DISAGGREGATED HARDWARE PLATFORMS FOR JOINT TRANSACTION PROCESSING

• US 20190333067A1
• Filed: 04/27/2018
• Published: 10/31/2019
• Est. Priority Date: 04/27/2018
• Status: Abandoned Application

• Current Assignee: NCR Corporation (NCR Voyix Corporation)
• Original Assignee: NCR Corporation (NCR Voyix Corporation)
• Inventors: Monaghan, Andrew David, Angus, Robin Ian Gregor
• Application Number:
  US15/964,231
• Publication Number:
  US 20190333067A1
• Time in Patent Office: Days
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/3829 involving key management
• 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 20/4012 Verifying personal identification numbers [PIN]

Abstract

Various embodiments each include at least one of systems, terminals, methods, and software for disaggregated hardware platforms for joint transaction processing and fulfillment. Such embodiments enrich the transaction authorization process to capture and encrypt the authentication details at one device to transport the encrypted data to another device for fulfilment. One embodiment includes storing transaction data, received from a first terminal via a network, including a customer identifier, personal identifying data encrypted with an encryption key of the first terminal, a terminal identifier of the first terminal, and data defining at least one transaction activity input at the first terminal. The method further includes transmitting the stored transaction data to a second terminal in response to a received request therefrom. The second terminal may then submit a portion of the transaction and additional data to an authorization process to obtain approval for fulfillment of the transaction by the second terminal.

Claims

1. A method comprising:

storing transaction data received from a first terminal via a network, the transaction data including a customer identifier, personal identifying data encrypted with an encryption key of the first terminal, a terminal identifier of the first terminal, and data defining at least one transaction activity input at the first terminal;

transmitting the stored transaction data to a second terminal in response to a received request from the second terminal, the second terminal to submit, over the network, at least a portion of the transaction data and additional data to a transaction authorization process to obtain approval or denial for fulfillment of a transaction in accordance therewith by the second terminal.

2. The method of claim 1, wherein the data defining the at least one transaction activity includes, for each transaction activity, a transaction type and a transaction amount.

3. The method of claim 1, wherein the received transaction data is a transaction authorization request.

4. The method of claim 1, wherein the portion of the transaction data transmitted to the transaction authorization process includes the encrypted personal identifying data and the terminal identifier of the first terminal to identify the first terminal to the authorization process to select an appropriate decryption key to decrypt the encrypted personal identifying data.

5. The method of claim 1, wherein the personal identifying data is a Personal Identification Number (PIN).

6. The method of claim 1, wherein the additional data submitted by the second terminal to the transaction authorization process incudes a terminal identifier of the second terminal.

7. The method of claim 1, wherein the customer identifier is at least one data item associated with an account holder of an account against which the transaction is to be performed.

8. The method of claim 7, wherein the data item of the customer identifier is one of data read from a card by a card reading device of the first terminal and a data item received wirelessly by a wireless communication device of the first terminal.

9. A method comprising:

receiving customer identifying and authentication input at a transaction fulfillment terminal;

retrieving, via a network, transaction data based on at least the customer identifying input from a transaction staging service, the transaction data including a customer identifier, personal identifying data encrypted with an encryption key of a terminal utilized to stage the transaction data, a terminal identifier of the terminal utilized to stage the transaction data, and data defining at least one transaction activity to be performed;

submitting a transaction request based on the retrieved transaction data from the transaction fulfillment terminal via the network to a transaction processor;

receiving, by the transaction fulfillment terminal, transaction fulfillment data including a command to perform the at least one transaction activity in response to the submitted transaction fulfillment request; and

performing the at least one transaction activity by the transaction fulfillment terminal according to the transaction fulfillment data.

10. The method of claim 9, wherein a terminal identifier of the fulfillment terminal is included when submitting the transaction request to the transaction processor.

11. The method of claim 9, wherein the transaction staging service receives transaction data from the terminal utilized to stage the transaction data, the method with regard to the transaction staging service further comprising:

storing transaction data received from the terminal utilized to stage the transaction data via the network, the received transaction data including the customer identifier, the personal identifying data encrypted with the encryption key of the terminal utilized to stage the transaction data, the terminal identifier of the terminal utilized to stage the transaction data, and data defining the at least one transaction activity input at the first terminal.

12. The method of claim 11, wherein the personal identifying data is a Personal Identification Number (PIN).

13. The method of claim 9, wherein the data defining the at least one transaction activity includes, for each transaction activity, a transaction type and a transaction amount.

14. The method of claim 9, wherein the command to perform at least one transaction activity includes a command to dispense an amount of currency.

15. The method of claim 9, wherein the customer identifying input is at least one data item associated with an account holder of an account against which the transaction is to be performed.

16. The method of claim 15, wherein the data item of the customer identifying input is one of data read from a card by a card reading device of the first terminal and a data item received wirelessly by a wireless communication device of the first terminal.

17. A system comprising:

a network interface device;

a computer processor;

a memory device storing instructions executable by the processor to perform data processing activities comprising;

storing, on the memory device, transaction data from a first terminal via the network interface device, the transaction data including a customer identifier, personal identifying data encrypted with an encryption key of the first terminal, a terminal identifier of the first terminal, and data defining at least one transaction activity input at the first terminal;

transmitting the stored transaction data via the network interface device to a second terminal in response to a received request from the second terminal, the second terminal to submit, over a network, at least a portion of the transaction data and additional data to a transaction authorization process to obtain approval or denial for fulfillment of a transaction in accordance therewith by the second terminal.

18. The system of claim 17, wherein the data defining the at least one transaction activity includes, for each transaction activity, a transaction type and a transaction amount.

19. The system of claim 17, wherein the received transaction data is a transaction authorization request.

20. The system of claim 17, wherein the portion of the transaction data transmitted to the transaction authorization process includes the encrypted personal identifying data and the terminal identifier of the first terminal to identify the first terminal to the authorization process to select an appropriate decryption key to decrypt the encrypted personal identifying data.