Tokenization and third-party interaction

• US 9,741,051 B2
• Filed: 01/02/2014
• Issued: 08/22/2017
• Est. Priority Date: 01/02/2013
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Carpenter, Andrew, Powell, Glenn, Stan, Patrick, Hagey, Ryan, Mori, Michael, Cracknell, Steve, Carlson, Mark, Basu, Gourab
• Primary Examiner(s): Sittner, Matthew T
• Application Number:
  US14/146,655
• Publication Number:
  US 20140188586A1
• Time in Patent Office: 1,328 Days
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions

Abstract

Processing of a transaction involving one or more third-parties and offers is described. Certain embodiments allow for suspending a received authorization request message which includes a transaction amount and a token mapped to a primary account number. One or more third-parties may be queried for an offer or discount eligible towards the transaction. The authorization request message may be adjusted to reflect one or more eligible offers from the one or more third-parties. The authorization request message may also be adjusted to replace the token with the mapped PAN. The authorization request message may then be sent to an issuer for further processing.

Claims

1. A method for facilitating a transaction, the method comprising:

receiving, at a server computer from an access device of a merchant, via a first communication channel, an authorization request message comprising at least a temporary credential and a first amount;

replacing, by the server computer, the temporary credential with a primary account number associated with the temporary credential;

suspending, by the server computer, transmission of the authorization request message to an issuer for a predetermined time period;

determining, by the server computer, a discount associated with the transaction;

replacing, by the server computer, the first amount with a second amount, wherein the second amount is the first amount minus the discount; and

transmitting, by the server computer, the authorization request message comprising the second amount and the primary account number to the issuer for further processing.

2. The method of claim 1 wherein the determining step further comprises:

establishing, by the server computer, a second communication channel between the server computer and a third-party; and

receiving, at the server computer, the discount associated with the transaction from the third-party.

3. The method of claim 2 wherein the second communication channel uses a different data transmission protocol than the first communication channel.

4. The method of claim 1 wherein the determining step further comprises:

establishing, by the server computer, a second communication channel between the server computer and a first third-party and a third communication channel between the server computer and a second third-party;

receiving, at the server computer, a first discount associated with the transaction from the first third-party and a second discount associated with the transaction from the second third-party; and

determining, by the server computer, a larger discount between the first discount and the second discount.

5. The method of claim 1 wherein the determining step further comprises:

establishing, by the server computer, a second communication channel between the server computer and a first third-party and a third communication channel between the server computer and a second third-party;

receiving, at the server computer, a first discount associated with the transaction from the first third-party and a second discount associated with the transaction from the second third-party; and

combining, by the server computer, the first discount and the second discount.

6. The method of claim 1 wherein the determining step further comprises accessing, by the server computer, a database comprising one or more discounts, wherein the one or more discounts are associated with one or more third-parties.

7. The method of claim 1 wherein the server computer is programmed to transmit a different authorization request message comprising the first amount and the primary account number to the issuer for further processing if the discount is not determined within the predetermined time period.

8. The method of claim 1 wherein the predetermined time is determined within 200 milliseconds.

9. The method of claim 1 further comprising correlating, by the server computer, an identifier received from a third-party to an identification system used by the server computer.

10. The method of claim 1 wherein the authorization request message includes an indicator indicating that the second amount is an adjusted amount of the first amount.

11. The method of claim 1, wherein the authorization request message is an ISO 8583 message.

12. The method of claim 1, further comprising:

receiving an authorization response message from the issuer; and

forwarding the authorization response message to the access device.

13. A server computer, comprising:

a processor; and

a non-transitory computer-readable storage medium, comprising code executable by the processor for implementing a method for authenticating a user for a transaction, the method comprising;

receiving, from an access device, via a first communication channel, an authorization request message comprising at least a temporary credential and a first amount;

replacing the temporary credential with a primary account number associated with the temporary credential;

suspending transmission of the authorization request message to an issuer for a predetermined time period;

determining a discount associated with the transaction;

replacing the first amount with a second amount, wherein the second amount is the first amount minus the discount; and

transmitting the authorization request message comprising the second amount and the primary account number to the issuer for further processing.

14. The server computer of claim 13 wherein the determining step further comprises:

establishing a second communication channel between the server computer and a third-party; and

receiving, at the server computer, the discount associated with the transaction from the third-party.

15. The server computer of claim 14 wherein the second communication channel uses a different data transmission protocol than the first communication channel.

16. The server computer of claim 13 wherein the determining step further comprises:

establishing a second communication channel between the server computer and a first third-party and a third communication channel between the server computer and a second third-party;

receiving a first discount associated with the transaction from the first third-party and a second discount associated with the transaction from the second third-party; and

determining a larger discount between the first discount and the second discount.

17. The server computer of claim 13 wherein the determining step further comprises:

establishing a second communication channel between the server computer and a first third-party and a third communication channel between the server computer and a second third-party;

receiving a first discount associated with the transaction from the first third-party and a second discount associated with the transaction from the second third-party; and

combining, via the server computer, the first discount and the second discount.

18. The server computer of claim 13 wherein the determining step further comprises accessing a database comprising one or more discounts, wherein the one or more discounts are associated with one or more third-parties.

19. The server computer of claim 13, wherein the server computer is programmed to transmit a different authorization request message comprising the first amount and the primary account number to the issuer for further processing if the discount is not determined within the predetermined time period.

20. The server computer of claim 13 wherein the predetermined time period is 200 milliseconds.

21. The server computer of claim 13 wherein the method further comprises correlating an identifier received from a third-party to an identification system used by the server computer.