Systems and methods for facilitating payments via a peer-to-peer protocol

• US 9,818,098 B2
• Filed: 03/13/2013
• Issued: 11/14/2017
• Est. Priority Date: 03/20/2012
• Status: Active Grant

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Royyuru, Vijay Kumar, Morea, Dominic John, Donat, Peter Allen
• Primary Examiner(s): Ludwig, Peter L
• Application Number:
  US13/801,591
• Publication Number:
  US 20130254052A1
• Time in Patent Office: 1,707 Days
• Field of Search: 705 77
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

This disclosure describes systems and methods related to facilitating payments via a peer-to-peer protocol. Tokenized information associated with a payment transaction may be obtained. Establishment of a peer-to-peer communications session with a payment recipient device may be facilitated. The tokenized information to the recipient device via the established peer-to-peer communications session may be communicated in order to facilitate completion of the payment transaction.

Claims

1. One or more computer-readable media configured to store computer-executable instructions that, responsive to execution by one or more processors, cause operations to be performed comprising:

receiving a first transaction request;

determining that tokenization service access to a secure element of a mobile communication device is available for the first transaction request, the secure element is a first hardware chip separated from a second hardware chip of the mobile device, the first hardware chip configured to communicate with the second hardware chip, and the second hardware chip configured to invoke a peer-to-peer protocol for peer-to-peer communication between the consumer device and a merchant device;

transmitting a first request to the secure element for tokenization of data of the first transaction request;

determining, by the secure element, a first tokenization information associated with a first payment transaction for the first transaction request, wherein the first tokenized information comprises a payment credential, payment-related data, and value added service (VAS) information, wherein the VAS information consists of;

information associated with an application of coupons, wherein the information associated with the application of coupons identifies one or more coupons that may be redeemed in association with the first transaction request,

information associated with loyalty awards, wherein the information associated with the loyalty awards facilitates the issuance of loyalty points in association with the first transaction request,

information associated with delivery services, and

information associated with product registration services;

receiving, by the mobile device, the first tokenized information from the secure element in response to the first request;

establishing, by the second hardware chip, a first peer-to-peer communication session with a first payment recipient device and the mobile device;

communicating, by the mobile device, the first tokenized information to the first payment recipient device via the first peer-to-peer communication session to facilitate completion of the first payment transaction;

receiving, by the mobile device, a second transaction request;

determining, by the mobile device, that the tokenization service access to the secure element is not available for the second transaction request;

transmitting, by the mobile device, a second request to a tokenization service provider for the tokenization of data of the second transaction request;

receiving, by the mobile device, a second tokenized information from the tokenization service provider;

establishing, by the second hardware chip, a second peer-to-peer communication session with a second payment recipient device; and

communicating, by the mobile device, the second tokenized information to the second payment recipient device via the second peer-to-peer communication session to facilitate completion of the second payment transaction.

2. The one or more computer-readable media of claim 1, wherein the first peer-to-peer communication session utilizes the peer-to-peer protocol.

3. The one or more computer-readable media of claim 1, the operations further comprising:

verifying an identity of a consumer associated with the mobile device.

4. The one or more computer-readable media of claim 1, wherein the—

payment-related data comprises at least one of;

i) identification information for a payment account to be utilized in association with the payment transactions;

ii) consumer identification information to identify the payment account;

or

iii) consumer device identification information to identify the payment account.

5. The one or more computer-readable media of claim 1, wherein the VAS information further comprises at least one of:

data associated with a pre-transaction VAS;

or

data associated with a post-transaction VAS.

6. The one or more computer-readable media of claim 1, the operations further comprising:

evaluating the mobile device location based at least in part on consumer transaction processing preferences; and

determining whether the payment transaction can be completed based at least in part on the evaluation;

in response to determining the payment transaction can be completed, completing the payment transaction; and

in response to determining the payment transaction cannot be completed, aborting the payment transaction.

7. The one or more computer-readable media of claim 1, the operations further comprising:

generating an electronic receipt corresponding to the payment transaction; and

transmitting the electronic receipt to one or more devices based at least in part on consumer preferences.

8. A computer-implemented method, comprising:

receiving, by a consumer device comprising at least one processor, a first transaction request;

determining, by the consumer device, that tokenization service access to a secure element of the consumer device is available for the first transaction request,

wherein the secure element is a first hardware chip separated from a second hardware chip of the consumer device, the first hardware chip configured to communicate with the second hardware chip, and the second hardware chip configured to invoke a peer-to-peer protocol for peer-to-peer communication between the consumer device and a merchant device;

transmitting, by the consumer device, a first request to the secure element for tokenization of data of the first transaction request;

determining, by the secure element, a first tokenization information associated with a first payment transaction for the first transaction request, wherein the first tokenized information comprises a payment credential, payment-related data, and value added service (VAS) information, wherein the VAS information consists of;

information associated with an application of coupons, wherein the information associated with the application of coupons identifies one or more coupons that may be redeemed in association with the first transaction request,

information associated with loyalty awards, wherein the information associated with the loyalty awards facilitates the issuance of loyalty points in association with the first transaction request,

information associated with delivery services, and

information associated with product registration services;

receiving, by the consumer device, the first tokenized information from the secure element in response to the first request;

establishing, by the second hardware chip, a first peer-to-peer communication session with a first payment recipient device and the consumer device;

communicating, by the consumer device, the first tokenized information to the first payment recipient device via the first peer-to-peer communication session to facilitate completion of the first payment transaction;

receiving, by the consumer device, a second transaction request;

determining, by the consumer device, the tokenization service access to the secure element is not available for the second transaction request;

transmitting, by the consumer device, a second request to a tokenization service provider for the tokenization of data of the second transaction request;

receiving, by the consumer device, a second tokenized information from the tokenization service provider;

establishing, by the second hardware chip, a second peer-to-peer communication session with a second payment recipient device and the consumer device; and

communicating, by the consumer device, the second tokenized information to the second payment recipient device via the second peer-to-peer communication session to facilitate completion of the second payment transaction.

9. The computer-implemented method of claim 8, wherein the first peer-to-peer communication session utilizes the peer-to-peer protocol.

10. The computer-implemented method of claim 8, further comprising:

verifying, by the consumer device, an identity of a consumer associated with the consumer device.

11. The computer-implemented method of claim 8, wherein the payment-related data comprises at least one of:

i) identification information for a payment account to be utilized in association with the payment transactions;

ii) consumer identification information to identify the payment account;

or

iii) consumer device identification information to identify the payment account.

12. The computer-implemented method of claim 8, wherein the VAS information further comprises at least one of:

i) data associated with a pre-transaction VAS;

or

ii) data associated with a post-transaction VAS.

13. The computer-implemented method of claim 8, further comprising:

evaluating, by the consumer device, a consumer device location based at least in part on consumer transaction processing preferences; and

determining, by the consumer device, whether the payment transaction can be completed based at least in part on the evaluation;

in response to determining the payment transaction can be completed, completing, by the consumer device, the payment transaction; and

in response to determining the payment transaction cannot be completed, aborting, by the consumer device, the payment transaction.

14. The computer-implemented method of claim 8, further comprising:

generating, by the consumer device, an electronic receipt corresponding to the payment transaction; and

transmitting, by the consumer device, the electronic receipt to one or more devices based at least in part on consumer preferences.