TECHNIQUES FOR CREDIT CARD PROCESSING

• US 20140358794A1
• Filed: 06/04/2013
• Published: 12/04/2014
• Est. Priority Date: 06/04/2013
• Status: Abandoned Application

• Current Assignee: NCR Voyix Corporation
• Original Assignee: NCR Corporation (NCR Voyix Corporation)
• Inventors: Finley, Michael Cain
• Application Number:
  US13/909,140
• Publication Number:
  US 20140358794A1
• Time in Patent Office: Days
• US Class Current: 705/71
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• 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 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules

Abstract

Techniques for credit card processing are provided. A credit card with a wireless interface wirelessly connects with a mobile device of a consumer that possesses the credit card. The mobile device is a relay between the credit card and a transaction processing device for a transaction to prove the credit card is present for the transaction and obtain Card Present rates for a retailer of the transaction.

Claims

1. A processor-implemented method programmed in memory or a non-transitory processor-readable medium and to execute on one or more processors of a device configured to execute the method, comprising:

receiving, by the device, an indication from a mobile device that the mobile device is in wireless communication with a payment card of a consumer;

querying, by the device, information from the payment card via interactions with the mobile device to complete a transaction with the consumer; and

completing, from the device, the transaction on behalf of the consumer and a retailer based on the information and transaction details associated with the transaction.

2. The method of claim 1, wherein receiving further identifying the mobile device as a registered device with the retailer on receipt of the indication.

3. The method of claim 1, wherein receiving further includes instructing the mobile device to prompt the consumer for a Personal Identification Number (PIN) associated with the payment card for verification.

4. The method of claim 1, wherein receiving further includes acquiring with the indication the transaction details for the transaction.

5. The method of claim 1, wherein receiving further includes instructing the mobile device to pass an encryption key to the payment card for use in transferring the information.

6. The method of claim 5, wherein instructing further includes generating the encryption key as a temporary transaction key tied to the transaction.

7. The method of claim 1, wherein querying further includes obtaining from the information a payment card number.

8. The method of claim 7, wherein obtaining further includes acquiring from the information one or more of:

an expiration date, a billing zip code for the consumer of the payment card, and a security code associated with the payment card.

9. The method of claim 1, wherein querying further includes decrypting the information, wherein the payment card encrypts the information and the encrypted information is passed through the mobile device.

10. The method of claim 1, wherein decrypting further includes using a key registered to the consumer to decrypt the encrypted information.

11. The method of claim 1, wherein completing further includes sending receipt details back to the mobile device to display on completion of the transaction for viewing by the consumer or storage by the consumer.

12. A processor-implemented method programmed in memory or a non-transitory processor-readable medium and to execute on one or more processors of a handheld device configured to execute the method, comprising:

recognizing, by the handheld device, a wireless connection request from a payment card in proximity to the handheld device;

establishing, by the handheld device, a wireless communication session for a transaction of a consumer; and

proxying, by the handheld device, communications between the payment card and a transaction server during the wireless communication session to complete the transaction between the consumer and a retailer.

13. The method of claim 12, wherein recognizing further includes pinging the payment card to initiate the wireless connection request.

14. The method of claim 12, wherein recognizing further includes identifying the wireless connection request as one of:

a Near Field Communication (NFC) request, a Bluetooth request, a Bluetooth Low Energy (BLE) request, a Wi-Fi request, and a Radio Frequency (RF) request.

15. The method of claim 12, wherein establishing further includes creating a second communication session with the transaction server to facilitate the proxying between the payment card and the transaction server.

16. The method of claim 12, wherein establishing further includes interacting with the consumer to authenticate the wireless communication session with the payment card.

17. The method of claim 12, wherein proxying further includes encrypting details passed from the payment card to the transaction server based on an encryption key acquired for the transaction from the transaction server.

18. The method of claim 12 further comprising, scrubbing, by the handheld device, any transaction details remaining in memory or in storage on the handheld device when the transaction completes.

19. A system, comprising:

a transaction device having a Point-Of-Sale (POS) transaction manager programmed within memory and/or a non-transitory computer-readable medium for execution on the transaction device; and

a payment card device having a mobile transaction agent programmed within memory and/or a non-transitory computer-readable storage media for execution on the payment card device;

wherein the POS transaction manager is configured to interact with a mobile device of a consumer for a transaction to acquire payment card details from the mobile transaction agent, the mobile transaction agent configured to interact with the mobile device to process requests sent from the POS transaction manager and return information to the POS transaction manager via the mobile device.

20. The apparatus of claim 19, wherein the payment card device is a credit card equipped with processing abilities and wireless communication abilities.