Recurrent billing maintenance with radio frequency payment devices
First Claim
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1. A method comprising:
- receiving, at a radio frequency identification (RFID) reader, a recurring billing transaction request from a radio frequency (RF) transaction device, wherein the recurring billing transaction request comprises an encrypted RF transaction device identifier and a recurring billing amount;
decrypting, at the RFID reader, the encrypted RF transaction device identifier to produce an RF transaction device identifier;
converting, at the RFID reader, the RF transaction device identifier into a magnetic stripe formatted identifier;
transmitting the magnetic stripe formatted identifier from the RFID reader via a point of sale (POS) device to a merchant server that includes a processor;
requesting, by the RFID reader, a secondary verification in response to a transaction restriction associated with the RF transaction device identifier;
receiving, at the RFID reader, the secondary verification; and
indicating, at the RFID reader, approval of the recurring billing transaction request in response to the receiving the secondary verification, wherein the recurring billing amount is added to the total recurring billing amount in response to the merchant server approving the recurring billing transaction request, to create an updated total recurring billing amount, and wherein the updated total recurring billing amount is submitted via a network interface to a provider system for payment processing.
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Abstract
An RF recurrent billing system in which an account number associated with a recurrent billing account is stored within an RF transaction device. The user of the RF transaction device may present the device for completing a transaction, and the transaction, if successfully completed, is billed to the user'"'"'s recurrent billing account. The user is billed for the transaction during a billing cycle, typically occurring on a regular basis according to the recurrent billing account.
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Citations
26 Claims
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1. A method comprising:
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receiving, at a radio frequency identification (RFID) reader, a recurring billing transaction request from a radio frequency (RF) transaction device, wherein the recurring billing transaction request comprises an encrypted RF transaction device identifier and a recurring billing amount; decrypting, at the RFID reader, the encrypted RF transaction device identifier to produce an RF transaction device identifier; converting, at the RFID reader, the RF transaction device identifier into a magnetic stripe formatted identifier; transmitting the magnetic stripe formatted identifier from the RFID reader via a point of sale (POS) device to a merchant server that includes a processor; requesting, by the RFID reader, a secondary verification in response to a transaction restriction associated with the RF transaction device identifier; receiving, at the RFID reader, the secondary verification; and indicating, at the RFID reader, approval of the recurring billing transaction request in response to the receiving the secondary verification, wherein the recurring billing amount is added to the total recurring billing amount in response to the merchant server approving the recurring billing transaction request, to create an updated total recurring billing amount, and wherein the updated total recurring billing amount is submitted via a network interface to a provider system for payment processing. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A method comprising:
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receiving, at a network interface of a merchant server that includes a processor, a recurring billing transaction request associated with a radio frequency (RF) transaction device from a radio frequency identification (RFID) reader, wherein the recurring billing transaction request comprises a recurring billing amount; receiving, at the merchant server, a magnetic stripe formatted identifier from a point of sale (POS) device, wherein the magnetic stripe formatted identifier is converted by the RFID reader from a decrypted RF transaction device identifier; approving, at the merchant server, the recurring billing transaction request in response to a secondary verification, wherein the RFID reader receives the secondary verification in response to a transaction restriction associated with the RF transaction device identifier; adding, at the merchant server, the recurring billing amount to the total recurring billing amount in response to the approving the recurring billing transaction request, to create an updated total recurring billing amount; and submitting the updated total recurring billing amount from the merchant server to a provider system for payment processing. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24)
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25. A merchant server that includes a processor, the merchant server configured to:
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receive, at a network interface of the merchant server, a recurring billing transaction request associated with a radio frequency (RF) transaction device from a radio frequency identification (RFID) reader, wherein the recurring billing transaction request comprises a recurring billing amount; receive, at the merchant server, a magnetic stripe formatted identifier from a point of sale (POS) device, wherein the magnetic stripe formatted identifier is converted by the RFID reader from a decrypted RF transaction device identifier; approve, at the merchant server, the recurring billing transaction request in response to a secondary verification, wherein the RFID reader receives the secondary verification in response to a transaction restriction associated with the RF transaction device identifier; add, at the merchant server, the recurring billing amount to the total recurring billing amount in response to the merchant server approving the recurring billing transaction request, to create an updated total recurring billing amount; and submit the updated total recurring billing amount from the merchant server to a provider system for payment processing.
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26. A merchant system, comprising:
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a server comprising a processor and a database configured to store a recurring billing account record, wherein the server is configured to submit an updated total recurring billing amount associated with the recurring billing account record to a provider system for payment processing; a radio frequency identification (RFID) reader configured to receive a recurring billing transaction request from an RF transaction device, wherein the recurring billing transaction request comprises an encrypted RF transaction device identifier and a recurring billing amount, wherein the RFID reader is configured to decrypt the encrypted RF transaction device identifier to produce an RF transaction device identifier, wherein the RFID reader is further configured to convert the RF transaction device identifier into a magnetic stripe formatted identifier and to transmit the magnetic stripe formatted identifier to a point of sale (POS) device; and a point of sale (POS) device configured to communicate with the server, wherein the POS device is configured to receive the magnetic stripe formatted identifier from the RFID reader, wherein the POS device is configured to receive a secondary verification in response to a transaction restriction associated with a radio frequency (RF) transaction device identifier, wherein the POS device is configured to transmit the magnetic stripe formatted identifier to the server, and wherein the recurring billing amount is added to a total recurring billing amount in response to an approval of the recurring billing transaction request and the secondary verification, to create the updated total recurring billing amount.
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Specification