Transaction initiation determination system utilizing transaction data elements

• US 10,614,460 B2
• Filed: 11/29/2018
• Issued: 04/07/2020
• Est. Priority Date: 10/23/2012
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Griggs, Alfred William, Byrne, Brian, Van Deloo, Lori, Sheets, John F., Liu, Fred, Weller, Kevin, Machicao, Andre, Goldberg, Luba, Batchan, Marc, Yuann, Kevin
• Primary Examiner(s): Campen, Kelly S
• Application Number:
  US16/204,562
• Publication Number:
  US 20190095914A1
• Time in Patent Office: 495 Days
• Field of Search: 70799901, 235379, 235380, 705 39, 705 42, 705 261, 705 44
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Embodiments of the invention directed to systems and methods that allow for determining a transaction initiation mode used to conduct a transaction and applying a specific set of rules associated with the transaction initiation mode to the transaction. A transaction authorization request message is received at a server computer. The transaction authorization message is for a transaction between a consumer and a merchant and includes a plurality of data elements. The server computer determines a transaction initiation mode, from among at least three different transaction initiation modes, used to conduct the transaction based at least in part on the data elements. The server computer applies a specific set of rules associated with the transaction initiation mode to the transaction.

Claims

1. A method, comprising:

receiving, at a merchant computer, a request to complete a transaction via a transaction initiation mode;

determining, based on the transaction initiation mode, a plurality of data elements to be included in a transaction request, the plurality of data elements comprising at least payment device information, access device information, and transaction initiation channel information;

generating a request that includes the plurality of data elements to be routed to a server computer;

sending the transaction request to the server computer, wherein the plurality of data elements are used by the server computer to determine the transaction initiation mode and to generate a credential value based on the plurality of data elements, wherein the server computer is caused to determine a security level for the determined transaction initiation mode and provide that security level to an authorization computer;

receiving, from the server computer, the generated credential value,

generating a transaction request that includes the credential value;

routing the transaction request to the authorization computer;

receiving a response from the authorization computer indicating an approval status of the transaction, wherein the approval status of the transaction is determined based on whether a level of risk calculated from information in the transaction request is below the security level; and

completing the transaction upon determining that the approval status indicates that the transaction is allowed.

2. The method of claim 1, wherein the plurality of data elements comprise at least one of information about the merchant computer or information about the authorization computer.

3. The method of claim 1, further comprising receiving, from the server computer by the merchant computer, a request for additional data elements subsequent to the step of sending the transaction request to the server computer.

4. The method of claim 3, further comprising:

generating a response to the request for additional data elements to include values for the additional data elements; and

sending the response to the request for additional data elements to the server computer prior to receiving the generated credential value.

5. The method of claim 1, wherein the security level is determined using a set of rules specific to the transaction initiation mode.

6. The method of claim 5, wherein the set of rules specific to the transaction initiation mode define a cost associated with processing the transaction.

7. The method of claim 1, further comprising causing the server computer to:

generate an electronic receipt indicating the plurality of data elements; and

provide the generated electronic receipt to a user associated with the transaction.

8. The method of claim 7, wherein the electronic receipt is provided to a user device belonging to the user associated with the transaction.

9. The method of claim 1, wherein the security level comprises a level of risk which is acceptable for a particular type of transaction initiation mode.

10. The method of claim 1, further comprising causing the server computer to validate the plurality of data elements prior to generating the credential value.

11. A merchant computer, comprising:

a processor; and

a non-transitory computer-readable storage medium, comprising instructions that, when executed by the processor, cause the merchant computer to;

receive a request to complete a transaction via a transaction initiation mode;

determine, based on the transaction initiation mode, a plurality of data elements to be included in a transaction request, the plurality of data elements comprising at least payment device information, access device information, and transaction initiation channel information;

generate a request that includes the plurality of data elements to be routed to a server computer;

send the transaction request to the server computer, wherein the plurality of data elements are used by the server computer to determine the transaction initiation mode and to generate a credential value based on the plurality of data elements, wherein the server computer is caused to determine a security level for the determined transaction initiation mode and provide that security level to an authorization computer;

receive, from the server computer, the generated credential value,

generate a transaction request that includes the credential value;

route the transaction request to the authorization computer;

receive a response from the authorization computer indicating an approval status of the transaction, wherein the approval status of the transaction is determined based on whether a level of risk calculated from information in the transaction request is below the security level; and

complete the transaction upon determining that the approval status indicates that the transaction is allowed.

12. The merchant computer of claim 11, wherein the plurality of data elements comprise at least one of information about the merchant computer or information about the authorization computer.

13. The merchant computer of claim 11, wherein the instructions further cause the merchant computer to receive, from the server computer, a request for additional data elements subsequent to the step of sending the transaction request to the server computer.

14. The merchant computer of claim 13, wherein the instructions further cause the merchant computer to:

generate a response to the request for additional data elements to include values for the additional data elements; and

send the response to the request for additional data elements to the server computer prior to receiving the generated credential value.

15. The merchant computer of claim 11, wherein the security level is determined using a set of rules specific to the transaction initiation mode.

16. The merchant computer of claim 15, wherein the set of rules specific to the transaction initiation mode define a cost associated with processing the transaction.

17. The merchant computer of claim 11, wherein the instructions further cause the merchant computer to cause the server computer to:

generate an electronic receipt indicating the plurality of data elements; and

provide the generated electronic receipt to a user associated with the transaction.

18. The merchant computer of claim 17, wherein the electronic receipt is provided to a user device belonging to the user associated with the transaction.

19. The merchant computer of claim 11, wherein the security level comprises a level of risk which is acceptable for a particular type of transaction initiation mode.

20. The merchant computer of claim 11, wherein the instructions further cause the merchant computer to cause the server computer to validate the plurality of data elements prior to generating the credential value.