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US 11,308,491 B2Granted
System, method, and apparatus for personalizing transactions
AssigneeVisa International Service Association
InventorVincent Travis Cluxton
Life of this patent
Estimating the term…
Abstract
Described herein are systems, methods, and apparatuses for personalizing transactions. The systems, methods, and apparatuses may include an acceptance device receiving an account credential, generating a transaction request message, transmitting the transaction request message, and receiving an authorization response message comprising a multimedia object associated with the account credential. The acceptance device may output the multimedia object.
Claims17
A method for personalizing a transaction, comprising:
- receiving, by a merchant acceptance device comprising a point-of-sale (POS) system or a merchant server in communication with a payment network, an account credential;
- generating, by the merchant acceptance device, a transaction request message comprising at least the account credential;
- transmitting, by the merchant acceptance device, the transaction request message to the payment network;
- transmitting, by the payment network to an issuer system, an authorization request message based on at least the account credential;
- receiving, by the payment network from the issuer system, an authorization response message;
- modifying, by the payment network, the authorization response message by injecting a multimedia object associated with the account credential into the authorization response message received from the issuer system;
- receiving, by the merchant acceptance device from the payment network, the authorization response message comprising an indication of whether the transaction was approved or declined and the multimedia object associated with the account credential;
- extracting, by the merchant acceptance device, the multimedia object from the authorization response message;
- and
- outputting, by the merchant acceptance device, the multimedia object by at least one of the following:
- audibly playing the multimedia object on a speaker, visually displaying the multimedia object on a display screen, or any combination thereof.
8 more elements
A method for personalizing a transaction, comprising:
- receiving, by a payment network, a transaction request message comprising at least an account credential;
- retrieving, by the payment network, a multimedia object associated with the account credential;
- modifying, by the payment network, an authorization response message by injecting the multimedia object associated with the account credential into the authorization response message received from an issuer system;
- transmitting, by the payment network, the authorization response message to an output device;
- receiving, by the output device, the authorization response message;
- extracting, by the output device, the multimedia object from an issuer-generated authorization response message;
- and
- outputting, by the output device, the multimedia object by at least one of the following:
- audibly playing the multimedia object on a speaker, visually displaying the multimedia object on a display screen, or any combination thereof.
6 more elements
A system for personalizing a transaction, comprising:
- a merchant acceptance device comprising a point-of-sale (POS) system or a merchant server in communication with a payment network;
- and
- at least one server associated with the payment network, the at least one server configured to:
- receive a transaction request message comprising at least an account credential;
- retrieve a multimedia object based on the account credential;
- modify an authorization response message by injecting the multimedia object associated with the account credential into the authorization response message;
- and
- transmit the authorization response message;
- wherein the merchant acceptance device is configured to:
- receive the account credential;
- generate the transaction request message;
- transmit the transaction request message to the at least one server;
- receive the authorization response message from the at least one server;
- extract the multimedia object from the authorization response message;
- and
- output the multimedia object by at least one of the following:
- audibly playing the multimedia object on a speaker, visually displaying the multimedia object on a display screen, or any combination thereof.
14 more elements
Dependencies are inferred from the claim text.