System, method, and computer program for capturing a unique identifier for a merchant used in purchase transaction approval requests

• US 9,613,358 B1
• Filed: 08/19/2013
• Issued: 04/04/2017
• Est. Priority Date: 08/19/2013
• Status: Active Grant

• Current Assignee: Marqeta, Inc.
• Original Assignee: Marqeta, Inc.
• Inventors: Gardner, Jason M.
• Primary Examiner(s): Niquette, Robert R
• Assistant Examiner(s): KING JR., JOSEPH W
• Application Number:
  US13/970,530
• Time in Patent Office: 1,324 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/4097 using mutual authentication between devices and transaction partners

Abstract

A system, method, and computer program are provided for capturing a unique identifier for a merchant used in purchase transaction approval requests. A merchant is able to register with a payment card system via a merchant interface. A payment card number is associated with and provided to the merchant via the interface with instructions to perform a purchase transaction with the payment card number. The system receives requests for approval of payment card transactions, where each request includes a payment card number and a unique identifier for a merchant. For each request, the system determines whether the payment card number includes an indicator that the payment card number is for the purpose of capturing a unique identifier for a merchant. In response to receiving a request with a payment card number that includes the indicator, a unique identifier accompanying the request is automatically associated with the registering merchant.

Claims

1. An automated method, performed by a payment card system, for capturing a unique identifier for a merchant used in purchase transaction approval requests, the method comprising:

providing a merchant interface via which a merchant is able to register with the payment card system, wherein the merchant enters a merchant name in the interface in registering;

in response to a merchant initiating registration with the payment card system, associating a payment card number with the merchant and providing the payment card number to the merchant via the merchant interface with instructions for the merchant to perform a purchase transaction with the payment card number in order to capture a unique identifier of the merchant, wherein the payment card number includes an indicator that indicates to the payment card system that the payment card number is for the purpose of capturing a unique identifier of a merchant, wherein the unique identifier is a merchant'"'"'s MID;

receiving at the payment card system one or more requests for approval of payment card transactions, wherein each request includes a payment card number and a MID for a merchant;

for each such request received, determining whether a respective payment card number associated with the request includes the indicator that indicates to the payment card system that the respective payment card number is for the purpose of capturing a MID for a merchant;

in response to receiving a request, among the one or more requests for approval, having a payment card number that includes the indicator, automatically associating a MID accompanying the request with a merchant previously associated with the payment card number;

in response to receiving a request, among one or more requests for approval, having a payment card number that does not include the indicator and having a MID that does not match a MID of a registered merchant, determining whether other merchant information accompanying the request matches information, including name and address information, previously stored in association with a registered merchant;

in response to the other merchant information in the request matching information previously associated with a registered merchant, determining whether the matching information has been confirmed for the registered merchant a threshold number of times;

in response to the matching information being confirmed the threshold number of times, approving the transaction request if there are sufficient funds or credit for the transaction for use with the matching registered merchant in an account of a payment card holder associated with the transaction, and sending a message to the matching registered merchant inquiring as to whether the merchant has changed its merchant processor or added a new merchant location; and

in response to the matching information not being confirmed a threshold number of times, declining the transaction.

2. The method of claim 1, wherein a MID associated with a merchant in response to receiving a payment card with the indicator is used to uniquely identify merchant purses for the merchant in payment cardholders'"'"' accounts.

3. The method of claim 1, wherein the instructions to perform a purchase transaction also include a specified purchase transaction amount, and wherein, in response to receiving a request for approval of a purchase transaction with a payment card number that includes the indicator, a MID accompanying the request is only associated with the merchant previously associated with the payment card number if a purchase amount in the request matches the specified purchase transaction amount provided to the merchant.

4. The method of claim 1, wherein the other merchant information includes longitude and latitude information for a merchant.

5. The method of claim 1, wherein, in response to the matching registered merchant indicating that it has changed its merchant processor, replacing the MID previously associated with the matching registered merchant with the MID accompanying the request.

6. The method of claim 1, wherein, in response to the matching registered merchant indicating that it has added a new location, adding the MID accompanying the request to the MIDs associated with the matching registered merchant.

7. The method of claim 1, further comprising:

after associating a MID with a registering merchant, using said MID to look up the merchant in a MID database;

comparing information about the merchant in the MID database to information entered by the merchant in the merchant interface during registration; and

in response to identifying a disparity between the information in the MID database and the information entered by the merchant during registration, updating the MID database to match the information entered by the merchant during registration.

8. The method of claim 1, wherein the indicator is one or more numbers immediately following the BIN or IIN in a payment card number.

9. The method of claim 1, wherein the request for approval of a purchase transaction also indicates whether or not the merchant accepts split-tender transactions and wherein the method further comprises:

in response to the request indicating that the merchant associated with the request does not accept split-tender transactions, notifying the merchant that the merchant is not currently configured to accept split-tender transactions.

10. A payment card system for capturing a unique identifier for a merchant used in purchase transaction approval requests, the payment card system comprising:

one or more processors;

one or more memory units coupled to the one or more processors, wherein the one or more memory units store instructions that, when executed by the one or more processors, cause the payment card system to perform the operations of;

providing a merchant interface via which a merchant is able to register with the payment card system, wherein the merchant enters a merchant name in the interface in registering;

in response to a merchant initiating registration with the payment card system, associating a payment card number with the merchant and providing the payment card number to the merchant via the merchant interface with instructions for the merchant to perform a purchase transaction with the payment card number in order to capture a unique identifier for the merchant, wherein the payment card number includes an indicator that indicates to the payment card system that the payment card number is for the purpose of capturing a unique identifier of a merchant, wherein the unique identifier is a merchant'"'"'s MID;

receiving at the payment card system one or more requests for approval of payment card transactions, wherein each request includes a payment card number and a MID for a merchant;

for each such request received, determining whether a respective payment card number associated with the request includes the indicator that indicates to the payment card system that the respective payment card number is for the purpose of capturing a MID for a merchant;

in response to receiving a request, among the one or more requests for approval, having a payment card number that includes the indicator, automatically associating a MID accompanying the request with a merchant previously associated with the payment card number;

in response to receiving a request, among one or more requests for approval, having a payment card number that does not include the indicator and having a MID that does not match a MID of a registered merchant, determining whether other merchant information accompanying the request matches information, including name and address information, previously stored in association with a registered merchant;

in response to the other merchant information in the request matching information previously associated with a registered merchant, determining whether the matching information has been confirmed for the registered merchant a threshold number of times;

in response to the matching information being confirmed the threshold number of times, approving the transaction request if there are sufficient funds or credit for the transaction for use with the matching registered merchant in an account of a payment cardholder associated with the transaction, and sending a message to the matching registered merchant inquiring as to whether the merchant has changed its merchant processor or added a new merchant location; and

in response to the matching information not being confirmed a threshold number of times, declining the transaction.

11. One or more non-transitory computer-readable media comprising computer program code that when executed by a payment card system enables the payment card system to perform the following method for capturing a unique identifier for a merchant used in purchase transaction approval requests, the method comprising:

providing a merchant interface via which a merchant is able to register with the payment card system, wherein the merchant enters a merchant name in the interface in registering;

in response to a merchant initiating registration with the payment card system, associating a payment card number with the merchant and providing the payment card number to the merchant via the merchant interface with instructions for the merchant to perform a purchase transaction with the payment card number in order to capture a unique identifier of the merchant, wherein the payment card number includes an indicator that indicates to the payment card system that the payment card number is for the purpose of capturing a unique identifier of a merchant, wherein the unique identifier is a merchant'"'"'s MID;

receiving at the payment card system one or more requests for approval of payment card transactions, wherein each request includes a payment card number and a MID for a merchant;

for each such request received, determining whether a respective payment card number associated with the request includes the indicator that indicates to the payment card system that the respective payment card number is for the purpose of capturing a MID for a merchant;

in response to receiving a request, among the one or more requests for approval, having a payment card number that includes the indicator, automatically associating a MID accompanying the request with a registering merchant previously associated with the payment card number;

in response to receiving a request, among the one or more requests for approval, having a payment card number that does not include the indicator and having a MID that does not match, a MID of a registered merchant, determining whether other merchant information accompanying the request matches information, including name and address information, previously stored in association with a registered merchant;

in response to the other merchant information in the request matching information previously associated with a registered merchant, determining whether the matching information has been confirmed for the registered merchant a threshold number of times;

in response to the matching information being confirmed the threshold number of times, approving the transaction request if there are sufficient funds or credit for the transaction for use with the matching registered merchant in an account of a payment cardholder associated with the transaction, and sending a message to the matching registered merchant inquiring as to whether the merchant has changed its merchant processor or added a new merchant location; and

in response to the matching information not being confirmed a threshold number of times, declining the transaction.

12. The one or more non-transitory computer-readable media of claim 11, wherein the MID associated with a merchant in response to receiving a payment card with the indicator is used to uniquely identify merchant purses for the merchant in payment cardholders'"'"' accounts.

13. The one or more non-transitory computer-readable media of claim 11, wherein the instructions to perform a purchase transaction also include a specified purchase transaction amount, and wherein, in response to receiving a request for approval of a purchase transaction with a payment card number that includes the indicator, the MID accompanying the request is only associated with the merchant previously associated with the payment card number if a purchase amount in the request matches the specified purchase transaction amount provided to the merchant.

14. The one or more non-transitory computer-readable media of claim 11, wherein the other merchant information includes longitude and latitude information for a merchant.

15. The one or more non-transitory computer-readable media of claim 11, wherein, in response to the matching registered merchant indicating that it has changed its merchant processor, replacing the MID previously associated with the matching registered merchant with the MID accompanying the request.

16. The one or more non-transitory computer-readable media of claim 11, wherein, in response to the matching registered merchant indicating that it has added a new location, adding the MID accompanying the request to the MIDs associated with the matching registered merchant.

17. The one or more non-transitory computer-readable media of claim 11, wherein the method further comprises:

after associating a MID with a registering merchant, using said MID to look up the merchant in a MID database;

comparing information about the merchant in the MID database to information entered by the merchant in the merchant interface during registration; and

in response to identifying a disparity between the information in the MID database and the information entered by the merchant during registration, updating the MID database to match the information entered by the merchant during registration.

18. The one or more non-transitory computer-readable media of claim 11, wherein the request for approval of a purchase transaction also indicates whether or not the merchant accepts split-tender transactions and wherein the method further comprises:

in response to the request indicating that the merchant associated with the request does not accept split-tender transactions, notifying the merchant that the merchant is not currently configured to accept split-tender transactions.