# US 10,504,085 B2 · Identifying transactions at self-checkout terminals

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- Number: US 10,504,085 B2
- Document ID: US10504085B2
- Status: Granted
- Kind: B2
- Application number: 15/138,763
- Filed: 2016-04-26
- Published: 2017-10-26
- Granted: 2019-12-10
- Earliest claimed: 2016-04-26
- Assignees: Mastercard International Incorporated
- Applicants: MasterCard International Incorporated
- Inventors: Gregory S Phillips; Claire Le Gal
- Web page: https://patentgrep.com/patent/US10504085B2

## CPC

- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 20/18: involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
- G06Q 20/4012: {Verifying personal identification numbers [PIN]}
- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- G06Q 20/409: {Device specific authentication in transaction processing}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

A method and system include identifying, at a merchant device, a purchase transaction at a self-checkout terminal, wherein the purchase transaction is via a payment card product; generating a self-checkout terminal indicator; receiving, by a computer from the merchant device, a payment authorization request for the purchase transaction, wherein the payment authorization request comprises payment data and the self-checkout terminal indicator; and transmitting information associated with the self-checkout terminal indicator to an issuer. Numerous other aspects are provided.

## Claims

### Claim 1

A method comprising:
identifying, at a merchant device, a purchase transaction at a self-checkout terminal, wherein the purchase transaction is via a payment card product;
generating a self-checkout indicator;
generating a fraud score based on the self-checkout indicator;
receiving, by a computer from the merchant device, a payment authorization request record for the purchase transaction, wherein the payment authorization request record comprises payment data and the self-checkout indicator; and
transmitting information associated with the self-checkout indicator to an issuer.

### Claim 2 (depends on 1)

The method of claim 1, wherein the self-checkout terminal is a cardholder activated terminal (CAT) that is one of unattended or semi-attended.

### Claim 3 (depends on 2)

The method of claim 2, wherein the self-checkout indicator further comprises an indication the CAT is one of unattended or semi-attended.

### Claim 4 (depends on 1)

The method of claim 1, further comprising:
processing the purchase transaction at the self-checkout terminal without direct interaction with an attendant.

### Claim 5 (depends on 1)

The method of claim 1, further comprising:
identifying the self-checkout terminal as dual-capable cardholder activated terminal.

### Claim 6 (depends on 5)

The method of claim 5, further comprising:
receiving one of a personal identification number (PIN) and a signature at the dual-capable cardholder activated terminal as a cardholder verification method.

### Claim 7 (depends on 6)

The method of claim 6, wherein the self-checkout indicator further comprises an indication that the cardholder verification method is the PIN or the signature.

### Claim 8 (depends on 1)

The method of claim 1, further comprising:
generating a payment authorization request record at an acquirer.

### Claim 9 (depends on 8)

The method of claim 8, further comprising:
generating an authorization response record indicating the payment transaction is one of approved or declined.

### Claim 10 (depends on 9)

The method of claim 9, further comprising:
transmitting the authorization response record to the merchant device.

### Claim 11

A method comprising:
identifying, at a merchant device, a purchase transaction at a self-checkout terminal, wherein the purchase transaction is via a payment card product;
generating a self-checkout indicator;
receiving, by a computer from the merchant device, a payment authorization request record for the purchase transaction, wherein the payment authorization request record comprises payment data and the self-checkout indicator;
transmitting information associated with the self-checkout indicator to an issuer;
generator a payment authorization request record at an acquirer;
generating an authorization response record indicating the payment transaction is one of approved or declined; and
in response to an authorization response record indicating the payment transaction is approved, executing a clearing transaction, by the merchant device, wherein the self-checkout indicator is stored in a clearing record associated with the clearing transaction.

### Claim 12 (depends on 11)

The method of claim 11, wherein the stored self-checkout indicator is stored in one of an existing shared field of the clearing record and a new field of the clearing record.

### Claim 13 (depends on 11)

The method of claim 11, wherein the clearing transaction is initiated subsequent completion of the purchase transaction.

### Claim 14

A system comprising:
a communication device operative to communicate with a merchant device to obtain a request for authorization to use a payment card product for a purchase transaction;
a self-checkout terminal processor;
a memory in communication with the self-checkout terminal processor and storing program instructions, the self-checkout terminal processor operative with the program instructions to perform functions as follows:
identifying, at a merchant device, a purchase transaction at a self-checkout terminal, wherein the purchase transaction is via a payment card product;
generating a self-checkout indicator;
receiving, by a computer from the merchant device, a payment authorization request record for the purchase transaction, wherein the payment authorization request record comprises payment data and the self-checkout indicator; and
transmitting information associated with the self-checkout indicator to an issuer; and
a fraud model processor operative to analyze the self-checkout indicator for fraud prevention purposes.

### Claim 15 (depends on 14)

The system of claim 14, wherein the self-checkout terminal is a cardholder activated terminal (CAT) that is one of attended or semi-attended.

### Claim 16 (depends on 15)

The system claim 15, wherein the self-checkout indicator further comprises an indication the CAT is one of attended or semi-attended.

### Claim 17 (depends on 14)

The system of claim 14, wherein the self-checkout terminal allows a cardholder to process the purchase transaction without direct interaction with an attendant.

### Claim 18 (depends on 14)

The system of claim 14, wherein:
the self-checkout terminal is a dual-capable cardholder activated terminal.

### Claim 19

A system comprising:
a communication device operative to communicate with a merchant device to obtain a request for authorization to use a payment card product for a purchase transaction;
a self-checkout terminal processor; and
a memory in communication with the self-checkout terminal processor and storing program instructions, the self-checkout terminal processor operative with the program instructions to perform functions as follows:
identifying, at a merchant device, a purchase transaction at a self-checkout terminal, wherein the purchase transaction is via a payment card product;
generating a self-checkout indicator, wherein the self-checkout indicator is stored in a clearing record associated with a clearing transaction;
receiving, by a computer from the merchant device, a payment authorization request record for the purchase transaction, wherein the payment authorization request record comprises payment data and the self-checkout indicator; and
transmitting information associated with the self-checkout indicator to an issuer.