RECORDATION OF ELECTRONIC PAYMENT TRANSACTION INFORMATION

• US 20100211498A1
• Filed: 09/21/2009
• Published: 08/19/2010
• 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: Mangiagalli, Guido, Aabye, Christian, Ngo, Hao, Wilson, David William
• Granted Patent: US 8,977,567 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• 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 mobile device for use in conducting a payment transaction, comprising:

a processor;

a memory; and

a set of instructions stored in the memory, which when executed by the processor implement a method to

receive an input from a user activating a function of the mobile device to generate additional payment transaction related information; and

provide the additional payment transaction related information to an entity responsible for processing payment transaction data, wherein the additional payment transaction related information assists the user to recollect the circumstances of the transaction.

2. The mobile device of claim 1, wherein the mobile device is a mobile wireless phone.

3. The mobile device of claim 1, wherein the activated function of the mobile device is a camera.

4. The mobile device of claim 1, wherein the activated function of the mobile device is a messaging application.

5. The mobile device of claim 1, wherein the activated function of the mobile device is a location determination application.

6. The mobile device of claim 1, wherein the set of instructions further comprise instructions, which when executed implement a method to receive an input from a user indicating that the user desires to generate additional payment transaction related information for the payment transaction.

7. The mobile device of claim 1, wherein the device further comprises:

an interface configured to enable data transfer using a near field communications mechanism, and further, wherein the set of instructions further comprise instructions, which when executed implement a method to conduct a payment transaction in response to communication with a terminal using the near field communications mechanism.

8. The mobile device of claim 7, wherein the interface configured to enable data transfer using a near field communications mechanism is a contactless element.

9. The mobile device of claim 1, wherein the additional payment transaction related information is provided to an entity responsible for processing payment transaction data using a wireless network.

10. The mobile device of claim 1, wherein the additional payment transaction related information is provided to an entity responsible for processing payment transaction data using a near field communications mechanism.

11. The mobile device of claim 1, wherein the additional payment transaction related information assists the user to recollect the location of the transaction.

12. A method of performing a payment transaction, comprising:

conducting the payment transaction using a payment device, wherein the payment device includes a contactless element and is contained in a mobile phone;

generating additional payment transaction related information using a function of the mobile phone, wherein the additional payment transaction related information assists the user to recollect the circumstances of the transaction; and

providing the additional payment transaction related information to an entity responsible for processing payment transaction data, the additional payment transaction related information being provided using a wireless phone network.

13. The method of claim 12, further comprising:

receiving the additional payment transaction related information at the entity responsible for processing payment transaction data;

associating the additional payment transaction related information with an identifier for the transaction; and

presenting the additional payment transaction related information to a user of the payment device as part of an account statement for the transaction.

14. The method of claim 12, wherein the additional payment transaction related information is a photograph.

15. The method of claim 12, wherein the additional payment transaction related information is a location determination.

16. The method of claim 12, wherein the additional payment transaction related information is a voice recording.

17. The method of claim 12, wherein the additional payment transaction related information is a text message.

18. The method of claim 13, wherein the additional payment transaction related information is presented to the user as a link to a web-site from which the data may be accessed.

19. The method of claim 12, wherein the additional payment transaction related information assists the user to recollect the location of the transaction.

20. A system for performing a payment transaction, comprising:

a mobile wireless phone configured to execute a process to

conduct a payment transaction in response to communication with a terminal using a near field communications mechanism;

generate a request to a user of the mobile phone asking the user if they wish to generate additional information related to the payment transaction;

activate a function of the mobile wireless phone to generate the additional information related to the payment transaction, wherein the additional information assists the user to recollect the circumstances of the payment transaction;

associate the additional information with an identifier for the payment transaction; and

transfer the additional information and the associated identifier over a wireless network; and

a server configured to execute a process to

receive the additional information and the associated identifier;

process the received additional information;

generate an account statement for the user; and

present the account statement to the user, wherein the account statement includes the additional transaction related information or a mechanism for accessing the additional transaction related information.

21. The system of claim 20, wherein the function of the mobile wireless phone that is activated to generate the additional information related to the payment transaction is a camera.

22. The system of claim 20, wherein the function of the mobile wireless phone that is activated to generate the additional information related to the payment transaction is a messaging application.

23. The system of claim 20, wherein the function of the mobile wireless phone that is activated to generate the additional information related to the payment transaction is a location determining application.

24. The system of claim 20, 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.