Serial number and payment data based payment card processing

• US 9,805,347 B2
• Filed: 10/08/2008
• Issued: 10/31/2017
• Est. Priority Date: 11/29/2007
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Hurry, Simon J.
• Primary Examiner(s): Hewitt, II, Calvin L
• Assistant Examiner(s): MCINTYRE, CHARLES AARON
• Application Number:
  US12/247,227
• Publication Number:
  US 20090144203A1
• Time in Patent Office: 3,310 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• 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 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: H04N 21/2542 for selling goods, e.g. TV shopping payment schemes, payment architectures or payment protocols for electronic shopping systems G06Q20/12
• CPC Class Codes: H04N 21/2543 Billing , e.g. for subscription services payment schemes, architectures or protocols G06Q20/00; e-commerce G06Q30/00; arrangements for billing for the use of broadcast information or broadcast-related information H04H60/21
• CPC Class Codes: H04N 21/4182 for identification purposes, e.g. storing user identification data, preferences, personal settings or data restricting access to computer systems by authenticating users using a predetermined code in combination with an additional device, e.g. dongle or smart card G06F21/123
• CPC Class Codes: H04N 21/42684 Client identification by a unique number or address, e.g. serial number, MAC address, socket ID network arrangements, protocols or services for addressing or naming H04L61/00
• CPC Class Codes: H04N 21/47815 Electronic shopping payment schemes, payment architectures or payment protocols for electronic shopping systems G06Q20/12

Abstract

A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID.

Claims

1. A media server system, comprising:

one or more processors; and

one or more non-transitory memory devices coupled to the one or more processors, the one or more memory devices including a set of software instructions that when executed by the one or more processors cause the one or more processors to perform operations including;

receiving an encryption key from a payment card subscriber management server;

storing the encryption key in a mapping table of authorized media device IDs and for each authorized media device ID an encryption key;

generating media content and tagging the media content with a tag number;

posting the tagged media content on a network;

receiving a purchase selection message from a media device, the purchase selection message including encrypted payment account information corresponding to a user payment account, the tag number, and a media device ID of the media device;

identifying, based on the purchase selection message, the media device ID from the purchase selection message;

validating a purchase associated with the purchase selection message by;

selecting, based upon the identified media device ID, a corresponding encryption key using the mapping table;

decrypting the encrypted portion of the payment account information using the selected encryption key; and

upon validating the purchase, transmitting the purchase selection message to the payment card subscriber management server.

2. The media server system of claim 1 wherein the media server system determines that the media device ID corresponds to the authorized media device ID for the user payment account when:

the media device ID is the same as the authorized media device ID transmitted within the payment account information;

or

the media device ID is the same as a media device ID, of the authorized media device, stored in the one or more memory devices;

or

the encryption key that corresponds to the media device ID successfully decrypts the encrypted portion of the payment account information.

3. The media server system of claim 1 wherein the order message includes a stock-keeping unit (SKU) number that corresponds to a media content tag number and further includes the payment account information, wherein the order message is communicated to a merchant server that is associated with the SKU number.

4. The media server system of claim 1 further comprising a media server and the payment card subscriber management server, wherein:

when the media server determines that the media device ID corresponds to an authorized media device ID, the media server subsequently transmits a media content tag number and the payment account information to the payment card subscriber management server; and

the payment card subscriber management server transmits a SKU number based on the tag number and the payment account information to a merchant server.

5. The media server system of claim 1 wherein the set of software instructions are further configured, when executed by the one or more processors, to cause the one or more processors to perform operations including:

determining a payment card company server corresponding to the user payment account; and

transmitting a payment authorization request message that includes a payment authorization request directly to the payment card company server upon determining that the media device ID is same as an authorized media device ID.

6. The media server system of claim 5 wherein the payment card company server comprises at least one of a payment card processor server and a financial institution issuer server.

7. The media server system of claim 1 wherein the set of software instructions are further configured, when executed by the one or more processors, to cause the one or more processors to perform operations including:

receiving a message transmitted by a merchant server that includes a sale confirmation; and

based upon receiving the sale confirmation, sending settlement information to a payment card company server.

8. A method comprising:

receiving, by a media server system comprising one or more processors, an encryption key from a payment card subscriber management server;

storing, by the media server system, the encryption key in a mapping table of authorized media device IDs and for each authorized media device ID an encryption key;

generating, by the media server system, media content and tagging the media content with a tag number;

posting, by the media server system, the tagged media content on a network;

receiving, by the media server system, a purchase selection message from a media device, the purchase selection message including encrypted payment account information corresponding to a user payment account, the tag number, and a media device ID of the media device;

identifying, by the media server system, based on the purchase selection message, the media device ID from the purchase selection message;

validating, by the media server system, a purchase associated with the purchase selection message by;

selecting, based upon the identified media device ID, a corresponding encryption key using the mapping table;

decrypting the encrypted portion of the payment account information using the selected encryption key; and

upon validating the purchase, transmitting, by the media server system, the purchase selection message to the payment card subscriber management server.

9. The method of claim 8 wherein the media server system determines that the media device ID corresponds to the authorized media device ID for the user payment account when:

the media device ID is the same as the authorized media device ID transmitted within the payment account information;

or

the media device ID is the same as a media device ID, of the authorized media device, stored in the one or more memory devices;

or

the encryption key that corresponds to the media device ID successfully decrypts the encrypted portion of the payment account information.

10. The method of claim 8 wherein the order message includes a stock-keeping unit (SKU) number that corresponds to a media content tag number and further includes the payment account information, wherein the order message is communicated, by the media server system, to a merchant server that is associated with the SKU number.

11. The method of claim 8 wherein the media server system further includes a media server and the payment card subscriber management server, wherein when the media server determines that the media device ID corresponds to an authorized media device ID, the media server subsequently transmits a media content tag number and the payment account information to the payment card subscriber management server, and wherein the payment card subscriber management server transmits a SKU number based on the tag number and the payment account information to a merchant server.

12. The method of claim 8 further comprising:

determining, by the media server system, a payment card company server corresponding to the user payment account; and

transmitting, by the media server system, a payment authorization request message that includes a payment authorization request directly to the payment card company server upon determining that the media device ID is same as an authorized media device ID.

13. The method of claim 12 wherein the payment card company server comprises at least one of a payment card processor server and a financial institution issuer server.

14. The method of claim 8 further comprising

receiving, by the media server system, a message transmitted by a merchant server that includes a sale confirmation;

and

based upon receiving the sale confirmation, sending, by the media server system, settlement information to a payment card company server.