, wherein the instructions cause the one or more processors to:

identify one or more second desired data objects for use in processing the transaction;

determine that the one or more second desired data objects are not stored in the data object cache;

request a third portion of the plurality of data records from the electronic transaction chip based on the determination that the one or more second desired data objects are not stored in the data object cache;

receive the third portion of the plurality of data records from the electronic transaction chip;

extract one or more second received data objects from the third portion of the plurality data records;

determine that the one or more second received data objects comprise the one or more second desired data objects; and

process at least another portion of the transaction based on the one or more second received data objects.

23. The reader device of claim 17, wherein the instructions further cause the one or more processors to:

acquire, from the electronic transaction chip, a listing of the records stored at the electronic transaction chip;

determine that the transaction is complete; and

abort communications with the electronic transaction chip prior to receiving all of the listed records, based on the determination that the transaction is complete.

24. The method of claim 17,

wherein the processing the portion of the transaction is performed by transmitting data from the one or more desired data objects out of the reader device.

25. The method of claim 17, wherein the transaction is a payment transaction.

26. A non-transitory computer-readable storage medium comprising instructions stored therein, the instructions defining a first software routine and a second software routine, wherein the instructions when executed by one or more processors of a reader device, cause the one or more processors of the reader device to perform operations comprising:

establishing a data connection between the reader device and an electronic transaction chip, wherein the electronic transaction chip is storing a plurality of data records for use by reader devices in performing transactions;

receiving at the reader device a first portion of the plurality of data records from the electronic transaction chip;

storing at least one data object from the first portion of the plurality of data records in a data object cache of the reader device;

wherein execution of the first software routine by the one or more processors causes the one or more processors to perform operations comprising;

identifying one or more desired data objects for use in processing a transaction, wherein

the one or more desired data objects are stored within the plurality of data records of the electronic transaction chip;

processing, prior to receiving all of the plurality of data records from the electronic transaction chip, a portion of the transaction based on the one or more desired data objects;

wherein execution of the second software routine by the one or more processors causes the one or more processors to perform operations comprising;

determining whether the one or more desired data objects are stored in the data object cache of the reader device;

if the one or more desired data objects are determined to be stored in the data object cache, providing to the first software routine the one or more desired data objects from the data object cache;

if the one or more desired data objects are determined not to be stored in the data object cache, performing each of the following steps;

requesting a second portion of the plurality of data records from the electronic transaction chip;

receiving the second portion of the plurality of data records from the electronic transaction chip;

extracting one or more received data objects from the second portion of the plurality data records;

determining that the one or more received data objects comprise the one or more desired data objects; and

providing the one or more desired data objects to the first software routine from the one or more received data objects.

27. The non-transitory computer-readable storage medium of claim 26, wherein the instructions cause the one or more processors to perform operations comprising

storing the one or more received data objects in the data object cache.

28. The non-transitory computer-readable storage medium of claim 27, wherein the instructions cause the one or more processors to perform operations comprising:

identifying one or more second desired data objects for use in processing the transaction;

determining whether the one or more second desired data objects are stored in the data object cache; and

processing, by the reader device, at least another portion of the transaction based on the one or more second desired data objects being stored in the data object cache.

29. The non-transitory computer-readable storage medium of claim 28,

wherein the processing the portion of the transaction occurs concurrently with the determining whether the one or more second desired data objects are stored in the data object cache.

30. The non-transitory computer-readable storage medium of claim 28,

wherein the processing the portion of the transaction occurs prior to determining whether the one or more second desired data objects are stored in the data object cache.

31. The non-transitory computer-readable storage medium of claim 27, wherein the instructions cause the one or more processors to perform operations comprising:

identifying one or more second desired data objects for use in processing the transaction;

determining that the one or more second desired data objects are not stored in the data object cache;

requesting a third portion of the plurality of data records from the electronic transaction chip based on the determination that the one or more second desired data objects are not stored in the data object cache;

receiving the third portion of the plurality of data records from the electronic transaction chip;

extracting one or more second received data objects from the third portion of the plurality data records;

determining that the one or more second received data objects comprise the one or more second desired data objects; and

processing at least another portion of the transaction based on the one or more second received data objects.

32. The non-transitory computer-readable storage medium of claim 26, wherein the instructions cause the one or more processors to perform operations comprising:

acquiring, from the electronic transaction chip, a listing of the records stored at the electronic transaction chip;

determining that the transaction is complete; and

aborting communications with the electronic transaction chip prior to receiving all of the listed records, based on the determination that the transaction is complete.