Systems and methods for facilitating communication between a point of sale device and a consumer device

• US 8,688,604 B2
• Filed: 09/26/2012
• Issued: 04/01/2014
• Est. Priority Date: 09/26/2011
• Status: Expired due to Fees

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Royyuru, Vijay Kumar
• Primary Examiner(s): ZARE, SCOTT A
• Application Number:
  US13/627,665
• Publication Number:
  US 20130080273A1
• Time in Patent Office: 552 Days
• Field of Search: 705/16
• US Class Current: 706/16
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Embodiments of the disclosure can include systems and methods for facilitating communication between a point of sale device and a consumer device. In one embodiment, a computer-implemented method for communicating with a consumer device at a point of sale (POS) can be provided. The method can include establishing, by a merchant POS device, communication with the consumer device at the point of sale; collecting, by the merchant POS device, transaction-related information from a payment application associated with the consumer device; determining, by the merchant POS device, that the collected transaction-related information does not include both payment-related information and value added services (VAS) information associated with one or more VAS; and collecting, by the merchant POS device based at least in part upon the determination, second transaction-related information from a second payment application associated with the consumer device.

Claims

1. A computer-implemented method for communicating with a consumer device at a point of sale (POS), the method comprising:

establishing, by a merchant POS device, communication with the consumer device at the point of sale;

collecting, by the merchant POS device, information from a payment application installed on the consumer device, wherein the information comprises transaction-related information and a payment application identifier associated with the payment application;

determining, by the merchant POS device, that the payment application identifier is not included in a single-tap list of applications (SLA);

in response to determining the payment application identifier is not included in the SLA;

determining, by the merchant POS device, that the collected transaction-related information does not include both payment-related information and value added services (VAS) information associated with one or more VAS; and

collecting, by the merchant POS device based at least in part upon the determination, second transaction-related information from a second payment application installed on the consumer device, the second transaction-related information comprising payment-related information or VAS information.

2. The computer-implemented method of claim 1, wherein the merchant POS device comprises at least one of a merchant POS terminal or a merchant POS reader device.

3. The computer-implemented method of claim 1, wherein determining that the collected transaction-related information does not include both payment-related information and VAS information comprises:

determining, by the merchant POS device, an identifier of the payment application;

comparing, by the merchant POS device, the identifier to a list of applications that support single tap functionality; and

determining, by the merchant POS device based at least in part upon the comparison, that the collected transaction-related information does not include both payment-related information and VAS information.

4. The computer-implemented method of claim 1, further comprising:

outputting, by the merchant POS device based at least in part upon the collection of information from the second payment application, an indication of a successful read of the consumer device.

5. A system for communicating with a consumer device at a point of sale (POS), the system comprising:

at least one memory configured to store computer-executable instructions; and

at least one processor configured to access the at least one memory and execute the computer-executable instructions to;

establish communication with the consumer device at the point of sale;

collect information from a payment application installed on the consumer device, wherein the information comprises transaction-related information and a payment application identifier associated with the payment application;

determine that the payment application identifier is not included in a single-tap list of applications (SLA);

in response to the determination that the payment application identifier is not included in the SLA;

determine that the collected transaction-related information does not include both payment-related information and value added services (VAS) information associated with one or more VAS; and

collect, based at least in part upon the determination, second transaction-related information from a second payment application installed on the consumer device, the second transaction-related information comprising payment-related information or VAS information.

6. The system of claim 5, wherein the computer-executable instructions to establish communication with the consumer device at the point of sale are initiated by the merchant POS device comprising at least one of a merchant POS terminal or a merchant POS reader device.

7. The system of claim 5, wherein computer-executable instructions to determine that the collected transaction-related information does not include both payment-related information and VAS information comprise computer-executable instructions to:

determine an identifier of the payment application;

compare the identifier to a list of applications that support single tap functionality; and

determine, by the merchant POS device based at least in part upon the comparison, that the collected transaction-related information does not include both payment-related information and VAS information.

8. The system of claim 5, wherein the computer-executable instructions further comprise computer-executable instructions operable to:

output, based at least in part upon the collection of information from the second payment application, an indication of a successful read of the consumer device.

9. A method for communicating with a consumer device at a point of sale (POS), the method comprising:

establishing, by a merchant POS device comprising one or more processors, communication with the consumer device at the point of sale;

collecting, by the merchant POS device, information from a payment application installed on the consumer device, wherein the information comprises transaction-related information and a payment application identifier;

determining, by the merchant POS device, whether the payment application identifier is included in a single-tap list of applications (SLA);

in response to determining the payment application identifier is not included in the SLA;

determining, by the merchant POS device, that the collected transaction-related information does not include both payment-related information and value added services (VAS) information associated with one or more VAS; and

collecting, by the merchant POS device based at least in part upon the determination, second transaction-related information from a second payment application installed on the consumer device, the second transaction-related information comprising payment-related information or VAS information.

10. The method of claim 9, wherein some or all of the operations are executed by the merchant POS device comprising at least one of a merchant POS terminal or a merchant POS reader device.

11. The method of claim 9, wherein determining that the collected transaction-related information does not include both payment-related information and VAS information comprises:

determining, by the merchant POS device, an identifier of the payment application;

comparing, by the merchant POS device, the identifier to a list of applications that support single tap functionality; and

determining, by the merchant POS device based at least in part upon the comparison, that the collected transaction-related information does not include both payment-related information and VAS information.

12. The method of claim 9, further comprising:

outputting, by the merchant POS device based at least in part upon the collection of information from the second payment application, an indication of a successful read of the consumer device.