POINT OF SALE PAYMENT USING MOBILE DEVICE AND CHECKOUT CREDENTIALS

• US 20160321637A1
• Filed: 04/29/2016
• Published: 11/03/2016
• Est. Priority Date: 04/30/2015
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Carvalho, Kevin, Dimmick, James
• Application Number:
  US15/143,231
• Publication Number:
  US 20160321637A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 20/40 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: H04L 51/04 Real-time or near real-time messaging, e.g. instant messaging [IM]

Abstract

A method and system of enrolling in a payment service is disclosed. Payment data may be received from a payment device at a point of sale device and may be used to fill out an enrollment for a payment service.

Claims

1. A system for enrolling in a payment service comprising:

a point of sale device including instructions for execution on a point of sale device processor to receive payment data from a payment device at the point of sale device;

an enrollment server including instructions for execution on an enrollment server processor to determine if the payment device is enrolled in a payment service and determine if the payment device responsible party is enrolled in the payment service;

a pre-populating server including instructions for execution on a pre-populating server processor to, in response to a payment device and payment device responsible party being determined to not to be enrolled in a payment service, pre-populate an enrollment node in the payment service and provide a link to the enrollment node to the payment device responsible party; and

a verification server including instructions for execution on a verification server processor to, in response to the link being activated, accept verification data of the payment device.

2. The system of claim 1, wherein the enrollment server includes further instructions for execution on the enrollment server processor to, in response to the verification data being verified, enroll the payment device and payment device responsible party in the payment service.

3. The system of claim 1, wherein the payment service comprises a subsystem including a communication server, the communication server including instructions for execution on a communication server processor to accept a log in and a password, and communicate the log in and password to the verification server, the verification server including further instructions for execution on the verification server processor to verify the log in and password.

4. The system of claim 1, wherein the payment data comprises identification data representing a responsible party for the payment device and account data representing an account that is represented by the payment device, and the enrollment server instruction to determine if the payment device is enrolled in a payment service further comprises an instruction for execution on the enrollment server processor to communicate the account data to a payment service verification service.

5. The system of claim 1, wherein the pre-populating server instruction to pre-populate the enrollment node in the payment service further comprises an instruction to create an enrollment form prefilled with data from the payment data, retrieve relevant data from the issuer of the payment device through a payment network.

6. A method of enrolling in a payment service comprising:

receiving payment data from a payment device at a point of sale device;

determining if the payment device is enrolled in a payment service;

determining if the payment device responsible party is enrolled in the payment service;

in response to a payment device and payment device responsible party being determined to not to be enrolled in a payment service,

pre populating an enrollment node in the payment service;

providing a link to the enrollment node to the payment device responsible party;

in response to the link being activated, accepting verification data of the payment device;

in response to the verification data being verified, enrolling the payment device and payment device responsible party in the payment service.

7. The method of claim 6, wherein the payment service comprises a service that accepts a log in and a password, communicates the log in and password to a backend server where the log in and password are verified.

8. The method of claim 7, wherein in response to the login and password being verified, a payment account that is associated with the login and password is used for a transaction.

9. The method of claim 6, wherein the payment data comprises identification data representing a responsible party for the payment device and account data representing an account that is represented by the payment device.

10. The method of claim 9, wherein determining if the payment device is enrolled in a payment service further comprising communicating the account data to a payment service verification service.

11. The method of claim 10, wherein the account data is communicated over the payment network.

12. The method of claim 9, wherein determining if the payment device responsible party is enrolled in the payment service further comprises communicating the identification data to a payment service verification service.

13. The method of claim 12, wherein the account data is communicated over the payment network.

14. The method of claim 6, wherein pre populating the enrollment node in the payment service comprises creating an enrollment form prefilled with data from the payment data.

15. The method of claim 14, further comprising retrieving relevant data from the issuer of the payment device.

16. The method of claim 15, further comprising retrieving the relevant data through the payment network.

17. The method of claim 6, wherein enrollment node comprises an interactive form with the relevant data prefilled.

18. The method of claim 6, wherein the node is communicated by at least one of an SMS message, an email, a proprietary electronic message service, a notification in an app and a notification in a network application.

19. The method of claim 6, wherein the node is a web address.

20. The method of claim 6, wherein the node comprises a graphical user interface that is in communication with a server at the payment service.