SYSTEMS AND METHODS FOR DISTRIBUTED ENHANCED PAYMENT PROCESSING

• US 20140040145A1
• Filed: 01/16/2013
• Published: 02/06/2014
• Est. Priority Date: 07/31/2012
• Status: Active Grant

• Current Assignee: Worldpay, LLC (Fidelity National Information Services Incorporated)
• Original Assignee: Worldpay, LLC (Fidelity National Information Services Incorporated)
• Inventors: Ozvat, Matthew D., Plomske, Michelle K., Watts, Charles E., Bonestell, Robert, Ourada, Daniel, Oliver, Kevin
• Granted Patent: US 10,346,838 B2
• Time in Patent Office: Days
• US Class Current: 705/64
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• 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 20/401 Transaction verification

Abstract

A distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a remote virtual electronic payment (VEP) entity system. Upon receiving a VEP entity system response, the payment management system outputs the response and token to the POS terminal system.

Claims

1. In a distributed enhanced payment processing system, a method for virtual electronic payment (VEP) processing comprising:

initiating a request for a transaction at a point of sale terminal system of a merchant, wherein the transaction includes receiving a payment amount from a purchaser;

continuing the transaction at the point of sale terminal system, wherein the transaction—

includes receiving a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client, and wherein the purchaser account identifier includes at least one of a primary account number, a unique purchaser alias and a purchaser biometric identifier;

outputting the transaction from the point of sale terminal system of the merchant;

receiving the transaction at a remote payment management system;

validating the merchant ID against merchant logs, wherein the validation ensures the merchant is configured for tokenization;

generating a token for the transaction, wherein the token includes the purchaser account identifier, an expiration, and a group ID;

providing the purchaser account identifier, a merchant account identifier, and the payment amount to a remote virtual electronic payment (VEP) entity system;

receiving a response from the remote VEP entity system; and

outputting the response and the token to the point of sale terminal system of the merchant.

2. The method of claim 1, wherein the transaction is encrypted.

3. The method of claim 2, further comprising decrypting the transaction.

4. The method of claim 1, wherein the token is encrypted.

5. The method of claim 1, wherein a group ID enables particular merchants to redeem the token.

6. The method of claim 5, further comprising associating merchants to the group ID.

7. The method of claim 1, further comprising querying a database for merchant configuration.

8. The method of claim 7, further comprising declining the transaction if the merchant configuration does not match the transaction.

9. The method of claim 7, further comprising updating the database for changes in merchant configuration.

10. The method of claim 1 further comprising displaying an outcome of the transaction to the purchaser.

11. The method of claim 1, further comprising:

receiving the token from the point of sale terminal system of the merchant;

validating the merchant ID against merchant logs, wherein the validation ensures the merchant is configured for tokenization;

decrypting the token;

comparing the group ID to the merchant ID in the merchant logs;

providing the purchaser account identifier, the merchant account identifier and the payment amount to the remote VEP entity system;

receiving a second response from the remote VEP entity system; and

outputting the second response to the point of sale terminal system of the merchant.

12. A distributed enhanced payment processing system configured to process virtual electronic payment, the system comprising:

a merchant point of sale (POS) terminal system configured to;

initiate a request for a transaction that includes receiving a payment amount from a purchaser;

receive a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client installed in the POS terminal system, and wherein the purchaser account identifier includes at least one of a primary account number, a unique purchaser alias and a purchaser biometric identifier; and

outputting the transaction; and

a remote payment management system configured to;

receive the transaction from the POS terminal system;

validate the merchant ID against merchant logs, wherein the validation ensures the merchant is configured for tokenization;

generate a token for the transaction, wherein the token includes the purchaser account identifier, an expiration, and a group ID;

provide the purchaser account identifier, a merchant account identifier, and the payment amount to a remote virtual electronic payment (VEP) entity system;

receiving a response from the remote VEP entity system; and

output the response and the token to the POS terminal system.

13. The system of claim 12, wherein the transaction is encrypted.

14. The system of claim 13, wherein the remote payment management system is further configured to decrypt the transaction.

15. The system of claim 12, wherein the token is encrypted.

16. The system of claim 12, wherein a group ID enables particular merchants to redeem the token.

17. The system of claim 16, wherein the remote payment management system is further configured to associate merchants to the group ID.

18. The system of claim 12, wherein the remote payment management system is further configured to query a database for merchant configuration.

19. The system of claim 18, wherein the remote payment management system is further configured to decline the transaction if the merchant configuration does not match the transaction.

20. The system of claim 18, wherein the remote payment management system is further configured to update the database for changes in merchant configuration.

21. The system of claim 12 wherein the merchant POS terminal system is further configured to display an outcome of the transaction to the purchaser.

22. The system of claim 12, wherein the remote payment management system is further configured to:

receive the token from the merchant point of sale terminal system;

validate the merchant ID against merchant logs, wherein the validation ensures the merchant is configured for tokenization;

decrypt the token;

compare the group ID to the merchant ID in the merchant logs;

provide the purchaser account identifier, the merchant account identifier and the payment amount to the remote VEP entity system;

receive a second response from the remote VEP entity system; and

output the second response to the merchant point of sale terminal system.

23. The system of claim 12, wherein the payment client at the merchant POS terminal system is configured to display merchant selected VEP payer choices.

24. The system of claim 12, wherein the payment client at the merchant POS terminal system is pre-configured to display payment control subscreens with ‘

look and feel’

persona consistent with control screens of the merchant POS terminal system.