METHODS AND SYSTEMS FOR PROVIDING PAYMENT CREDENTIALS

• US 20150363781A1
• Filed: 02/26/2014
• Published: 12/17/2015
• Est. Priority Date: 02/26/2013
• Status: Active Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Badenhorst, Cornelius Johannes
• Application Number:
  US14/762,771
• Publication Number:
  US 20150363781A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/4014 Identity check for transactions

Abstract

The invention provides systems and methods for providing payment credentials usable in a transaction. A method conducted at a token processor, the token processor receives a request for single-use payment credentials from a communication device of a consumer. In response, the token processor obtains or generates single-use payment credentials and obtains or generates a loyalty identifier which is uniquely associated with the consumer. The token processor then transmits the single-use payment credentials and the loyalty identifier to the communication device as a combined single-use payment token capable of being presented using the communication device. In some embodiments, the loyalty identifier is the same for all requests by the consumer for single-use payment credentials, such that the loyalty identifier is usable by a merchant in updating a record of the consumer.

Claims

1. A method for providing payment credentials usable in a transaction, the method being conducted at a token processor and comprising the steps of:

receiving a request for single-use payment credentials from a communication device of a consumer,

obtaining or generating single-use payment credentials;

obtaining or generating a loyalty identifier being uniquely associated with the consumer; and

transmitting the single-use payment credentials and the loyalty identifier to the communication device as a combined single-use payment token capable of being presented using the communication device.

2. The method as claimed in claim 1, wherein the loyalty identifier is the same for all requests by the consumer for single-use payment credentials, such that the loyalty identifier is usable by a merchant in updating a record of the consumer, wherein the record is a record of transactions by the consumer at the merchant, wherein the record includes details of products purchased from the merchant by the consumer.

3. The method as claimed in claim 1, wherein the loyalty identifier is the same for all requests by the consumer for single-use payment credentials usable at a specific merchant such that the loyalty identifier is usable by the specific merchant in updating a record of the consumer, wherein the record is a record of transactions by the consumer at the merchant, wherein the record includes details of products purchased from the merchant by the consumer.

5. The method as claimed in claim 1, wherein the step of obtaining or generating a loyalty identifier being uniquely associated with the consumer includes obtaining a loyalty identifier included in the request.

6. The method as claimed in claim 1, wherein the step of obtaining or generating a loyalty identifier being uniquely associated with the consumer includes the steps of:

obtaining a consumer identifier included in the request; and

using the consumer identifier to query a database and obtain a loyalty identifier associated with the consumer identifier.

7. The method as claimed in claim 1, wherein the step of transmitting the single-use payment credentials and the loyalty identifier to the communication device as a combined single-use payment token includes a step of encoding the single-use payment credentials and the loyalty identifier into one or more of the group of:

a quick response (QR) code;

an audio stream or near-sound communication audio stream;

an optical character recognition code;

a near field communication data stream;

or a visible light communication data stream.

8. The method as claimed in claim 1, wherein the method includes the step of:

obtaining coupon information corresponding to one or more coupons;

and wherein the step of transmitting the single-use payment credentials and the loyalty identifier to the communication device as a combined single-use payment token includes transmitting the single-use payment credentials, the loyalty identifier and coupon information to the communication device as a combined single-use payment token.

4. (canceled)

9. A method for providing payment credentials usable in a transaction, the method being conducted at a communication device of a consumer and comprising the steps of:

transmitting a request for single-use payment credentials;

receiving single-use payment credentials;

wherein the single-use payment credentials and a loyalty identifier are received as a combined single-use payment token capable of being presented using the communication device;

or

wherein the single-use payment credentials are received and locally combined with a loyalty identifier to form a single-use payment token;

presenting the single-use payment credentials and the loyalty identifier as a combined single-use payment token to a payment acceptance device and wherein the loyalty identifier is uniquely associated with the consumer.

10. The method as claimed in claim 9, wherein the step of transmitting a request for single-use payment credentials includes a loyalty identifier in the request.

11. The method as claimed in claim 9, wherein the step of transmitting a request for single-use payment credentials includes a consumer identifier in the request.

12. The method as claimed in claim 9, wherein the step of receiving single-use payment credentials and a loyalty identifier as a combined single-use payment token includes receiving the combined single-use payment token from a token processor.

13. The method as claimed in claim 9, wherein locally combining single-use payment credentials and a loyalty identifier as a combined single-use payment token includes:

receiving single-use payment credentials from a token processor;

obtaining a loyalty identifier being uniquely associated with the consumer, and

combining the single-use payment credentials and loyalty identifier into a combined single-use payment token.

14. The method as claimed in claim 13, wherein the step of obtaining a loyalty identifier being uniquely associated with the consumer obtains the loyalty identifier from a digital memory of the communication device.

15. A method for providing payment credentials usable in a transaction, the method being conducted at a payment acceptance device of a merchant and comprising the steps of:

receiving single-use payment credentials and a loyalty identifier as a single-use payment token being presented by a communication device of a consumer, wherein the loyalty identifier is uniquely associated with the consumer;

extracting the loyalty identifier from the single-use payment token; and

updating a record of the consumer associated with the loyalty identifier.

16. The method as claimed in claim 15, wherein the method includes the step of transmitting the single-use payment token to a payment processing server for transaction processing.

17. The method as claimed in claim 15, wherein the method includes the step of extracting single-use payment credentials from the single-use payment token and transmitting the single-use payment credentials to a payment processing server for transaction processing.

18. The method as claimed in claim 15, wherein the record is a record of transactions by the consumer associated with the loyalty identifier at the merchant, and wherein the record includes details of products purchased from the merchant by the consumer.

19. A system for providing payment credentials usable in a transaction, the system including a token processor comprising:

a request receiving component for receiving a request for single-use payment credentials from a communication device of a consumer;

a payment credential component for obtaining or generating single-use payment credentials;

a loyalty component for obtaining or generating a loyalty identifier being uniquely associated with the consumer; and

a transmitting component for transmitting the single-use payment credentials and the loyalty identifier to the communication device as a combined single-use payment token capable of being presented using the communication device.

20. The system as claimed in claim 19, wherein the loyalty identifier is a unique number which is the same for all requests by the consumer for single-use payment credentials, such that the loyalty identifier is usable by a merchant in updating a record of the consumer.

21. The system as claimed in claim 19, wherein the loyalty identifier is a unique number which is the same for all requests by the consumer for single-use payment credentials usable at a specific merchant such that the loyalty identifier is usable by the specific merchant in updating a record of the consumer.

22. The system as claimed in claim 19, wherein the system includes a plurality of communication devices, each communication device having:

a request transmitting component for transmitting a request for single-use payment credentials;

a receiving component for receiving the single-use payment credentials and the loyalty identifier as a combined single-use payment token capable of being presented using the communication device; and

a token presentation component for presenting the single-use payment token to a payment acceptance device.

23. The system as claimed in claim 22, wherein the request transmitting component is configured to include a loyalty identifier in the request.

24. The system as claimed in claim 22, wherein the request transmitting component is configured to include a consumer identifier in the request.

25. The system as claimed in claim 23, wherein the loyalty component is configured to obtain a loyalty identifier included in the request.

26. The system as claimed in claim 24, wherein the loyalty component is configured to obtain a loyalty identifier by obtaining a consumer identifier included in the request and using the consumer identifier to query a database and obtain a loyalty identifier associated with the consumer identifier.

27. The system as claimed in claim 19, wherein the system includes a plurality of payment acceptance devices of merchants, each acceptance device having:

a receiving component for receiving a single-use payment token being presented by a communication device;

an identifier extraction component for extracting a loyalty identifier from the single-use payment token; and

an updating component for updating a record associated with the loyalty identifier.

28. The system as claimed in claim 27, wherein each payment acceptance device further includes a transmitting component for transmitting the single-use payment token to a payment processing server for transaction processing.

29. The system as claimed in claim 27, wherein each payment acceptance device includes a payment credential extracting component for extracting single-use payment credentials from the single-use payment token and for transmitting the single-use payment credentials to a payment processing server for transaction processing.

30. A computer program product for providing payment credentials usable in a transaction, the computer program product comprising a computer-readable medium having stored computer-readable program code for performing the steps of:

receiving a request for single-use payment credentials from a communication device of a consumer;

obtaining or generating single-use payment credentials;

obtaining or generating a loyalty identifier being uniquely associated with the consumer;

transmitting the single-use payment credentials and the loyalty identifier to the communication device as a combined single-use payment token capable of being presented using the communication device.