Flexible electronic payment transaction process

• US 9,317,845 B1
• Filed: 12/23/2014
• Issued: 04/19/2016
• Est. Priority Date: 12/23/2014
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Ekselius, Lukas, Pochic, Sebastien, Ates, Fikret, Maidment, Barry
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US14/580,295
• Time in Patent Office: 483 Days
• Field of Search: 235/380, 235/487, 235/492, 235/451, 235/375
• US Class Current: 1/1
• 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 20/24 Credit schemes, i.e. "pay after"
• 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 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/401 Transaction verification

Abstract

A point of sale (POS) terminal is programmed to execute EMV transactions by interaction with payment devices in accordance with a standard EMV transaction flow. An EMV transaction is commenced at the POS terminal with a particular payment device. The POS terminal receives a request from the payment device to interrupt the EMV transaction. The POS terminal responds to the request by interrupting the EMV transaction and taking an action indicated by the request. The action is not required for execution of the standard EMV transaction flow.

Claims

1. A payment transaction processing method, comprising:

commencing a first interaction, said first interaction between a payment device and a POS (point of sale) terminal and including a payment transaction process; and

interrupting said first interaction to perform a second interaction, said second interaction between said POS terminal and a device other than the payment device;

said second interaction being other than;

(a) transmitting an authorization request, and (b) receiving an authorization response;

wherein said second interaction is between the POS terminal and a mobile device that is not the payment device.

2. The method of claim 1, wherein said second interaction is between the POS terminal and a device installed in a motor vehicle.

3. The method of claim 2, wherein said device installed in the motor vehicle provides, to the POS terminal, vehicle identification information that identifies said motor vehicle.

4. The method of claim 1, wherein the payment device is an IC (integrated circuit) payment card.

5. The method of claim 1, wherein:

said first interaction is part of an EMV standard process flow; and

said second interaction is not part of an EMV standard process flow.