AUTOMATIC REGISTRATION AND GENERATION OF CONSUMER PAYMENT CREDENTIALS USING INTERNET-CONNECTED APPLIANCES

• US 20140046848A1
• Filed: 08/09/2013
• Published: 02/13/2014
• Est. Priority Date: 08/10/2012
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Radu, Cristian, Ates, Fikret, Pochic, Sebastien, Ekselius, Lukas
• Application Number:
  US13/963,141
• Publication Number:
  US 20140046848A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 10/00 Administration; Management
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• 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 20/401 Transaction verification
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/00 Commerce

Abstract

Systems, apparatus and methods for allowing cardholders to conveniently and securely purchase items online using an Internet-connected appliance. An Internet-connected appliance reads payment account data from a cardholder payment device and transmits a cardholder registration request to a gateway server. The Internet-connected appliance receives a cardholder verification request, prompts the cardholder to respond, transmits the response, receives a cardholder authentication message, and then stores the cardholder payment account data in a dedicated storage element. In an implementation, the Internet-connected appliance receives a purchase instruction for an online purchase, automatically generates and transmits a purchase transaction request, receives a purchase transaction response, and provides the purchase transaction response to the cardholder.

Claims

1. A method comprising:

reading, by a reader device associated with an Internet-connected appliance, payment account data from at least one payment device of a cardholder;

transmitting, by the Internet-connected appliance, a cardholder registration request to a gateway server that includes the payment account data;

receiving a cardholder verification request;

prompting, by the Internet-connected appliance, the cardholder to respond to the cardholder verification request;

transmitting, by the Internet-connected appliance, a response received from the cardholder to the gateway server;

receiving a cardholder authentication message; and

storing, by the Internet-connected appliance, the cardholder payment account data in a dedicated storage element of the Internet-connected appliance.

2. The method of claim 1, further comprising:

receiving, by the Internet-connected appliance, a purchase instruction for an online purchase from the cardholder;

automatically generating, by the Internet-connected appliance, a purchase transaction request using the cardholder payment account data stored in the dedicated storage element;

transmitting, by the Internet-connected appliance, the purchase transaction request to the gateway server;

receiving a purchase transaction response; and

providing, by the Internet-connected appliance, the purchase transaction response to the cardholder.

3. The method of claim 1, further comprising:

prompting, by the Internet-connected appliance, the cardholder to provide a passcode to utilize when a purchase instruction is received;

receiving input of a passcode from the cardholder; and

storing the passcode in the dedicated storage element.

4. The method of claim 3, further comprising:

receiving, by the Internet-connected appliance, a purchase instruction for an online purchase from the cardholder;

prompting, by the Internet-connected appliance, the cardholder to provide the passcode;

validating the passcode; and

automatically generating, by the Internet-connected appliance, a purchase transaction request including the cardholder payment account data stored in the dedicated storage element.

5. The method of claim 4, further comprising:

transmitting, by the Internet-connected appliance, the purchase transaction request to the gateway server;

receiving a purchase transaction response; and

providing, by the Internet-connected appliance, the purchase transaction response to the cardholder.

6. The method of claim 5, wherein transmitting the purchase transaction request further comprises transmitting, by the Internet-connected appliance, an identifier associated with the Internet-connected appliance.

7. The method of claim 3, further comprising:

receiving, by the Internet-connected appliance, a purchase instruction for an online purchase from a cardholder;

prompting, by the Internet-connected appliance, the cardholder to provide the passcode;

determining that the passcode is incorrect; and

providing, by the Internet-connected appliance to the cardholder, a passcode failure message.

8. The method of claim 1, further comprising, subsequent to transmitting the cardholder response to the gateway server:

receiving, from the gateway server, a negative cardholder authentication message; and

providing, by the Internet-connected appliance, a registration failure message to the cardholder.

9. The method of claim 1, wherein the Internet-connected appliance comprises one of a set-top box (STB), a flat-screen television, a microwave oven, and a refrigerator.

10. The method of claim 1, wherein reading the payment account data further comprises:

reading, by the Internet-connected appliance, proxy data from the at least one payment device; and

storing, by the Internet-connected appliance, the proxy data in the dedicated storage element.

11. The method of claim 10, wherein transmitting the cardholder registration request further comprises transmitting, by the Internet-connected appliance, the proxy data.

12. The method of claim 10, further comprising:

receiving, by the Internet-connected appliance, a purchase instruction for an online purchase from a cardholder;

automatically generating, by the Internet-connected appliance, a purchase transaction request using the proxy data stored in the dedicated storage element;

transmitting, by the Internet-connected appliance, the purchase transaction request to the gateway server;

receiving a purchase transaction response; and

providing, by the Internet-connected appliance, the purchase transaction response to the cardholder.

13. The method of claim 1, further comprising, prior to transmitting the cardholder registration request:

obtaining, by the Internet-connected device, proxy data from an entity; and

storing, by the Internet-connected appliance, the proxy data in the dedicated storage element.

14. The method of claim 13, wherein transmitting the cardholder registration request further comprises transmitting, by the Internet-connected appliance, the proxy data.

15. The method of claim 13, further comprising:

receiving, by the Internet-connected appliance, a purchase instruction for an online purchase from a cardholder;

automatically generating, by the Internet-connected appliance, a purchase transaction request using the proxy data stored in the dedicated storage element;

transmitting, by the Internet-connected appliance, the purchase transaction request to the gateway server;

receiving a purchase transaction response; and

providing, by the Internet-connected appliance, the purchase transaction response to the cardholder.

16. The method of claim 13, wherein the entity comprises one of a cable operator, a manufacturer of the Internet-connected appliance, or a payments processing provider.

17. The method of claim 13, wherein the proxy data comprises data associated with an attribute of the Internet-connected appliance.

18. The method of claim 17, wherein the attribute comprises at least one of a unit serial number, an internet-protocol (IP) address, and a model-type.

19. An Internet-connected appliance, comprising:

a processor;

a reader operably connected to the processor;

an internet connector operably connected to the processor; and

a storage device operably connected to the processor, wherein the storage device includes a dedicated storage element, and wherein the storage device stores instructions configured to cause the processor to;

provide instructions to the reader for obtaining payment account data from at least one payment device of a cardholder;

transmit, based on the payment account data, a cardholder registration request to a gateway server;

receive a cardholder verification request;

prompt the cardholder to respond;

transmit a response from the cardholder to the gateway server;

receive a cardholder authentication message; and

store the cardholder payment account data in the dedicated storage element.

20. A transaction system comprising

at least one Internet-connected appliance;

a gateway server in communication with the Internet-connected appliance;

a payment network in communication with the gateway server; and

at least one merchant server configured for communication with the gateway server and the Internet-connected appliance;

wherein the Internet-connected appliance comprises a processor, a reader operably connected to the processor, an internet connector component operably connected to the processor, and a storage device including a dedicated storage element, the storage device operably connected to the processor and storing instructions configured to cause the processor to;

instruct the reader to obtain payment account data from at least one payment device of a cardholder;

transmit, based on the payment account data, a cardholder registration request to a gateway server;

receive a cardholder verification request;

prompt the cardholder to respond;

transmit a response from the cardholder to the gateway server;

receive a cardholder authentication message; and

store the cardholder payment account data in the dedicated storage element.