Secure electronic transaction authorization on tokenized identifiers and location data
AssigneeWorldpay, LLC
InventorsJacob Matthew Sterling, Brent Alan Badger
Life of this patent
Estimating the term…
Abstract
Systems and methods for applying a promotion to a payment transaction originating at a point of sale system of a merchant are described. Transactional information is provided to an acquirer computing system of the merchant. Based on identifying indicia associated with the transactional information, the acquirer computing system determines whether to modify the payment transaction messaging before communicating it along to an issuer computing system.
Claims20
An electronic transaction modification method, the method comprising:
- receiving, by an acquirer computing system via a user interface, parameters to initiate an electronic transaction;
- receiving, by the acquirer computing system, transaction data from an issuer computing system based on the parameters;
- based on the parameters and the transaction data, generating, by the acquirer computing system, at least one of:
- a first segment definition based on a tokenized account identifier of a merchant;
- and
- a second segment definition based on a tokenized account identifier of at least one customer;
- receiving, by the acquirer computing system, a transaction modification query from one or more point of sale systems;
- and
- determining, by the acquirer computing system, whether a transaction modification is applicable to the electronic transaction based on the transaction modification query and at least one of the first segment definition and the second segment definition.
A system, comprising:
- one or more computer readable media storing instructions for executing an electronic transaction modification;
- and
- one or more processors configured to execute the instructions to perform operations comprising:
- receiving, by an acquirer computing system via a user interface, parameters to initiate an electronic transaction;
- receiving, by the acquirer computing system, transaction data from an issuer computing system based on the parameters;
- based on the parameters and the transaction data, generating, by the acquirer computing system, at least one of:
- a first segment definition based on a tokenized account identifier of a merchant;
- and
- a second segment definition based on a tokenized account identifier of at least one customer;
- receiving, by the acquirer computing system, a transaction modification query from one or more point of sale systems;
- and
- determining, by the acquirer computing system, whether a transaction modification is applicable to the electronic transaction based on the transaction modification query and at least one of the first segment definition and the second segment definition.
A non-transitory computer-readable medium storing instructions for executing an electronic transaction modification, the instructions, when executed by one or more processors, causing the one or more processors to perform operations comprising:
- receiving, by an acquirer computing system via a user interface, parameters to initiate an electronic transaction;
- receiving, by the acquirer computing system, transaction data from an issuer computing system based on the parameters;
- based on the parameters and the transaction data, generating, by the acquirer computing system, at least one of:
- a first segment definition based on a tokenized account identifier of a merchant;
- and
- a second segment definition based on a tokenized account identifier of at least one customer;
- receiving, by the acquirer computing system, a transaction modification query from one or more point of sale systems;
- and
- determining, by the acquirer computing system, whether a transaction modification is applicable to the electronic transaction based on the transaction modification query and at least one of the first segment definition and the second segment definition.
Dependencies are inferred from the claim text.