METHOD AND SYSTEM FOR CORRELATING DIVERSE TRANSACTION DATA

• US 20130332344A1
• Filed: 06/05/2013
• Published: 12/12/2013
• Est. Priority Date: 06/06/2012
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Weber, Lance
• Granted Patent: US 9,524,501 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/38 Payment protocols; Details thereof
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/383 Anonymous user system
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0281 Customer communication at a business location, e.g. providing product or service information, consulting

Abstract

Embodiments of the present invention are directed to methods, systems, and apparatuses for matching e-commerce and physical point-of-sale transaction data. In one embodiment, a method includes receiving, by a computer, first transaction data comprising a payment token or second transaction data comprising a primary account identifier, wherein the payment token is derived from the primary account identifier, and providing, by the computer, a universal account identifier after receiving the payment token or the account identifier, wherein the universal account identifier is a substitute for the payment token and the primary account identifier.

Claims

1. A server computer comprising:

a processor; and

a computer-readable medium coupled to the processor, the computer-readable medium comprising code executable by the processor for performing a method, the method comprising;

receiving first transaction data comprising a payment token or second transaction data comprising a primary account identifier, wherein the payment token is derived from the primary account identifier; and

providing a universal account identifier after receiving the payment token or the primary account identifier, wherein the universal account identifier is a substitute for the payment token and the primary account identifier.

2. The server computer of claim 1,

wherein receiving the first transaction data comprising a payment token or the second transaction data comprising the primary account identifier, comprises receiving the first transaction data comprising the payment token, and

wherein providing the universal account identifier after receiving the payment token or the primary account identifier, comprises providing the universal account identifier after receiving the payment token, and wherein the method further comprises:

receiving, by the computer, second transaction data comprising the primary account identifier; and

providing, by the computer, the universal account identifier after receiving the primary account identifier.

3. The server computer of claim 1, wherein the receiving and providing are performed during a payment transaction conducted using the payment token or the primary account identifier.

4. The server computer of claim 1, wherein the receiving and providing are performed after a payment transaction conducted using the payment token or the primary account identifier.

5. The server computer of claim 1, wherein providing the universal account identifier after receiving the payment token further comprises:

sending a de-tokenization request to a merchant processor associated with the transaction data;

receiving the primary account identifier associated with the transaction data from the processor; and

generating the universal account identifier applying a conversion algorithm to the primary account identifier.

6. The server computer of claim 5, wherein the conversion algorithm produces a unique and repeatable universal account identifier for the primary account identifier.

7. The server computer of claim 1, wherein the universal account identifier is stored at a merchant analytics database, and wherein the universal account identifier is associated with a consumer'"'"'s e-commerce transactions and retail transactions.

8. A method comprising:

receiving, by a computer, transaction data comprising a payment token or second transaction data comprising a primary account identifier, wherein the payment token is derived from the primary account identifier; and

providing, by the computer, a universal account identifier after receiving the payment token or the primary account identifier, wherein the universal account identifier is a substitute for the payment token and the primary account identifier.

9. The method of claim 8,

wherein receiving, by the computer, the first transaction data comprising a payment token or the second transaction data comprising the primary account identifier, comprises receiving the first transaction data comprising the payment token, and

wherein providing, by the computer, the universal account identifier after receiving the payment token or the primary account identifier, comprises providing, by the computer, the universal account identifier after receiving the payment token, and wherein the method further comprises:

receiving, by the computer, the second transaction data comprising the primary account identifier; and

providing, by the computer, the universal account identifier after receiving the primary account identifier.

10. The method of claim 8, wherein the receiving and providing are performed during a payment transaction conducted using the payment token or the primary account identifier.

11. The method of claim 8, wherein the receiving and providing are performed after a payment transaction conducted using the payment token or the primary account identifier.

12. The method of claim 11, wherein providing, by the computer, the universal account identifier after receiving the payment token further comprises:

sending a de-tokenization request to a merchant processor associated with the transaction data;

receiving the primary account identifier associated with the transaction data from the processor; and

generating the universal account identifier applying a conversion algorithm to the primary account identifier.

13. The method of claim 12, wherein the conversion algorithm produces a unique and repeatable universal account identifier for the primary account identifier.

14. The method of claim 8, wherein the universal account identifier is stored at a merchant analytics database, and wherein the universal account identifier is associated with a consumer'"'"'s e-commerce transactions and retail transactions.

15. A server computer comprising:

a processor; and

a computer-readable medium coupled to the processor, the computer-readable medium comprising code executable by the processor for performing a method, the method comprising;

receiving e-commerce transaction data including a payment token from a merchant computer;

determining a primary account identifier associated with the payment token;

determining a universal account identifier associated with the primary account identifier; and

sending the universal account identifier to the merchant computer, wherein the merchant computer stores the universal account identifier in a database comprising e-commerce transaction data and retail transaction data.

16. The server computer of claim 15, wherein determining the universal account identifier associated with the primary account identifier further comprises:

sending a universal account identifier request message comprising the primary account identifier, wherein the server computer generates a universal account identifier by applying a conversion algorithm to the primary account identifier; and

receiving a universal account identifier response message comprising the universal account identifier.

17. The server computer of claim 15, wherein determining, by the computer, the universal account identifier associated with the primary account identifier further comprises:

generating the universal account identifier by applying a conversion algorithm to the primary account identifier.

18. A method comprising:

receiving, by a computer, e-commerce transaction data including a payment token from a merchant computer;

determining, by the computer, a primary account identifier associated with the payment token;

determining, by the computer, a universal account identifier associated with the primary account identifier; and

sending, by the computer, the universal account identifier to the merchant computer, wherein the merchant may store the universal account identifier in a database comprising e-commerce transaction data and retail transaction data, wherein the universal account identifier is associated with a consumer'"'"'s e-commerce transaction data and retail transaction data.

19. The method of claim 18, wherein determining, by the computer, the universal account identifier associated with the primary account identifier further comprises:

sending, to a server computer, a universal account identifier request message comprising the primary account identifier, wherein the server computer generates a universal account identifier by applying a conversion algorithm to the primary account identifier; and

receiving, by the computer, a universal account identifier response message comprising the universal account identifier.

20. The method of claim 18, wherein determining, by the computer, the universal account identifier associated with the primary account identifier further comprises generating the universal account identifier by applying a conversion algorithm to the primary account identifier.