Systems and methods to communicate with transaction terminals

• US 9,240,011 B2
• Filed: 07/12/2012
• Issued: 01/19/2016
• Est. Priority Date: 07/13/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Fuerstenberg, Zack, Cueli, Allen
• Primary Examiner(s): Hayles, Ashford S
• Application Number:
  US13/548,087
• Publication Number:
  US 20130024307A1
• Time in Patent Office: 1,286 Days
• Field of Search: 705/18
• US Class Current: 1/1
• CPC Class Codes: G06F 21/44 Program or device authentication
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• 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 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G07F 9/001 Interfacing with vending machines using mobile or wearable devices
• CPC Class Codes: G07F 9/009 User recognition or proximity detection

Abstract

A transaction terminal is configured with an application that is configured to present a user interface for out-of-band communication with a transaction handler during the processing of a payment transaction. The transaction handler is configured invoke the application in the transaction terminal via transmitting a predetermined code in an authorization response message.

Claims

1. A method implemented in a transaction terminal, the method comprising:

receiving, in the transaction terminal for a payment transaction, a code provided in an authorization response transmitted via a communication channel from a transaction handler through an acquirer processor, wherein the transaction handler is configured to communicate with transaction terminals via acquirer processors in receiving authorization requests and providing authorization responses;

in response to detection of the code in the authorization response, invoking, by the transaction terminal, an application running in the transaction terminal, wherein the application is invoked to established an out-of-band communication connection from the application to a portal of the transaction handler, the out-of-band communication connection being separate from the communication channel through which the authorization response is provided from the transaction handler to the transaction terminal, and present a user interface under control of the portal over the out-of-band communication connection between the application and the portal of the transaction handler;

receiving, in the user interface, at least one user response related to the payment transaction prior to completion of the payment transaction on the transaction terminal; and

transmitting, by the transaction terminal via the application, the user response to the portal of the transaction handler via the out-of-band communication connection.

2. The method of claim 1, wherein the transaction terminal includes a transaction processor running in parallel with the application.

3. The method of claim 2, wherein the transaction processor is configured to invoke the application in response to the code provided in the authorization response.

4. The method of claim 1, wherein the transaction processor is configured to complete the payment transaction after the application completes a communication session with the portal of the transaction handler.

5. The method of claim 1, wherein the code is predetermined to indicate a request for the out-of-band communication connection.

6. The method of claim 1, wherein the code includes an address to make the out-of-band communication connection.

7. The method of claim 1, wherein when the code is not present in the authorization response, the application is not invoked for the out-of-band communication connection.

8. A transaction terminal, comprising:

a transaction processor configured to communicate with an acquirer processor to process payment transactions, the transaction processor configured to detect a code in an authorization response for a transaction; and

an application running in a background in the transaction terminal, wherein when the transaction processor detects the code in the authorization response transmitted via a communication channel from a transaction handler through an acquirer processor for the transaction, the transaction processor invokes the application to present a user interface based on an out-of-band communication connection between the transaction terminal and a portal of the transaction handler that provides the authorization response, the out-of-band communication connection being separate from the communication channel through which the authorization response is provided from the transaction handler to the transaction terminal.

9. The transaction terminal of claim 8, wherein the application is configured to receive user interface data over the out-of-band communication connection to configure the user interface.

10. The transaction terminal of claim 9, wherein the application is further configured to transmit user input received in the user interface to the portal over the out-of-band communication connection.

11. The transaction terminal of claim 8, wherein the application is further configured to connect to a portal of an issuer processor in response to an instruction received via the out-of-band communication connection from the portal of the transaction handler.

12. The transaction terminal of claim 8, wherein the transaction processor is configured to invoke the application at a predetermined stage of processing of the transaction, after the code is detected in the authorization response.

13. The transaction terminal of claim 8, further comprising a display device, wherein a user interface of the application is not presented on the display device until the transaction processor invokes the application.

14. The transaction terminal of claim 13, further comprising an input device, wherein the user interface of the application is configured to receive a user input via the input device and transmit the user input via the out-of-band communication connection to the portal of the transaction handler.

15. A non-transitory computer storage medium storing instructions configured to instruct a transaction terminal to perform a method, the method comprising:

running an application in a background mode in the transaction terminal;

communicating with an acquirer processor to process a payment transaction in an electronic payment network having a transaction handler interconnecting at least the acquirer processor and at least one issuer processor of a payment account in which the payment transaction is to be made;

detecting a code provided by a transaction handler in an authorization response for the payment transaction using a communication channel provided via the acquirer processor in the electronic payment network; and

in response to the code being detected in the authorization response for the payment transaction, invoking the application;

establishing, by the application running in the transaction terminal, with a portal of the transaction handler an out-of-band communication connection separate from the communication channel used for the authorization response;

allowing, by the application running in the transaction terminal, the portal of the transaction handler to control, over the out-of-band communication connection, presentation of a user interface on the transaction terminal; and

presenting, by the application running in the transaction terminal, the user interface under the control of the portal of the transaction terminal over the out-of-band communication connection.

16. The computer storage medium of claim 15, wherein the application is configured to receive user interface data over the out-of-band communication connection to configure the user interface.

17. The computer storage medium of claim 16, wherein the application is further configured to transmit user input received in the user interface to the portal over the out-of-band communication connection.

18. The computer storage medium of claim 15, wherein the application is further configured to connect to a portal of an issuer processor in response to an instruction received via the out-of-band communication connection from the portal of the transaction handler.

19. The computer storage medium of claim 15, wherein the transaction processor is configured to invoke the application at a predetermined stage of processing of the transaction, after the code is detected in the authorization response.

20. The computing apparatus of claim 15, wherein the out-of-band communication connection from the transaction terminal to the portal of the transaction handler does not go through the acquirer processor.