FLEXIBLE ELECTRONIC PAYMENT TRANSACTION PROCESS

• US 20160180313A1
• Filed: 02/26/2016
• Published: 06/23/2016
• Est. Priority Date: 12/23/2014
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Ekselius, Lukas, Pochic, Sebastien, Ates, Fikret, Maidment, Barry Alan
• Granted Patent: US 9,595,030 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• 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 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/401 Transaction verification

Abstract

A point of sale (POS) terminal is programmed to execute EMV transactions by interaction with payment devices in accordance with a standard EMV transaction flow. An EMV transaction is commenced at the POS terminal with a particular payment device. The POS terminal receives a request from the payment device to interrupt the EMV transaction. The POS terminal responds to the request by interrupting the EMV transaction and taking an action indicated by the request. The action is not required for execution of the standard EMV transaction flow.

Claims

1. A payment transaction processing method, comprising:

receiving, by a POS (point of sale) terminal, an instruction from a payment device, the instruction for instructing the POS terminal to present a prompt to a user of the payment device;

prompting the user, by the POS terminal, to enter data related to a motor vehicle associated with the user;

receiving, by the POS terminal, data input into the POS terminal in response to the prompting by the POS terminal, said data input including the data related to the motor vehicle;

performing an EMV payment transaction between the POS terminal and the payment device; and

transmitting, by the POS terminal, an authorization request to be routed to an issuer of the payment device;

wherein the authorization request includes at least some of the data input into the POS terminal by the user of the payment device.

2. The method of claim 1, wherein the data input into the POS terminal by the user and included in the authorization request includes data that identifies the motor vehicle.

3. The method of claim 1, wherein the data input into the POS terminal by the user and included in the authorization request includes data that indicates an odometer reading for the motor vehicle.

4. A payment transaction processing method comprising:

providing a POS (point of sale) terminal that is programmed to execute EMV transactions by interaction with payment devices in accordance with a standard EMV payment transaction flow;

commencing, by the POS terminal, an EMV payment transaction with one of the payment devices, said one of the payment devices having been presented to the POS terminal to initiate the EMV payment transaction;

receiving, by the POS terminal, a request from said one of the payment devices to interrupt the EMV payment transaction; and

responding to said request by;

(a) interrupting the EMV payment transaction; and

(b) taking, by the POS terminal, an action indicated by said request, said action not required for execution of the standard EMV payment transaction flow.

5. The method of claim 4, wherein said action taken by the POS terminal includes facilitating execution of a prompt.

6. The method of claim 5, wherein said execution of said prompt includes the POS terminal prompting a user to input data into the POS terminal.

7. The method of claim 5, wherein said execution of said prompt includes the POS terminal generating data responsive to said prompt.

8. The method of claim 5, wherein said execution of said prompt includes the POS terminal collecting data responsive to said prompt from a device other than said one of the payment devices.

9. The method of claim 8, wherein said device other than said one of the payment devices is installed in a motor vehicle and provides data concerning operation of said motor vehicle.

10. A payment transaction processing method, comprising:

commencing a first interaction, said first interaction between a payment device and a POS (point of sale) terminal and including a payment transaction process; and

interrupting said first interaction to perform a second interaction, said second interaction between said POS terminal and a device other than the payment device;

said second interaction being other than;

(a) transmitting an authorization request, and (b) receiving an authorization response.

11. The method of claim 10, wherein the payment device is an IC (integrated circuit) payment card.

12. The method of claim 10, wherein:

said first interaction is part of an EMV standard process flow; and

said second interaction is not part of an EMV standard process flow.

13. The method of claim 10, wherein said second interaction is between the POS terminal and a device installed in a motor vehicle.

14. The method of claim 13, wherein said device installed in the motor vehicle provides, to the POS terminal, vehicle identification information that identifies said motor vehicle.

15. The method of claim 10, wherein said second interaction is between the POS terminal and a server computer that is remote from the POS terminal.

16. The method of claim 15, wherein the server computer is operated by or on behalf of an issuer of the payment device.