TRANSACTION SYSTEM

• US 20170091766A1
• Filed: 09/26/2016
• Published: 03/30/2017
• Est. Priority Date: 09/28/2015
• Status: Abandoned Application

• Current Assignee: Mastercard Asia/Pacific Pte. Ltd (MasterCard Incorporated)
• Original Assignee: Mastercard Asia/Pacific Pte. Ltd (MasterCard Incorporated)
• Inventors: Ong, Benjamin, Venugopalan, Vijin, Gilbey, Benjamin Charles
• Application Number:
  US15/275,829
• Publication Number:
  US 20170091766A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 10/083 Shipping
• CPC Class Codes: G06Q 20/308 using the Internet of Things
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05

Abstract

A transaction system for performing a transaction relating to delivery of goods to a user by a delivery vehicle, the transaction system including at least one electronic payment processing device that receives a user payment request from a client device of the user, the user payment request being indicative of delivery parameters received by the client device from a delivery vehicle processing device, the delivery parameters being indicative of the respective delivery; and an account indication indicative of a user account associated with the user. The processing device determines a payment token associated with the user account and at least one of the delivery parameters, provides the payment token to the client device, the client device providing the payment token to a merchant processing device via the delivery vehicle processing device, receives the payment token from the merchant processing device and, uses the payment token to selectively authorise the transaction, so that the goods are selectively provided to the user depending on the outcome of the authorisation.

Claims

1. ) A transaction system for performing a transaction relating to delivery of goods to a user by a delivery vehicle, the transaction system including at least one electronic payment processing device that:

a) receives a user payment request from a client device of the user, the user payment request being indicative of;

i) delivery parameters received by the client device from a delivery vehicle processing device, the delivery parameters being indicative of the respective delivery; and

,

ii) an account indication indicative of a user account associated with the user;

b) determines a payment token associated with the user account and at least one of the delivery parameters;

c) provides the payment token to the client device, the client device providing the payment token to a merchant processing device via the delivery vehicle processing device;

d) receives the payment token from the merchant processing device; and

,

e) uses the payment token to selectively authorise the transaction, so that the goods are selectively provided to the user depending on the outcome of the authorisation.

2. ) A transaction system according to claim 1, wherein the at least one electronic payment processing device provides a payment authorisation response to the merchant processing device, the merchant processing device using the payment authorisation response to cause the delivery vehicle to selectively provide the goods to the user depending on the outcome of the authorisation.

3. ) A transaction system according to claim 1, wherein the at least one electronic payment processing device:

a) receives a merchant payment request including;

i) at least one delivery parameter; and

,

ii) the payment token;

b) compares the at least one delivery parameter of the merchant payment request to a corresponding delivery parameter of the user payment request; and

,

c) selectively authorises the transaction based on results of the comparison.

4. ) A transaction system according to claim 1, wherein the at least one electronic payment processing device authorises the transaction by:

a) determining the user account using the payment token; and

,

b) causing the user account to be debited in accordance with the payment amount.

5. ) A transaction system according to claim 1, wherein the at least one electronic payment processing device sends an authorisation request to an issuer, the authorisation request including an indication of the user account and the payment amount, thereby causing the issuer to debit the user account by the payment amount.

6. ) A transaction system according to claim 1, wherein the at least one electronic payment processing device receives the payment token from the merchant processing device via at least one of:

a) a payment gateway processing device; and

,

b) an acquirer processing device.

7. ) A transaction system according to claim 1, wherein the at least one electronic payment processing device:

a) retrieves a previously stored unique payment token;

b) generates a new unique payment token;

c) associates the payment token with the user account and the at least one delivery parameter; and

,

d) generates a payment token based on the user account and the at least one delivery parameter.

8. ) A transaction system according to claim 1, wherein the client device executes a merchant application and a payment application, and wherein:

a) the merchant application;

i) receives the delivery parameters; and

,

ii) provides the delivery parameters to the payment application; and

,

b) the payment application;

i) generates the user payment request;

ii) provides the user payment request to the at least one payment processing system;

iii) receives the payment token; and

,

iv) provides the payment token to the delivery vehicle processing device.

9. ) A transaction system according to claim 1, wherein the client device:

a) receives the delivery parameters from the delivery device using a first wireless communications protocol; and

,

b) provides the payment token to the delivery device using a second wireless communications protocol.

10. ) A transaction system according to claim 9, wherein the first wireless communications protocol includes Bluetooth™

Low Energy (BLE) protocol.

11. ) A transaction system according to claim 1, wherein the second wireless communications protocol includes Near Field Communication (NFC) protocol.

12. ) A transaction system according to claim 1, wherein the at least one payment processing device is part of a host card emulation system.

13. ) A transaction system according to claim 1, wherein the delivery parameters include at least one of:

a) a delivery vehicle identifier associated with the delivery vehicle;

b) a merchant identifier associated with the merchant;

c) a payment amount;

d) a delivery destination;

e) a delivery time; and

,

f) a recipient indication indicative of at least one of the user and the client device of the user.

23. ) A transaction system according to claim 1, wherein the delivery vehicle is an at least partially autonomous unmanned aerial vehicle.

14. ) A method for performing a transaction relating to delivery of goods to a user by a delivery vehicle, the method including:

a) receiving a user payment request from a client device of the user, the user payment request being indicative of;

i) delivery parameters received by the client device from a delivery vehicle processing device, the delivery parameters being indicative of the respective delivery; and

,

ii) an account indication indicative of a user account associated with the user;

b) determining a payment token associated with the user account and at least one of the delivery parameters;

c) providing the payment token to the client device, the client device providing the payment token to a merchant processing device via the delivery vehicle processing device;

d) receiving the payment token from the merchant processing device; and

,

e) using the payment token to selectively authorise the transaction, so that the goods are selectively provided to the user depending on the outcome of the authorisation.

15. ) A transaction system for performing a transaction relating to delivery of goods to a user by a delivery vehicle, the transaction system including a delivery vehicle processing device of the delivery vehicle that:

a) provides delivery parameters to a client device, the delivery parameters being indicative of the respective delivery;

b) receives a payment token from the client device, wherein the client device obtains the payment token from at least one payment processing device using the delivery parameters and an account indication indicative of a user account associated with the user, the payment token being associated with the user account and at least one of the delivery parameters;

c) provides the payment token to a merchant processing device, the merchant processing device obtaining a payment authorisation response from the at least one payment processing device using the payment token;

d) receives a delivery notification from the merchant processing device in response to the payment authorisation response; and

,

e) controls the delivery vehicle in accordance with the delivery notification to selectively provide the goods to the user depending on the outcome of the authorisation.

16. ) A transaction system according to claim 15, wherein the delivery vehicle processing device:

a) provides the delivery parameters from the delivery device using a first wireless communications protocol; and

,

b) receives the payment token to the delivery device using a second wireless communications protocol.

17. ) A transaction system according to claim 16, wherein the first wireless communications protocol includes Bluetooth™

Low Energy (BLE) protocol.

18. ) A transaction system according to claim 16, wherein the second wireless communications protocol includes Near Field Communication (NFC) protocol.

19. ) A transaction system according to claim 15, wherein the delivery vehicle processing device receives the payment token from the client device based on a proximity of the delivery device and the client device.

20. ) A transaction system according to claim 15, wherein the delivery vehicle processing device provides the delivery parameters to the client device based on a proximity of the delivery device and the client device.

21. ) A transaction system according to claim 15, wherein the delivery vehicle processing device communicates with a merchant application executed by the client device to determine if the user is an intended recipient.

22. ) A transaction system according to claim 15, wherein the delivery vehicle processing device receives at least some delivery parameters from the merchant processing device, including:

a) a payment amount;

b) a delivery destination; and

,

c) a recipient indication indicative of at least one of the user and the client device of the user.

24. ) A transaction system for performing a transaction relating to delivery of goods to a user by a delivery vehicle, the transaction system including a client device that:

a) receives delivery parameters from a delivery vehicle processing device of the delivery vehicle, the delivery parameters being indicative of the respective delivery;

b) provides a user payment request to at least one payment processing device, the user payment request being indicative of;

i) the delivery parameters; and

,

ii) an account indication indicative of a user account associated with the user;

c) receives a payment token from the at least one payment processing device, the payment token being associated with the user account and at least one of the delivery parameters; and

,

d) transfers the payment token to the delivery vehicle processing device, the delivery vehicle processing device transferring the payment token to a merchant processing device, the merchant processing device using the payment token to obtain a payment authorisation response from the at least one payment processing device and cause the delivery vehicle to selectively provide the goods depending on the outcome of the authorisation.

25. ) A transaction system according to claim 24, wherein the client device executes a merchant application and a payment application, and wherein:

a) the merchant application;

i) receives the delivery parameters; and

,

ii) provides the delivery parameters to the payment application; and

,

b) the payment application;

i) generates the user payment request;

ii) provides the user payment request to the at least one payment processing system;

iii) receives the payment token; and

,

iv) provides the payment token to the delivery vehicle processing device.

26. ) A transaction system for performing a transaction relating to delivery of goods to a user by a delivery vehicle, the transaction system including:

a) a merchant processing device;

b) at least one payment processing device;

c) a delivery vehicle including a delivery vehicle processing device; and

,

d) a client device of the user, wherein in use;

i) the delivery vehicle processing device provides delivery parameters to the client device, the delivery parameters being indicative of the respective delivery;

ii) the client device provides a user payment request to the at least one payment processing device, the user payment request being indicative of;

(1) the delivery parameters; and

,

(2) an account indication indicative of a user account associated with the user;

iii) the at least one payment processing device;

(1) determines a payment token associated with the user account and at least one of the delivery parameters;

(2) provides the payment token to the client device;

iv) the client device provides the payment token to the delivery vehicle processing device;

v) the delivery vehicle processing device provides the payment token to the merchant processing device;

vi) the merchant processing device provides the payment token to the at least one payment processing device;

vii) the at least one payment processing device;

(1) uses the payment token to selectively authorise the transaction; and

,

(2) provides a payment authorisation response to the merchant processing device;

viii) the merchant processing device uses the payment authorisation response to provide a delivery notification to the delivery vehicle processing device; and

,

ix) the delivery vehicle processing device controls the delivery vehicle in accordance with the delivery notification to selectively provide the goods to the user depending on the outcome of the authorisation.