Recordation of electronic payment transaction information

• US 8,977,567 B2
• Filed: 09/21/2009
• Issued: 03/10/2015
• Est. Priority Date: 09/22/2008
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Aabye, Christian, Ngo, Hao, Wilson, David William, Mangiagalli, Guido
• Primary Examiner(s): AMELUNXEN, BARBARA J
• Application Number:
  US12/563,430
• Publication Number:
  US 20100211498A1
• Time in Patent Office: 1,996 Days
• Field of Search: 705/14.73, 705/17, 705/26.8, 705/30, 705/31, 705/34, 705/39, 705/43, 705/44, 705/64, 705/67, 705/79, 705/41, 235/375, 235/380, 235/382, 235/379, 463/42, 455/414.1
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• 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 40/12 Accounting

Abstract

A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. An account holder is enabled to generate transaction related data and append that data to a transaction record or transaction identifier. The appended data and transaction record or identifier may be stored in the mobile payment device and/or provided to an Issuer. If provided to an Issuer, the transaction related data generated by the account holder may be used to supplement an account statement. The additional information generated by the account holder may be used to assist the account holder in determining if a transaction is valid by providing information that helps the account holder to recall the location or other aspect of the transaction.

Claims

1. A mobile device for use in conducting a payment transaction, comprising:

a processor;

a memory; and

a set of instructions stored in the memory, which when executed with the processor implement a method to, at least;

conduct the payment transaction at a physical location using the mobile device and a point of sale terminal including communicating from the mobile phone to the point of sale terminal and thereby causing generation of a transaction record comprising a transaction identifier at the point of sale terminal;

receive an input based at least in part on an activation of a camera function of the mobile device at the physical location and time of the payment transaction to generate additional payment transaction related information independent of the point of sale terminal, wherein the additional payment transaction related information;

(i) is additional with respect to the transaction record, (ii) comprises visual information with respect to at least one aspect of the physical location obtained at least in part by the camera function of the mobile device and (iii) has at least one characteristic that assists the user to recollect the circumstances of the transaction; and

provide, from the mobile phone, the transaction identifier and the additional payment transaction related information to an entity responsible for processing payment transaction data through a wireless phone network such that the entity responsible for processing payment transaction data associates the additional payment transaction related information with the independently obtained transaction record based at least in part on the transaction identifier.

2. The mobile device of claim 1, wherein the mobile device is a mobile wireless phone.

3. The mobile device of claim 1, wherein the set of instructions further comprise instructions, which when executed implement a method to receive an input from a user indicating that the user desires to generate additional payment transaction related information for the payment transaction.

4. The mobile device of claim 1, wherein the device further comprises:

an interface configured to enable data transfer using a near field communications mechanism, and further, wherein the set of instructions further comprise instructions, which when executed implement a method at least to conduct the payment transaction in response to communication with a terminal using the near field communications mechanism.

5. The mobile device of claim 4, wherein the interface configured to enable data transfer using a near field communications mechanism is a contactless element.

6. The mobile device of claim 1, wherein the additional payment transaction related information is provided to an entity responsible for processing payment transaction data using a wireless network.

7. The mobile device of claim 1, wherein the additional payment transaction related information is provided to an entity responsible for processing payment transaction data using a near field communications mechanism.

8. The mobile device of claim 1, wherein the additional payment transaction related information assists the user to recollect the location of the transaction.

9. A method of performing a payment transaction, comprising:

conducting the payment transaction at a physical location using a payment device and a point of sale terminal including communicating from the payment device to the point of sale terminal and thereby causing generation of a transaction record comprising a transaction identifier at the point of sale terminal, wherein the payment device includes a contactless element and is contained in a mobile phone;

generating, at the physical location and time of the payment transaction, additional payment transaction related information using a camera function of the mobile phone and independently of the point of sale terminal, wherein the additional payment transaction related information;

(i) is additional with respect to the transaction record, (ii) comprises visual information with respect to at least one aspect of the physical location obtained at least in part by the camera function of the mobile phone and (iii) has at least one characteristic that assists the user to recollect the circumstances of the transaction; and

providing, from the mobile phone, the transaction identifier and the additional payment transaction related information to an entity responsible for processing payment transaction data through a wireless phone network such that the entity responsible for processing payment transaction data associates the additional payment transaction related information with the independently obtained transaction record based at least in part on the transaction identifier.

10. The method of claim 9, further comprising:

receiving, at the entity responsible for processing payment transaction data, the transaction record from the point of sale terminal through a communications network distinct from the wireless phone network;

receiving, from the mobile phone, the transaction identifier and the additional payment transaction related information at the entity responsible for processing payment transaction data;

associating the additional payment transaction related information with the transaction record based at least in part on the transaction identifier; and

presenting the additional payment transaction related information to a user of the payment device as part of an account statement for the transaction.

11. The method of claim 10, wherein the additional payment transaction related information is presented to the user as a link to a web-site from which the data may be accessed.

12. The method of claim 9, wherein the additional payment transaction related information is a photograph.

13. The method of claim 9, wherein the additional payment transaction related information assists the user to recollect the location of the transaction.

14. The method of claim 9, wherein the transaction record further comprises an account holder'"'"'s payment account number, a currency code, a sale amount, and a merchant transaction stamp.

15. The method of claim 9, wherein the additional payment transaction related information is generated for later viewing by the user of the mobile phone.

16. The method of claim 9, wherein the additional payment transaction related information assists the user to recollect the circumstances of the transaction at least in part by including the visual information with respect to at least one aspect of the physical location obtained coincident with the payment transaction.

17. The method of claim 9, wherein generating the additional payment transaction related information at the physical location and time of the payment transaction reduces a rate at which the payment transaction is reported as potentially fraudulent by the user.

18. The method of claim 9, wherein the payment transaction is detected as potentially fraudulent based at least in part on the additional payment transaction related information generated at the physical location by the mobile phone.

19. The method of claim 18, wherein the payment transaction is detected as potentially fraudulent as part of a process of authorizing the payment transaction.

20. The method of claim 9, further comprising modifying the generated additional payment transaction related information to incorporate the transaction identifier thereby enabling association of the newly generated additional payment transaction related information with the payment transaction for which the additional payment transaction related information was generated.

21. A system for performing a payment transaction, comprising:

a mobile wireless phone configured to execute at least one process to, at least;

conduct a payment transaction at a physical location in response to communication with a point of sale terminal using a near field communications mechanism and including causing generation of a transaction record comprising a transaction identifier at the point of sale terminal;

generate a request to a user of the mobile phone asking the user if they wish to generate additional information related to the payment transaction;

activate a camera function of the mobile wireless phone to generate, at the physical location and time of the payment transaction and independently of the point of sale terminal, the additional information related to the payment transaction, wherein the additional information;

(i) is additional with respect to the transaction record, (ii) comprises visual information with respect to at least one aspect of the physical location obtained at least in part by the camera function of the mobile wireless phone and (iii) has at least one characteristic that assists the user to recollect the circumstances of the payment transaction;

associate the additional information with the transaction identifier for the payment transaction; and

transfer the additional information and the associated identifier over a wireless phone network; and

a server configured to execute at least one process to, at least;

receive the transaction record from the point of sale terminal through a communications network distinct from the wireless phone network

receive the additional information and the associated identifier from the mobile wireless phone through the wireless phone network;

process the received additional information including associating the additional information with the transaction record based at least in part on the transaction identifier;

generate an account statement for the user; and

present the account statement to the user, wherein the account statement includes the additional transaction related information or a mechanism for accessing the additional transaction related information.

22. The system of claim 21, wherein the account statement includes a link to a web-site from which the additional information related to the payment transaction may be accessed by the user.