Systems and Methods to Communicate with Transaction Terminals

• US 20130024307A1
• Filed: 07/12/2012
• Published: 01/24/2013
• Est. Priority Date: 07/13/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Fuerstenberg, Zack, Cueli, Allen
• Granted Patent: US 9,240,011 B2
• Time in Patent Office: Days
• US Class Current: 705/18
• CPC Class Codes: G06F 21/44 Program or device authentication
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• 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 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G07F 9/001 Interfacing with vending machines using mobile or wearable devices
• CPC Class Codes: G07F 9/009 User recognition or proximity detection

Abstract

A transaction terminal is configured with an application that is configured to present a user interface for out-of-band communication with a transaction handler during the processing of a payment transaction. The transaction handler is configured invoke the application in the transaction terminal via transmitting a predetermined code in an authorization response message.

Claims

1. A method implemented in a transaction terminal, the method comprising:

receiving, in the transaction terminal for a payment transaction, a code provided in an authorization response from a transaction handler, wherein the transaction handler is configured to communicate with transaction terminals via acquirer processors in receiving authorization requests and providing authorization responses;

in response to detection of the code in the authorization response, invoking, by the transaction terminal, an application running in the transaction terminal to present a user interface based on an out-of-band communication connection between the application and a portal of the transaction handler;

receiving, in the user interface, at least one user response related to the payment transaction prior to completion of the payment transaction on the transaction terminal; and

transmitting, by the transaction terminal via the application, the user response to the portal of the transaction handler via the out-of-band communication connection.

2. The method of claim 1, wherein the transaction terminal includes a transaction processor running in parallel with the application.

3. The method of claim 2, wherein the transaction processor is configured to invoke the application in response to the code provided in the authorization response.

4. The method of claim 1, wherein the transaction processor is configured to complete the payment transaction after the application completes a communication session with the portal of the transaction handler.

5. The method of claim 1, wherein the code is predetermined to indicate a request for the out-of-band communication connection.

6. The method of claim 1, wherein the code includes an address to make the out-of-band communication connection.

7. The method of claim 1, wherein if the code is not present in the authorization response, the application is not invoked for the out-of-band communication connection.

8. A transaction terminal, comprising:

a transaction processor configured to communicate with an acquirer processor to process payment transactions, the transaction processor configured to detect a code in an authorization response for a transaction; and

an application running in a background in the transaction terminal, wherein when the transaction processor detects the code in the authorization response for the transaction, the transaction processor invokes the application to present a user interface based on an out-of-band communication connection between the transaction terminal and a portal of a transaction handler that provides the authorization response.

9. The transaction terminal of claim 8, wherein the application is configured to receive user interface data over the out-of-band communication connection to configure the user interface.

10. The transaction terminal of claim 9, wherein the application is further configured to transmit user input received in the user interface to the portal over the out-of-band communication connection.

11. The transaction terminal of claim 8, wherein the application is further configured to connect to a portal of an issuer processor in response to an instruction received via the out-of-band communication connection from the portal of the transaction handler.

12. The transaction terminal of claim 8, wherein the transaction processor is configured to invoke the application at a predetermined stage of processing of the transaction, after the code is detected in the authorization response.

13. The computing apparatus of claim 8, further comprising a display device, wherein a user interface of the application is not presented on the display device until the transaction processor invokes the application.

14. The computing apparatus of claim 13, further comprising an input device, wherein the user interface of the application is configured to receive a user input via the input device and transmit the user input via the out-of-band communication connection to the portal of the transaction handler.

15. A computing apparatus, comprising:

a transaction handler configured to communicate with issuer processors to provide authorization responses to transactions initiated on transaction terminals and to provide the authorization responses to the transaction terminals via acquirer processors, the transaction handler further configured to detect a transaction that satisfies a trigger record, the trigger record identifying an operation;

a data warehouse configured to store data associating with the operation with user interface data; and

a portal coupled with the data warehouse and the transaction handler to receive information about the transaction if the transaction satisfies the trigger record and determine whether the transaction satisfies conditions required by the operation;

wherein if the transaction satisfies the conditions required by the operation, the portal is configured to store data to associate a transaction identifier of the transaction with the operation, instruct the transaction handler to provide an indicator of connection request in an authorization response for the transaction, accept a connection from a transaction terminal receiving the authorization response for the transaction, and identify the operation for the connection based on the transaction identifier of the transaction; and

wherein the transaction terminal is configured to use the connection to present a user interface at a predetermined stage of transaction processing of the transaction.

16. The computing apparatus of claim 15, wherein the connection does not go through an acquirer associated with the transaction terminal.

17. The computing apparatus of claim 16, wherein the data warehouse is further configured to store data associating the operation with user interface data;

and

the portal is configured to use the connection to transmit the user interface data to an application in the transaction terminal to present the user interface.

18. The computing apparatus of claim 17, wherein the transaction terminal is configured to use the user interface for authentication challenge and response.

19. The computing apparatus of claim 17, wherein the transaction terminal is configured to use the user interface to implement an offer redemption mechanism.

20. The computing apparatus of claim 17, wherein the user interface data defines the user interface in a markup language.