Direct connection systems and methods

• US 8,924,297 B2
• Filed: 02/24/2012
• Issued: 12/30/2014
• Est. Priority Date: 02/25/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Kumnick, Phil, Koganti, Krishna, Wuichet, Davidson, Cato, Lloyd, Kusheba, Jeff
• Primary Examiner(s): HAMILTON, SARA CHANDLER
• Application Number:
  US13/405,140
• Publication Number:
  US 20120221468A1
• Time in Patent Office: 1,040 Days
• Field of Search: 705/14.1, 705/39, 705/44, 705/79
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/306 using TV related infrastructures external card used for payment with client device H04N21/4185
• 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 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions

Abstract

Embodiment of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.

Claims

1. A method comprising:

concurrently receiving at a payment processing server computer;

a first communication from a merchant access device over a first high-capacity communication channel adapted to directly communicate with the payment processing server computer without passing through an acquirer computer associated with the merchant access device, the first communication comprising an authorization request message for a payment transaction with a consumer that includes a transaction identifier;

a second communication from the merchant access device for the same payment transaction over a second communication channel, the second communication comprising non-payment transaction data,

processing, by the payment processing server computer, the authorization request message, wherein processing the authorization request message includes;

correlating the non-payment transaction data with the authorization request message based on the transaction identifier; and

converting the authorization request message into a first format compatible with an issuer computer, and

processing, by the payment processing server computer, the non-payment transaction data, wherein processing the non-payment transaction data includes providing at least one value added service to a communication device operated by the consumer in real time;

transmitting, by the payment processing server computer, the authorization request message to the issuer computer, wherein the issuer computer generates an authorization response message;

receiving, by the payment processing server computer, the authorization response message from the issuer computer;

matching, by the payment processing server computer, the authorization response message with the authorization request message based on the transaction identifier; and

transmitting, by the payment processing server computer, the authorization response message over the first high-capacity communication channel directly to the merchant access device from which the authorization request message was received without passing through its associated acquirer computer.

2. The method of claim 1, wherein processing the authorization request message comprises, transmitting the authorization request message to the issuer computer.

3. The method of claim 1, wherein providing the the at least one value added service comprises:

generating and transmitting a coupon to the communication device operated by the consumer.

4. The method of claim 1, wherein the first high-capacity communication channel is part of a direct exchange network.

5. The method of claim 1, wherein providing the at least one value added service comprises:

determining, by the payment processing server computer, a discount for the payment transaction based on product data contained in the non-payment transaction data; and

applying, by the payment processing server computer, the discount to the payment transaction in real-time.

6. The method of claim 5, wherein applying the discount to the payment transaction in real-time comprises:

modifying, by the payment processing server computer, a transaction amount contained in the authorization request message by an amount associated with the discount prior to transmitting the authorization request message to the issuer computer.

7. The method of claim 1, further comprising:

analyzing the transaction data in the authorization request message and the non-payment transaction data; and

determining a risk level associated with the payment transaction based on the analysis of the transaction data and the non-payment transaction data.

8. The method of claim 1, wherein processing the authorization request message further comprises:

parsing, by the payment processing server computer, the authorization request message to determine whether to route the authorization request message to the issuer computer or to a payment gateway computer.

9. The method of claim 1, further comprising:

processing, by the payment processing server computer, the authorization request message in the first format; and

processing, by the payment processing server computer, the non-payment transaction data in a second format.

10. A server computer comprising:

a processor; and

a non-transitory computer-readable storage medium, comprising code executable by the processor for implementing a method comprising;

concurrently receiving;

a first communication from a merchant access device over a first high-capacity communication channel adapted to directly communicate with the server computer without passing through an acquirer computer associated with the merchant access device, the first communication comprising an authorization request message for a payment transaction with a consumer that includes a transaction identifier;

a second communication from the merchant access device for the same payment transaction over a second communication channel, the second communication comprising non-payment transaction data,

processing, the authorization request message, wherein processing the authorization request message includes;

correlating the non-payment transaction data with the authorization request message based on the transaction identifier; and

converting the authorization request message into a first format compatible with an issuer computer, and

processing the non-payment transaction data, wherein processing the non-payment transaction data includes providing at least one value added service to a communication device operated by the consumer in real time;

transmitting the authorization request message to the issuer computer, wherein the issuer computer generates an authorization response message;

receiving the authorization response message from the issuer computer;

matching the authorization response message with the authorization request message based on the transaction identifier; and

transmitting the authorization response message over the first high-capacity communication channel directly to the merchant access device from which the authorization request message was received without passing through its associated acquirer computer.

11. The server computer of claim 10, wherein processing the authorization request message comprises transmitting the authorization request message to the issuer computer.

12. The server computer of claim 10, wherein providing the at least one value added service comprises:

generating and transmitting a coupon to the communication device operated by the consumer.

13. The server computer of claim 10, wherein the first communication and the second communication pass over the high-capacity communication channel to the server computer at different times.

14. The server computer of claim 10, wherein providing the at least one value added service comprises:

determining a discount for the payment transaction based on product data contained in the non-payment transaction data; and

applying the discount to the payment transaction in real-time.

15. The server computer of claim 14, wherein applying the discount to the payment transaction in real-time further comprises:

modifying a transaction amount contained in the authorization request message by an amount associated with the discount prior to transmitting the authorization request message to the issuer computer.

16. The server computer of claim 10, wherein the method further comprises:

analyzing the transaction data in the authorization request message and the non-payment transaction data; and

determining a risk level associated with the payment transaction based on the analysis of the transaction data and the non-payment transaction data.

17. The server computer of claim 10, wherein processing the authorization request message further comprises:

parsing the authorization request message to determine whether to route the authorization request message to the issuer computer or to a payment gateway computer.

18. The server computer of claim 10, wherein the method further comprises:

processing the authorization request message in the first format; and

processing the non-payment transaction data in a second format.