DIRECT CONNECTION SYSTEMS AND METHODS

• US 20120221468A1
• Filed: 02/24/2012
• Published: 08/30/2012
• Est. Priority Date: 02/25/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Kumnick, Phil, Koganti, Krishna, Wuichet, Davidson, Cato, Lloyd, Kusheba, Jeff
• Granted Patent: US 8,924,297 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/306 using TV related infrastructures external card used for payment with client device H04N21/4185
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• 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 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions

Abstract

Embodiments of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.

Claims

1. A method comprising:

receiving a first communication comprising an authorization request message and a second communication comprising non-payment transaction data at a server computer, wherein the authorization request message and the non-payment transaction data are associated with the same transaction identifier;

processing the authorization request message by the server computer; and

processing the non-payment transaction data by the server computer.

2. The method of claim 1, wherein processing the authorization request message comprises, transmitting the authorization request message to an issuer computer, and wherein an acquirer computer is not present between the server computer and the merchant computer.

3. The method of claim 1, wherein processing the non-payment transaction data by the server computer comprises generating and transmitting a coupon to a communication device operated by a consumer.

4. The method of claim 1, wherein the first communication and the second communication occur over the same communication channel.

5. The method of claim 1, wherein the first communication and the second communication occur over different communication channels.

6. The method of claim 1, wherein the first communication and the second communication pass over a direct exchange network to the server computer at approximately the same time.

7. The method of claim 1, wherein the first communication and the second communication pass over a direct exchange network to the server computer at different times.

8. A method comprising:

receiving from an access device associated with a merchant, at a server computer, non-payment transaction data and data relating to an authorization request message, wherein the authorization request message is received through a first communication and the non-payment transaction data is received through a second communication, and wherein the authorization request message and the non-payment transaction data are associated with the same transaction identifier;

formatting the authorization request message and the non-payment transaction data by the server computer; and

transmitting by the server computer the formatted authorization request message to an issuer computer.

9. The method of claim 8, wherein the first communication and the second communication are received at approximately the same time.

10. The method of claim 8, wherein the first communication and the second communication are received at different times.

11. A server computer comprising:

a processor; and

a non-transitory computer-readable storage medium, comprising code executable by the processor for implementing a method comprising;

receiving a first communication comprising an authorization request message and a second communication comprising non-payment transaction data, wherein the authorization request message and the non-payment transaction data are associated with the same transaction identifier;

processing the authorization request message; and

processing the non-payment transaction data.

12. The server computer of claim 11, wherein processing the authorization request message comprises, transmitting the authorization request message to an issuer computer, and wherein an acquirer computer is not present between the server computer and a merchant computer.

13. The server computer of claim 11, wherein processing the non-payment transaction data comprises generating and transmitting a coupon to a communication device operated by a consumer.

14. The server computer of claim 11, wherein the first communication and the second communication occur over the same communication channel.

15. The server computer of claim 11, wherein the first communication and the second communication occur over different communication channels.

16. The server computer of claim 11, wherein the first communication and the second communication pass over a direct exchange network to the server computer at approximately the same time.

17. The server computer of claim 11, wherein the first communication and the second communication pass over a direct exchange network to the server computer at different times.

18. A server computer comprising:

a processor; and

a non-transitory computer-readable storage medium, comprising code executable by the processor for implementing a method comprising;

receiving from an access device associated with a merchant, non-payment transaction data and data relating to an authorization request message, wherein the authorization request message is received through a first communication and the non-payment transaction data is received through a second communication, and wherein the authorization request message and the non-payment transaction data are associated with the same transaction identifier;

formatting the authorization request message and the non-payment transaction data; and

transmitting the formatted authorization request message to an issuer computer.

19. The server computer of claim 18, wherein the first communication and the second communication are received at approximately the same time.

20. The server computer of claim 18, wherein the first communication and the second communication are received at different times.

21. A method comprising:

generating, by a computer, a plurality of acquirer capture files for a plurality of different acquirers using different data formats; and

transmitting the capture files to the plurality of different acquirers.

22. The method of claim 21, wherein the capture files are in an XML format.

23. The method of claim 21, further comprising:

accessing a database of acquirer information prior to generating the plurality of acquirer capture files.

24. The method of claim 21, further comprising:

transmitting an acknowledgement message.

25. The method of claim 21, wherein generating is part of a clearing and settlement process.

26-40. -40. (canceled)