METHOD AND SYSTEM FOR PRE-AUTHORIZING A DELIVERY TRANSACTION

• US 20190318355A1
• Filed: 04/16/2018
• Published: 10/17/2019
• Est. Priority Date: 04/16/2018
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: CHOPRA, Akshay, Lamantia, Marco Peter
• Granted Patent: US 11,854,007 B2
• Time in Patent Office: Days
• CPC Class Codes: G06K 7/1417 2D bar codes
• CPC Class Codes: G06Q 10/083 Shipping
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• 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: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules

Abstract

A method for pre-authorizing a delivery transaction is disclosed. A transaction value can be pre-authorized such that resources can be delivered. After the resources are delivered, a user can determine whether to continue with processing the transaction.

Claims

1. A method comprising:

receiving, by a resource provider computer, from a user device, a request to pre-authorize a transaction for one or more resources;

transmitting, by the resource provider computer, to an authorizing entity computer, a pre-authorization request message for the transaction, the pre-authorization request message indicating a value for the transaction, and the authorizing entity computer thereafter pre-authorizing the transaction and holding the value;

receiving, by the resource provider computer, a pre-authorization response message from the authorizing entity computer indicating that the transaction is pre-authorized;

transmitting, by the resource provider computer, an instruction to deliver the one or more resources;

receiving, by the resource provider computer, a message indicating that the one or more resources were delivered; and

transmitting, by the resource provider computer, to the authorizing entity computer or a processing network computer, a subsequent message to process the transaction for the value or for less than the value.

2. The method of claim 1, further comprising:

transmitting, by the resource provider computer, to the user device, an acceptance request message prompting the user device to indicate that the delivered one or more resources are accepted; and

receiving, by the resource provider computer, from the user device, an acceptance response indicating that at least one of the delivered one or more resources are accepted.

3. The method of claim 1, wherein the subsequent message is an authorization request message or a capture request message.

4. The method of claim 1, wherein the subsequent message is an authorization request message, and wherein the method further comprises:

receiving, by the resource provider computer, an authorization response message from the authorizing entity computer indicating that the transaction is authorized.

5. The method of claim 1, wherein the transaction is for a plurality of resources, wherein the acceptance response message indicates that at least one of the plurality or resources are not accepted, and wherein the subsequent message is to process the transaction for less than the value in response to the at least one of the plurality or resources being not accepted.

6. The method of claim 1, wherein the received message indicating that the one or more resources were delivered was sent in response to scanning a QR code.

7. The method of claim 1, wherein the pre-authorization request message includes a transaction identifier, and wherein the subsequent message includes the transaction identifier.

8. A resource provider computer comprising:

a processor; and

a computer readable medium, the computer readable medium comprising code, executable by the processor, for implementing a method comprising;

receiving, from a user device, a request to pre-authorize a transaction for one or more resources;

transmitting, to an authorizing entity computer, a pre-authorization request message for the transaction, the pre-authorization request message indicating a value for the transaction, and the authorizing entity computer thereafter pre-authorizing the transaction and holding the value;

receiving a pre-authorization response message from the authorizing entity computer indicating that the transaction is pre-authorized;

transmitting an instruction to deliver the one or more resources;

receiving a message indicating that the one or more resources were delivered; and

transmitting, to the authorizing entity computer or a processing network computer, a subsequent message to process the transaction for the value or for less than the value.

9. The resource provider computer of claim 8, the method further comprising:

transmitting, to the user device, an acceptance request message prompting the user device to indicate that the delivered one or more resources are accepted; and

receiving, from the user device, an acceptance response indicating that at least one of the delivered one or more resources are accepted.

10. The resource provider computer of claim 8, wherein the subsequent message is an authorization request message or a capture request message.

11. The resource provider computer of claim 8, wherein the subsequent message is an authorization request message, and wherein the method further comprises:

receiving an authorization response message from the authorizing entity computer indicating that the transaction is authorized.

12. The resource provider computer of claim 8, wherein the transaction is for a plurality of resources, wherein the acceptance response message indicates that at least one of the plurality or resources are not accepted, and wherein the subsequent message is to process the transaction for less than the value in response to the at least one of the plurality or resources being not accepted.

13. The resource provider computer of claim 8, wherein the acceptance request message is an SMS or an in-application push notification.

14. The resource provider computer of claim 8, further comprising:

transmitting an instruction to prepare a package including the one or more resources for delivery.

15. A method comprising:

receiving, by a user device, from a user, a selection of one or more resources to be delivered to the user for a transaction;

receiving, by the user device, from the user, an indication to pre-authorize the transaction;

sending, by the user device, a request to pre-authorize the transaction for the one or more resources to a resource provider computer, the resource provider computer thereafter initiating a pre-authorization request message with a value for the transaction to an authorizing entity computer, which pre-authorizes the transaction and holds the value, and transmits a pre-authorization response message back to the resource provider computer;

receiving, by the user device, an acceptance request message prompting the user device to indicate that the one or more resources were delivered and are accepted;

displaying, by the user device, to the user, a prompt to indicate whether the delivered one or more resources are accepted;

receiving, by a user device, from the user, an indication that at least one of the delivered one or more resources are accepted; and

sending, by the user device, an acceptance response message indicating that at least one of the delivered one or more resources are accepted, the resource provider computer thereafter transmitting a subsequent message to the authorizing entity computer or a processing network computer to process the transaction for the value or for less than the value.

16. The method of claim 15, wherein the subsequent message is an authorization request message or a capture request message.

17. The method of claim 15, wherein the transaction is for a plurality of resources, wherein the acceptance response message indicates that at least one of the plurality or resources are not accepted, and wherein the subsequent message is to process the transaction for less than the value in response to the at least one of the plurality or resources being not accepted.

18. The method of claim 15, wherein the resource provider computer transmits an instruction to deliver the one or more resources to a delivery service computer, and wherein the delivery service computer sends a message to the resource provider computer indicating that the one or more resources were delivered in response to scanning a QR code.

19. The method of claim 15, wherein the acceptance request message is an SMS or an in-application push notification.

20. The method of claim 15, wherein the acceptance request message is received from the resource provider computer, and wherein the user device sends the acceptance response message to the resource provider computer.