System and method utilizing device information

• US 8,589,291 B2
• Filed: 01/20/2012
• Issued: 11/19/2013
• Est. Priority Date: 06/25/2007
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Carlson, Mark, Keshan, Surendra, Faith, Patrick L.
• Primary Examiner(s): Norman, Samica L
• Application Number:
  US13/355,270
• Publication Number:
  US 20120116975A1
• Time in Patent Office: 669 Days
• Field of Search: 705/39
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• 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 20/40 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 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

A method for correlating information received directly from an access device operated by a user, and information from a merchant server is disclosed. The method includes receiving, at a server computer of a non-merchant entity, device information specifically associated with an access device directly from the access device, and also receiving, at the server computer of the non-merchant entity, transaction information from a merchant server. The server computer then correlates and collected information and can perform additional processing.

Claims

1. A method comprising:

receiving, at a server computer of a non-merchant entity, device information specifically associated with an access device directly from the access device;

receiving, at the server computer of the non-merchant entity, transaction information from a merchant server, wherein the transaction information comprises a merchant ID;

correlating, by the server computer of the non-merchant entity, the transaction information and the device information; and

performing additional processing, by the server computer of the non-merchant entity.

2. The method of claim 1 wherein the device information comprises a device ID, and wherein the device information is sent by the access device to the server computer transparently.

3. The method of claim 1 wherein the device information comprises a device ID.

4. The method of claim 1 wherein the non-merchant entity comprises a payment processing network.

5. The method of claim 1 wherein the additional processing comprises performing a risk analysis.

6. The method of claim 1 further comprising:

receiving, at the server computer of the non-merchant entity, a correlation ID with the transaction information and the device information to indicate that they are part of a same transaction.

7. The method of claim 1 wherein the non-merchant entity comprises a payment processing network configured to process credit and debit transactions.

8. A server computer of a non-merchant entity comprising a processor and a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor to implement a method comprising:

receiving device information specifically associated with an access device directly from the access device;

receiving, at the server computer of the non-merchant entity, transaction information from a merchant server, wherein the transaction information comprises a merchant ID;

correlating, by the server computer of the non-merchant entity, the transaction information and the device information; and

performing additional processing, by the server computer of the non-merchant entity.

9. The server computer of claim 8 wherein the device information comprises a device ID.

10. The server computer of claim 8 wherein the device information comprises a device ID.

11. The server computer of claim 8 wherein the non-merchant entity comprises a payment processing network.

12. The server computer of claim 8 wherein the additional processing comprises performing a risk analysis.

13. The server computer of claim 8 wherein the method further comprises, receiving a correlation ID with the transaction information and the device information to indicate that they are part of a same transaction.

14. The server computer of claim 8 wherein the non-merchant entity comprises a payment processing network configured to process credit and debit transactions.