Systems and methods to communicate with transaction terminals
First Claim
Patent Images
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.
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Accused Products
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.
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Citations
20 Claims
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1. A method implemented in a transaction terminal, the method comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A transaction terminal, comprising:
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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. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A non-transitory computer storage medium storing instructions configured to instruct a transaction terminal to perform a method, the method comprising:
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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. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification