Systems and methods to register merchants for data processing in an electronic transaction system
First Claim
1. A method, comprising:
- providing a computing apparatus having;
a transaction handler configured in an electronic payment transaction processing network in which the transaction handler communicates with a transaction terminal of a first merchant, among a plurality of merchants, using a first communication channel in processing payment transactions of the first merchant, wherein the transaction handler has at least one microprocessor and a memory storing first instructions configured to instruct the microprocessor to process authorization of transactions in the electronic payment transaction processing network; and
a portal configured outside the electronic payment transaction processing network, where the portal receives merchant data related to the first merchant using a second communication channel separate from the first communication channel, wherein processing of at least some of the payment transactions of the first merchant initiated on the transaction terminal is based at least in part on the merchant data, wherein the portal has at least one microprocessor and a memory storing second instructions configured to instruct the portal to present a user interface;
storing, in a data warehouse, transaction records in the computing apparatus, the transaction records including data fields identifying the merchants and transaction terminals of the merchants, wherein the data warehouse has at least one data storage device to store transaction records of authorization of the transactions processed by the transaction handler;
presenting, via the computing apparatus, the user interface, wherein the user interface is configured to search for a representation of a merchant in the electronic payment transaction processing network based on matching data received in the user interface and data in the data fields of the transaction records stored in the computing apparatus;
receiving, in the computing apparatus, a search request in the user interface, the search request including first data received as a search criterion in the user interface;
matching, by the computing apparatus, the first data received as the search criterion and second data in the data fields of the transaction records stored in the computing apparatus to identify a representation of a first merchant in the electronic payment transaction processing network, wherein the representation of the first merchant includes values found in data fields of authorization request messages for transactions of the first merchant;
generating, by the computing apparatus, an identifier uniquely identifying the representation of the first merchant in the electronic payment transaction processing network;
storing, by the computing apparatus, data associating the identifier with the representation of the first merchant in the electronic payment transaction processing network;
providing, by the computing apparatus, the identifier in response to the search request;
receiving, in the portal of the computing apparatus, the merchant data, wherein the merchant data is tagged with the identifier to instruct the transaction handler to detect transactions that have data fields matching the representation of the first merchant, and to process the merchant data in connection with the detected transactions;
associating, by the computing apparatus, the merchant data with the representation of the first merchant in the electronic payment transaction processing network in accordance with the data associating the identifier with the representation of the first merchant;
detecting, by the transaction handler, subsequent transactions identified based on matching respective data fields in authorization requests of the subsequent transactions with the representation of the first merchant; and
processing, by the computing apparatus, the merchant data in connection with processing, by the transaction handler, the subsequent transactions.
1 Assignment
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Accused Products
Abstract
A user interface to register merchants. The user interface is configured to allow a merchant to search and identify a set of transaction parameters that are used in authorization and/or settlement messages of payment transactions initiated for a store of the merchant and allow the merchant to obtain a store identifier representing the set of transaction parameters. The store identifier, for example, can be used to label offers of the store of the merchant. Thus, whether or not an authorization or settlement message transmitted in the payment processing network for a payment transaction is for the store can be determined based on whether or not the transaction parameters in the message match with the set of transaction parameters represented by the store identifier.
149 Citations
16 Claims
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1. A method, comprising:
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providing a computing apparatus having; a transaction handler configured in an electronic payment transaction processing network in which the transaction handler communicates with a transaction terminal of a first merchant, among a plurality of merchants, using a first communication channel in processing payment transactions of the first merchant, wherein the transaction handler has at least one microprocessor and a memory storing first instructions configured to instruct the microprocessor to process authorization of transactions in the electronic payment transaction processing network; and a portal configured outside the electronic payment transaction processing network, where the portal receives merchant data related to the first merchant using a second communication channel separate from the first communication channel, wherein processing of at least some of the payment transactions of the first merchant initiated on the transaction terminal is based at least in part on the merchant data, wherein the portal has at least one microprocessor and a memory storing second instructions configured to instruct the portal to present a user interface; storing, in a data warehouse, transaction records in the computing apparatus, the transaction records including data fields identifying the merchants and transaction terminals of the merchants, wherein the data warehouse has at least one data storage device to store transaction records of authorization of the transactions processed by the transaction handler; presenting, via the computing apparatus, the user interface, wherein the user interface is configured to search for a representation of a merchant in the electronic payment transaction processing network based on matching data received in the user interface and data in the data fields of the transaction records stored in the computing apparatus; receiving, in the computing apparatus, a search request in the user interface, the search request including first data received as a search criterion in the user interface; matching, by the computing apparatus, the first data received as the search criterion and second data in the data fields of the transaction records stored in the computing apparatus to identify a representation of a first merchant in the electronic payment transaction processing network, wherein the representation of the first merchant includes values found in data fields of authorization request messages for transactions of the first merchant; generating, by the computing apparatus, an identifier uniquely identifying the representation of the first merchant in the electronic payment transaction processing network; storing, by the computing apparatus, data associating the identifier with the representation of the first merchant in the electronic payment transaction processing network; providing, by the computing apparatus, the identifier in response to the search request; receiving, in the portal of the computing apparatus, the merchant data, wherein the merchant data is tagged with the identifier to instruct the transaction handler to detect transactions that have data fields matching the representation of the first merchant, and to process the merchant data in connection with the detected transactions; associating, by the computing apparatus, the merchant data with the representation of the first merchant in the electronic payment transaction processing network in accordance with the data associating the identifier with the representation of the first merchant; detecting, by the transaction handler, subsequent transactions identified based on matching respective data fields in authorization requests of the subsequent transactions with the representation of the first merchant; and processing, by the computing apparatus, the merchant data in connection with processing, by the transaction handler, the subsequent transactions. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A non-transitory computer storage medium storing instructions configured to instruct a computing apparatus to perform a method, the method comprising:
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storing transaction records in the computing apparatus, the transaction records including data fields identifying merchants and transaction terminals of the merchants, wherein the computing apparatus has; a transaction handler configured in an electronic payment transaction processing network in which the transaction handler communicates with a transaction terminal of a first merchant, among the merchants, using a first communication channel in processing payment transactions of the first merchant; and a portal configured outside the electronic payment transaction processing network, where the portal receives merchant data related to the first merchant using a second communication channel separate from the first communication channel, wherein processing of at least some of the payment transactions of the first merchant initiated on the transaction terminal is based at least in part on the merchant data; presenting, via the computing apparatus, a user interface configured to search for a representation of a merchant in the electronic payment transaction processing network based on matching data received in the user interface and data in the data fields of the transaction records stored in the computing apparatus; receiving, in the computing apparatus, a search request in the user interface, the search request including first data received as a search criterion in the user interface; matching, by the computing apparatus, the first data received as the search criterion and second data in the data fields of the transaction records stored in the computing apparatus to identify a representation of a first merchant in the electronic payment transaction processing network, wherein the representation of the first merchant includes values found in data fields of authorization request messages for transactions of the first merchant; generating, by the computing apparatus, an identifier uniquely identifying the representation of the first merchant in the electronic payment transaction processing network; storing, by the computing apparatus, data associating the identifier with the representation of the first merchant in the electronic payment transaction processing network; providing, by the computing apparatus, the identifier in response to the search request; receiving, in the portal of the computing apparatus, merchant data, wherein the merchant data is tagged with the identifier to instruct the transaction handler to detect transactions that have data fields matching the representation of the first merchant, and to process the merchant data in connection with the detected transactions; associating, by the computing apparatus, the merchant data with the representation of the first merchant in the electronic payment transaction processing network in accordance with the data associating the identifier with the representation of the first merchant; detecting, by the transaction handler, subsequent transactions identified based on matching respective data fields in authorization requests of the subsequent transactions with the representation of the first merchant; and processing, by the computing apparatus, the merchant data in connection with processing, by the transaction handler, the subsequent transactions.
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16. A computing apparatus, comprising:
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a transaction handler having at least one microprocessor and a memory storing first instructions configured to instruct the microprocessor to process authorization of transactions in an electronic payment transaction processing network, and to detect subsequent transactions identified based on matching respective data fields in authorization requests of the subsequent transactions with a representation of a merchant in the electronic payment transaction processing network; a data warehouse having at least one data storage device to store transaction records of the authorization of the transactions processed by the transaction handler; and a portal having at least one microprocessor and a memory storing second instructions configured to instruct the portal to present a user interface configured to search for a representation of a merchant in the electronic payment transaction processing network based on matching data received in the user interface and data in the data fields of the transaction records stored in the computing apparatus, wherein, after receiving in the user interface a search request including first data received as a search criterion in the user interface, the portal is configured via the second instructions to; match the first data received as the search criterion and second data in the data fields of the transaction records stored in the computing apparatus to identify a representation of a first merchant in the electronic payment transaction processing network, wherein the representation of the first merchant includes values found in data fields of authorization request messages for transactions of the first merchant, generate an identifier uniquely identifying the representation of the first merchant in the electronic payment transaction processing network, store data associating the identifier with the representation of the first merchant in the electronic payment transaction processing network, provide the identifier in response to the search request, receive merchant data, wherein the merchant data is tagged with the identifier to instruct the transaction handler to detect transactions that have data fields matching the representation of the first merchant, and to process the merchant data in connection with the detected transactions, and associate the merchant data with the representation of the first merchant in the electronic payment transaction processing network in accordance with the data associating the identifier with the representation of the first merchant, wherein the transaction handler is configured via the first instructions to process subsequent transactions identified by the representation of the first merchant in accordance with the merchant data.
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Specification