TRANSACTIONS USING TEMPORARY CREDENTIAL DATA

• US 20150161597A1
• Filed: 12/09/2014
• Published: 06/11/2015
• Est. Priority Date: 12/09/2013
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Subramanian, Kaushik, Raj, Thanigaivel Ashwin, Makhdumi, Uzma, Greene, Bradley
• Application Number:
  US14/565,066
• Publication Number:
  US 20150161597A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/0855 involving a third party
• 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 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02

Abstract

A method is disclosed. The method includes receiving a credential request message requesting a temporary credential associated with a payment account, and then determining, by a server computer, using a routing table and data associated with the payment card, a third-party computer associated with the payment account. The method also includes transmitting the credential request message to the third-party computer, and receiving, by the server computer, the temporary credential from the third-party computer. The method also includes determining, by the server computer, the communication device associated with the requested temporary credential and transmitting, by the server computer, the temporary credential to the communication device.

Claims

1. A method comprising:

receiving, by a server computer and from a communication device, a credential request message requesting a temporary credential associated with a payment account;

determining, by the server computer, using a routing table and data associated with the payment account, a third-party computer associated with the payment account;

transmitting, by the server computer, the credential request message to the third-party computer;

receiving, by the server computer, the temporary credential from the third-party computer;

determining, by the server computer, the communication device associated with the requested temporary credential; and

transmitting, by the server computer, the temporary credential to the communication device.

2. The method of claim 1, wherein the temporary credential is a payment token that is a substitute for a payment account number of the payment account.

3. The method of claim 1, wherein the third party computer is an issuer computer.

4. The method of claim 1, wherein the payment account is associated with a payment card.

5. The method of claim 1, wherein the third-party computer is a merchant computer.

6. The method of claim 1, wherein the communication device is a phone that is capable of communicating with a point-of-sale (POS) terminal using an radio frequency (RF) communication channel.

7. 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 implementing a method comprising:

receiving, by the server computer and from a communication device, a credential request message requesting a temporary credential associated with a payment account;

determining, by the server computer, using a routing table and data associated with the payment account, a third-party computer associated with the payment account;

transmitting, by the server computer, the credential request message to the third-party computer;

receiving, by the server computer, the temporary credential from the third-party computer;

determining, by the server computer, the communication device associated with the requested temporary credential; and

transmitting, by the server computer, the temporary credential to the communication device.

8. The server computer of claim 7, wherein the temporary credential is a payment token that is a substitute for a payment account number of the payment account.

9. The server computer of claim 7, wherein the third party computer is an issuer computer.

10. The server computer of claim 7, wherein the payment account is associated with a payment card.

11. The server computer of claim 7, wherein the third-party computer is a merchant computer.

12. The server computer of claim 7, wherein the communication device is a phone that is capable of communicating with a point-of-sale (POS) terminal using an radio frequency (RF) communication channel.

13. A method comprising:

receiving, by a server computer, a credential request message from a communication device requesting a temporary credential associated with a predetermined amount;

transmitting, by the server computer, an authorization hold request message;

receiving, by the server computer, an authorization hold response message; and

providing, by the server computer, the temporary credential to the communication device.

14. The method of claim 13, wherein the temporary credential is a payment token.

15. The method of claim 13, wherein the temporary credential is a payment token of a predetermined value, and wherein the authorization hold request includes an amount that is equal to or greater than the predetermined value.

16. The method of claim 13, further comprising:

receiving an authorization request message comprising the temporary credential; and

transmitting an authorization response message comprising the temporary credential.

17. 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 implementing a method comprising:

receiving, by the server computer, a credential request message from a communication device requesting a temporary credential associated with a predetermined amount

transmitting, by the server computer, an authorization hold request message;

receiving, by the server computer, an authorization hold response message; and

providing, by the server computer, the temporary credential to the communication device.

18. The server computer of claim 17, wherein the temporary credential is a payment token.

19. The server computer of claim 17, wherein the temporary credential is a payment token of a predetermined value, and wherein the authorization hold request includes an amount that is equal to or greater than the predetermined value.

20. The server computer of claim 17, wherein the method further comprises:

receiving an authorization request message comprising the temporary credential; and

transmitting an authorization response message comprising the temporary credential.