Contactless message transmission
First Claim
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1. A method comprising:
- determining, by a processor in a mobile payment device, merchant consumable data including a coupon code or loyalty data;
generating, by the processor, a data transfer message, the data transfer message comprising a plurality of pre-designated data fields comprising an account identifier data field comprising an account number, an expiration date data field, a cryptogram data field, a service code data field, a consumer name data field, and an issuer application data data field;
inserting, by the processor, the merchant consumable data into the consumer name data field; and
providing, by the processor, the data transfer message to an access device,wherein the access device is configured to extract the merchant consumable data from the data transfer message and process the merchant consumable data, bydetermining a transaction amount for a transaction;
applying a discount associated with the merchant consumable data to the transaction;
generating a discounted amount for the transaction;
generating an authorization request message comprising the discounted amount for the transaction; and
transmitting the authorization request message to an issuer of an account associated with the mobile payment device.
1 Assignment
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Accused Products
Abstract
A system and method uses one or more repurposed data fields in a payment transaction message to pass the merchant consumable data from a mobile device to the merchant system using an existing channel. The merchant consumable data relate to loyalty or rewards.
16 Citations
20 Claims
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1. A method comprising:
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determining, by a processor in a mobile payment device, merchant consumable data including a coupon code or loyalty data; generating, by the processor, a data transfer message, the data transfer message comprising a plurality of pre-designated data fields comprising an account identifier data field comprising an account number, an expiration date data field, a cryptogram data field, a service code data field, a consumer name data field, and an issuer application data data field; inserting, by the processor, the merchant consumable data into the consumer name data field; and providing, by the processor, the data transfer message to an access device, wherein the access device is configured to extract the merchant consumable data from the data transfer message and process the merchant consumable data, by determining a transaction amount for a transaction; applying a discount associated with the merchant consumable data to the transaction; generating a discounted amount for the transaction; generating an authorization request message comprising the discounted amount for the transaction; and transmitting the authorization request message to an issuer of an account associated with the mobile payment device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A mobile payment device comprising:
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a processor; and a computer readable medium comprising code, executable by the processor, for implementing a method comprising; determining merchant consumable data comprising a coupon code or loyalty data; generating a data transfer message, the data transfer message comprising a plurality of pre-designated data fields comprising an account identifier data field comprising an account number, an expiration date data field, a cryptogram data field, a service code data field, a consumer name data field, and an issuer application data data field; inserting the merchant consumable data into the consumer name data field; and providing the data transfer message to an access device, wherein the access device is configured to extract the merchant consumable data from the data transfer message and process the merchant consumable data, by determining a transaction amount for a transaction; applying a discount associated with the merchant consumable data to the transaction; generating a discounted amount for the transaction; generating an authorization request message comprising the discounted amount for the transaction; and transmitting the authorization request message to an issuer of an account associated with the mobile payment device. - View Dependent Claims (10, 11, 12)
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13. A method comprising:
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receiving, by a processor, a data transfer message from a mobile payment device, wherein the data transfer message comprises merchant consumable data comprising a coupon code or loyalty data, and a plurality of pre-designated data fields comprising an account identifier data field comprising an account number, an expiration date data field, a cryptogram data field, a service code data field, a consumer name data field, and an issuer application data data field, wherein the merchant consumable data is in the consumer name data field; extracting, by the processor, the merchant consumable data; and processing, by the processor, the merchant consumable data, wherein processing, by the processor, the merchant consumable data comprises; determining, by the processor, a transaction amount for a transaction; applying, by the processor, a discount associated with the merchant consumable data to the transaction; generating, by the processor, a discounted amount for the transaction; generating, an authorization request message comprising the discounted amount for the transaction; and transmitting the authorization request message to an issuer of an account associated with the mobile payment device. - View Dependent Claims (14, 15, 16, 17, 18)
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19. A device comprising:
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a processor; and a computer readable medium comprising code, executable by the processor, for implementing a method comprising; receiving a data transfer message from a mobile payment device, wherein the data transfer message comprises merchant consumable data comprising a coupon code or loyalty data, and a plurality of pre-designated data fields comprising an account identifier data field comprising an account number, an expiration date data field, a cryptogram data field, a service code data field, a consumer name data field, and an issuer application data data field, wherein the merchant consumable data is in the consumer name data field; extracting the merchant consumable data; and processing the merchant consumable data, wherein processing the merchant consumable data comprises; determining a transaction amount for a transaction; applying a discount associated with the merchant consumable data to the transaction; generating a discounted amount for the transaction; generating an authorization request message comprising the discounted amount for the transaction; and transmitting the authorization request message to an issuer of an account associated with the mobile payment device. - View Dependent Claims (20)
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Specification