CONTACTLESS MESSAGE TRANSMISSION
First Claim
Patent Images
1. A method comprising:
- determining, by a processor in a mobile payment device, merchant consumable data;
generating, by the processor, a data transfer message, the data transfer message comprising a plurality of pre-designated data fields designed to contain data other than the merchant consumable data;
inserting, by the processor, the merchant consumable data into one of the plurality of designated data fields designed to contain data other than the merchant consumable data; and
providing, by the processor, the data transfer message to an access device,wherein the access device is configured to extract the merchant consumable data from the data transfer message and process the merchant consumable data.
1 Assignment
0 Petitions
Accused Products
Abstract
A system and method uses one or more repurposed data fields in a payment transaction message to pass the merchant consumable data from a mobile device to the merchant system using an existing channel. The merchant consumable data relate to loyalty or rewards.
16 Citations
20 Claims
-
1. A method comprising:
-
determining, by a processor in a mobile payment device, merchant consumable data; generating, by the processor, a data transfer message, the data transfer message comprising a plurality of pre-designated data fields designed to contain data other than the merchant consumable data; inserting, by the processor, the merchant consumable data into one of the plurality of designated data fields designed to contain data other than the merchant consumable data; and providing, by the processor, the data transfer message to an access device, wherein the access device is configured to extract the merchant consumable data from the data transfer message and process the merchant consumable data. - View Dependent Claims (2, 3, 4, 5)
-
-
6. A mobile payment device comprising:
-
a processor; and a computer readable medium comprising code, executable by the processor, for implementing a method comprising; determining merchant consumable data; generating a data transfer message, the data transfer message comprising a plurality of pre-designated data fields designed to contain data other than the merchant consumable data; inserting the merchant consumable data into one of the plurality of designated data fields designed to contain data other than the merchant consumable data; and providing the data transfer message to an access device, wherein the access device is configured to extract the merchant consumable data from the data transfer message and process the merchant consumable data. - View Dependent Claims (7, 8, 9, 10)
-
-
11. A method comprising:
-
receiving, by a processor, a data transfer message from a mobile payment device, wherein the data transfer message comprises a plurality of pre-designated data fields designed to contain data other than the merchant consumable data, and merchant consumable data in one of the pre-designated data fields; extracting, by the processor, the merchant consumable data; and processing, by the processor, the merchant consumable data. - View Dependent Claims (12, 13, 14)
-
-
15. A device comprising:
-
a processor; and and a computer readable medium comprising code, executable by the processor, for implementing a method comprising; receiving a data transfer message from a mobile payment device, wherein the data transfer message comprises a plurality of pre-designated data fields designed to contain data other than the merchant consumable data, and merchant consumable data in one of the pre-designated data fields; extracting the merchant consumable data; and processing the merchant consumable data. - View Dependent Claims (16, 17, 18, 19, 20)
-
Specification