Systems and methods to identify merchants
First Claim
1. A mobile device, comprising:
- at least one microprocessor; and
memory coupled with the at least one microprocessor and storing a mobile application configured to instruct the at least one microprocessor to at least;
receive, in a user interface of the mobile application, an identifier of a merchant;
transmit the identifier of the merchant to an internet portal of a processor configured in an electronic payment processing network having a transaction handler, causing the portal to associate, in a data warehouse coupled to the portal, an account number with the identifier of the merchant;
communicate, in a communication channel outside of the electronic payment processing network, with the portal to identify the account number; and
transmit the account number to a transaction terminal of the merchant to cause the transaction terminal to initiate a transaction communication to the transaction handler in the electronic payment processing network, wherein processing the transaction communication by the processor causes the portal to;
detect, for the identifier of the merchant, the transaction made using the account number;
extract an identifier of the transaction terminal from the transaction communication; and
associate, in the data warehouse, based on an association of the account number and the identifier of the merchant in the data warehouse and an association of the identifier of the transaction terminal and the account number in the transaction communication, the identifier of the merchant and the identifier of the transaction terminal.
1 Assignment
0 Petitions
Accused Products
Abstract
A system and method including a mobile application installed on a mobile device and configured to authenticate a merchant represented by a unique identifier, determine a position of the mobile device while the mobile device is co-located with a transaction terminal of the merchant, communicate the position to a portal to associate the position with the unique identifier and to receive an account number, and provide the account number to generate an authorization request on the transaction terminal. The authorization request includes a terminal identifier of the transaction terminal. When the authorization request generated using the account number is detected, the association between the account number provided to the mobile application and the location received from the mobile application is replaced with the association between the terminal identifier extracted from the authorization request and the location. Thus, subsequent authorization requests generated by the transaction terminal can be determined to contain the terminal identifier and identified to be associated with the location and the merchant identifier.
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Citations
19 Claims
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1. A mobile device, comprising:
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at least one microprocessor; and memory coupled with the at least one microprocessor and storing a mobile application configured to instruct the at least one microprocessor to at least; receive, in a user interface of the mobile application, an identifier of a merchant; transmit the identifier of the merchant to an internet portal of a processor configured in an electronic payment processing network having a transaction handler, causing the portal to associate, in a data warehouse coupled to the portal, an account number with the identifier of the merchant; communicate, in a communication channel outside of the electronic payment processing network, with the portal to identify the account number; and transmit the account number to a transaction terminal of the merchant to cause the transaction terminal to initiate a transaction communication to the transaction handler in the electronic payment processing network, wherein processing the transaction communication by the processor causes the portal to; detect, for the identifier of the merchant, the transaction made using the account number; extract an identifier of the transaction terminal from the transaction communication; and associate, in the data warehouse, based on an association of the account number and the identifier of the merchant in the data warehouse and an association of the identifier of the transaction terminal and the account number in the transaction communication, the identifier of the merchant and the identifier of the transaction terminal. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method implemented in a mobile device having at least one microprocessor;
- and memory coupled with the at least one microprocessor and storing a mobile application configured to instruct the at least one microprocessor to perform the method, the method comprising;
receiving, in a user interface of the mobile application, an identifier of a merchant; transmitting the identifier of the merchant to an internet portal of a processor configured in an electronic payment processing network having a transaction handler, causing the portal to associate, in a data warehouse coupled to the portal, an account number with the identifier of the merchant; communicating, in a communication channel outside of the electronic payment processing network, with the portal to identify the account number; and transmitting the account number to a transaction terminal of the merchant to cause the transaction terminal to initiate a transaction communication to the transaction handler in the electronic payment processing network, wherein processing the transaction communication by the processor causes the portal to; detect, for the identifier of the merchant, the transaction made using the account number; extract an identifier of the transaction terminal from the transaction communication; and associate, in the data warehouse, based on an association of the account number and the identifier of the merchant in the data warehouse and an association of the identifier of the transaction terminal and the account number in the transaction communication, the identifier of the merchant and the identifier of the transaction terminal. - View Dependent Claims (14, 15, 16, 17, 18)
- and memory coupled with the at least one microprocessor and storing a mobile application configured to instruct the at least one microprocessor to perform the method, the method comprising;
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19. A non-transitory computer medium storing a mobile application which when executed in a mobile device having at least one microprocessor and memory coupled with the at least one microprocessor instructs the at least one microprocessor to perform a method, the method comprising:
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receiving, in a user interface of the mobile application, an identifier of a merchant; transmitting the identifier of the merchant to an internet portal of a processor configured in an electronic payment processing network having a transaction handler, causing the portal to associate, in a data warehouse coupled to the portal, an account number with the identifier of the merchant; communicating, in a communication channel outside of the electronic payment processing network, with the portal to identify the account number; and transmitting the account number to a transaction terminal of the merchant to cause the transaction terminal to initiate a transaction communication to the transaction handler in the electronic payment processing network, wherein processing the transaction communication by the processor causes the portal to; detect, for the identifier of the merchant, the transaction made using the account number; extract an identifier of the transaction terminal from the transaction communication; and associate, in the data warehouse, based on an association of the account number and the identifier of the merchant in the data warehouse and an association of the identifier of the transaction terminal and the account number in the transaction communication, the identifier of the merchant and the identifier of the transaction terminal.
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Specification