# US 11,308,491 B2 · System, method, and apparatus for personalizing transactions

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- Number: US 11,308,491 B2
- Document ID: US11308491B2
- Status: Granted
- Kind: B2
- Application number: 16/445,892
- Filed: 2019-06-19
- Published: 2020-12-24
- Granted: 2022-04-19
- Earliest claimed: 2019-06-19
- Assignees: Visa International Service Association
- Applicants: Visa International Service Association
- Inventors: Vincent Travis Cluxton
- Web page: https://patentgrep.com/patent/US11308491B2

## CPC

- 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
- G06Q 10/107: Computer-aided management of electronic mailing [e-mailing]
- G06Q 20/386: {using messaging services or messaging apps (using mobile network messaging services for payment, e.g. SMS G06Q20/3255)}
- G06Q 30/0241: Advertisements
- 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

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.

## Claims

### Claim 1

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.

### Claim 2 (depends on 1)

The method of claim 1, wherein the transaction request message and the authorization response message are formatted according to a standardized message format.

### Claim 3 (depends on 2)

The method of claim 2, wherein the multimedia object comprises a uniform resource identifier.

### Claim 4 (depends on 3)

The method of claim 3 further comprising, downloading, by the merchant acceptance device, the multimedia object using at least the uniform resource identifier.

### Claim 5 (depends on 1)

The method of claim 1, wherein the step of receiving, by the merchant acceptance device, the account credential, comprises retrieving, from a memory, the account credential.

### Claim 6

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.

### Claim 7 (depends on 6)

The method of claim 6, wherein the authorization response message is formatted according to a standardized message format.

### Claim 8 (depends on 6)

The method of claim 6, wherein the transaction request message further comprises a request to associate the multimedia object with the account credential.

### Claim 9 (depends on 6)

The method of claim 6, wherein the output device is associated with the account credential.

### Claim 10 (depends on 6)

The method of claim 6 further comprising, receiving, by the payment network, an indication of whether the output device is capable of outputting the multimedia object.

### Claim 11 (depends on 6)

The method of claim 6 further comprising:
receiving, by the payment network, a selection of the multimedia object; and
storing, by the payment network, an association between the multimedia object and the account credential.

### Claim 12

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.

### Claim 13 (depends on 12)

The system of claim 12, wherein at least one of the transaction request message, the authorization response message, or any combination thereof, is formatted according to a standardized message format.

### Claim 14 (depends on 12)

The system of claim 12, wherein the multimedia object comprises a uniform resource identifier.

### Claim 15 (depends on 14)

The system of claim 14, wherein the merchant acceptance device is further configured to download the multimedia object using at least the uniform resource identifier.

### Claim 16 (depends on 15)

The system of claim 15, wherein the at least one server is further configured to:
receive a selection of the multimedia object; and
store an association between the multimedia object and the account credential.

### Claim 17 (depends on 12)

The system of claim 12, wherein the transaction request message further comprises an indication of whether the merchant acceptance device is capable of outputting the multimedia object.