Systems and methods for facilitating card present transactions

• US 10,089,617 B2
• Filed: 09/26/2012
• Issued: 10/02/2018
• Est. Priority Date: 09/26/2011
• Status: Expired due to Fees

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Royyuru, Vijay Kumar, Nuzum, Todd
• Primary Examiner(s): Apple, Kirsten S
• Application Number:
  US13/627,670
• Publication Number:
  US 20130080329A1
• Time in Patent Office: 2,197 Days
• Field of Search: 705 35
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Embodiments of the disclosure can include systems and methods for facilitating card present transactions. In one embodiment, a computer-implemented method for conducting card present transactions can be provided. The method can include receiving, by a merchant system comprising one or more computers, a request for a card present electronic commerce transaction on behalf of a consumer; determining, by the merchant system, an identifier of a mobile device of the consumer; obtaining, by the merchant system from the mobile device, validation information associated with a payment application stored on the mobile device; and outputting, by the merchant system for communication to an issuer system, a proposed card present transaction and the validation information.

Claims

1. A computer-implemented method for securing card present electronic commerce transactions, the method comprising:

receiving, by a merchant system comprising one or more computers, a request to conduct a card present transaction from a mobile communication device;

identifying, by the merchant system, the request as a card present transaction based on a comparison of a stored mobile device number or identifier, with a mobile device number or identifier associated with the mobile communication device;

receiving, by the merchant system, payment account and validation information from the mobile communication device, wherein the validation information is based at least in part on comparing a consumer mPIN (mobile personal identification number) value input by the user of the mobile communication device with a mPIN value stored on a secure element of the mobile communication device; and

communicating, by the merchant system, the request for the purchase transaction to an issuer system, wherein the request is for a card present electronic commerce transaction, and the validation information is transmitted to the issuer system for comparison with previously stored issuer information comprising a mPIN value stored during a consumer registration process or an activation of a payment application stored on the mobile communication device.

2. The computer-implemented method of claim 1, wherein obtaining validation information comprises obtaining information derived from a consumer mPIN (mobile personal identification number) stored on the mobile device.

3. The computer-implemented method of claim 2, wherein the validation information comprises an encrypted mPIN value or data derived from the consumer mPIN (mobile personal identification number) value.

4. The computer-implemented method of claim 1, wherein the validation information comprises an encrypted mPIN value or data derived from the consumer mPIN (mobile personal identification number) value.

5. The computer-implemented method of claim 1, wherein the identifying, by the merchant system, the request as a card present transaction based on a comparison of a stored mobile device number or identifier, with a mobile device number or identifier associated with the mobile communication device, further comprises outputting, by the merchant system, a transaction ID for capture by the mobile communication device, and receiving, by the merchant system, transaction ID validation information based at least in part on capture of the transaction ID by the mobile communication device.

6. The computer-implemented method of claim 5, wherein the transaction ID comprises text or a bar code.

7. A computer-implemented method for securing card present electronic commerce transactions, the method comprising:

receiving, by a merchant system comprising one or more computers, a request to conduct a card present transaction from a mobile communication device;

identifying, by the merchant system, the request as a card present transaction based on a comparison of a stored mobile device number or identifier, with a mobile device number or identifier associated with the mobile communication device;

invoking, by the merchant system, a transaction module stored on the mobile communication device, wherein the transaction module prompts entry of a consumer mPIN (mobile personal identification number) value to the mobile communication device;

receiving, by the merchant system, payment account and validation information from the mobile communication device, wherein the validation information is based at least in part on comparing the consumer mPIN value input to the mobile communication device with a mPIN value stored on a secure element of the mobile communication device;

receiving, by the mobile communication device, an identifier for the merchant system and the card present transaction;

communicating, by the merchant system, the request for the purchase transaction to an issuer system, wherein the request is for a card present electronic commerce transaction, and the validation information is transmitted to the issuer system for comparison with previously stored issuer information comprising a mPIN value stored during a consumer registration process or an activation of the transaction module stored on the mobile communication device; and

receiving, by the merchant system, authorization from the issuer system to proceed with the card present transaction.

8. The computer-implemented method of claim 7, wherein the validation information comprises an encrypted mPIN value or data derived from the consumer mPIN (mobile personal identification number) value.

9. The computer-implemented method of claim 7, wherein the identifying, by the merchant system, the request as a card present transaction based on a comparison of a stored mobile device number or identifier, with a mobile device number or identifier associated with the mobile communication device, further comprises outputting, by the merchant system, a transaction ID for capture by the mobile communication device, and receiving, by the merchant system, transaction ID validation information based at least in part on capture of the transaction ID by the mobile communication device.

10. The computer-implemented method of claim 9, wherein the transaction ID comprises text or a bar code.

11. A computer-implemented method for securing card present electronic commerce transactions, the method comprising:

receiving, by a merchant system comprising one or more computers, a request to conduct a card present electronic commerce transaction from a mobile communication device;

identifying, by the merchant system, the request as a card present transaction based on a comparison of a stored mobile device number or identifier, with a mobile device number or identifier associated with the mobile communication device;

receiving, by the merchant system, a mobile communication device identifier, the merchant system, and the card present transaction; and

communicating, by the merchant system, the request for the purchase transaction to an issuer system, wherein the request is for a card present electronic commerce transaction, and the validation information is transmitted to the issuer system for comparison with previously stored issuer information comprising a mPIN value stored during a consumer registration process or an activation of the transaction module stored on the mobile communication device; and

receiving, by the merchant system, authorization from the issuer system to proceed with the card present transaction.

12. The computer-implemented method of claim 11, wherein the identifying, by the merchant system, the request as a card present transaction based on a comparison of a stored mobile device number or identifier, with a mobile device number or identifier associated with the mobile communication device, further comprises outputting, by the merchant system, a transaction ID for capture by the mobile communication device, and receiving, by the merchant system, transaction ID validation information based at least in part on capture of the transaction ID by the mobile communication device.

13. The computer-implemented method of claim 12, wherein the transaction ID comprises text or a bar code.