Flexible electronic payment transaction process
First Claim
Patent Images
1. A payment transaction processing method, comprising:
- receiving, by a POS (point of sale) terminal, an instruction from a payment device, the instruction for instructing the POS terminal to present a prompt to a user of the payment device;
prompting the user, by the POS terminal, to enter data related to a motor vehicle associated with the user;
receiving, by the POS terminal, data input into the POS terminal in response to the prompting by the POS terminal, said data input including the data related to the motor vehicle;
performing an EMV payment transaction between the POS terminal and the payment device; and
transmitting, by the POS terminal, an authorization request to be routed to an issuer of the payment device;
wherein the authorization request includes at least some of the data input into the POS terminal by the user of the payment device.
1 Assignment
0 Petitions
Accused Products
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.
-
Citations
16 Claims
-
1. A payment transaction processing method, comprising:
-
receiving, by a POS (point of sale) terminal, an instruction from a payment device, the instruction for instructing the POS terminal to present a prompt to a user of the payment device; prompting the user, by the POS terminal, to enter data related to a motor vehicle associated with the user; receiving, by the POS terminal, data input into the POS terminal in response to the prompting by the POS terminal, said data input including the data related to the motor vehicle; performing an EMV payment transaction between the POS terminal and the payment device; and transmitting, by the POS terminal, an authorization request to be routed to an issuer of the payment device; wherein the authorization request includes at least some of the data input into the POS terminal by the user of the payment device. - View Dependent Claims (2, 3)
-
-
4. A payment transaction processing method comprising:
-
providing a POS (point of sale) terminal that is programmed to execute EMV transactions by interaction with payment devices in accordance with a standard EMV payment transaction flow; commencing, by the POS terminal, an EMV payment transaction with one of the payment devices, said one of the payment devices having been presented to the POS terminal to initiate the EMV payment transaction; receiving, by the POS terminal, a request from said one of the payment devices to interrupt the EMV payment transaction; responding to said request by; (a) interrupting the EMV payment transaction; and (b) taking, by the POS terminal, an action indicated by said request, said action not required for execution of the standard EMV payment transaction flow; and completing the EMV payment transaction;
the EMV payment transaction including the POS terminal receiving, from said one of said payment devices, payment account information that represents a payment account for use in the EMV payment transaction. - View Dependent Claims (5, 6, 7, 8, 9)
-
-
10. 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; 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; andcompleting the payment transaction process;
the payment transaction process including the POS terminal receiving, from said payment device, payment account information that represents a payment account for use in the payment transaction process. - View Dependent Claims (11, 12, 13, 14, 15, 16)
-
Specification