Systems and methods to identify merchants

• US 10,628,825 B2
• Filed: 06/30/2017
• Issued: 04/21/2020
• Est. Priority Date: 05/08/2013
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Tavares, Silvio Orlando Renaud
• Primary Examiner(s): Zeender, Florian M
• Assistant Examiner(s): Buchanan, Christopher R
• Application Number:
  US15/640,320
• Publication Number:
  US 20170300917A1
• Time in Patent Office: 1,026 Days
• Field of Search: 705 44, 705 30, 705 16
• 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 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• 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 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 40/10 Tax strategies
• CPC Class Codes: G06Q 40/12 Accounting

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.

Claims

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.

2. The mobile device of claim 1, wherein the mobile device is integrated within the transaction terminal.

3. The mobile device of claim 1, wherein the mobile device further comprises a display device;

and the mobile application is further configured to;

present the account number on the display device; and

determine a position of the mobile device while the account number is presented on the display device.

4. The mobile device of claim 3, wherein the account number is displayed at least in a bar code format on the display device.

5. The mobile device of claim 1, wherein the mobile device further comprises a near field communication device;

and the mobile application is further configured to;

communicate the account number to the transaction terminal using the near field communication device.

6. The mobile device of claim 5, wherein the mobile application is further configured to determine a position of the mobile device when the near field communication device communicates the account number to the transaction terminal.

7. The mobile device of claim 6, wherein the mobile device further comprises:

a global positioning system (GPS) receiver; and

a second communication device;

wherein the mobile application is further configured to instruct the GPS receiver to determine the position of the mobile device when the near field communication device communicates the account number to the transaction terminal, and instruct the second communication device to communicate the position of the mobile device to the portal in association with the identifier of the merchant.

8. The mobile device of claim 1, wherein the mobile application is further configured to authenticate the merchant represented by the identifier of the merchant.

9. The mobile device of claim 1, wherein the account number is a one-time account number valid for one time use.

10. The mobile device of claim 9, wherein the account number is valid only within a predetermined period of time after the account number is identified in response to a communication between the mobile device and the portal.

11. The mobile device of claim 10, wherein the account number is received from the portal in the communication.

12. The mobile device of claim 9, wherein the processing of the transaction communication by the processor causes the portal to remove association between the one-time account number and the identifier of the merchant.

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.

14. The method of claim 13, wherein the account number is a one-time account number valid for one time use and valid only within a predetermined period of time after the account number is identified in response to a communication between the mobile device and the portal.

15. The method of claim 14, wherein the processing of the transaction communication by the processor causes the portal to remove association between the one-time account number and the identifier of the merchant.

16. The method of claim 13, wherein the mobile device has a display device;

and the method further comprises;

presenting the account number on the display device at least in a bar code format on the display device; and

determining a position of the mobile device while the account number is presented on the display device.

17. The method of claim 13, wherein the mobile device has a near field communication device, and a global positioning system (GPS) receiver;

and the method further comprises;

communicating the account number to the transaction terminal using the near field communication device;

determining a position of the mobile device using the GPS receiver during a communication session of the near field communication device communicating the account number to the transaction terminal; and

communicating the position of the mobile device to the portal in association with the identifier of the merchant.

18. The method of claim 13, further comprising:

authenticating the merchant represented by the identifier of the merchant before the communicating with the portal to identify an account number.

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:

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.