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US 2020/0402037 A1Published application
Split message initiated payment system, method and apparatus
AssigneeMastercard International Incorporated
InventorsJason Jay Lacoss-Arnold, Joan L. Rohlfing
Life of this patent
Estimating the term…
Abstract
A system, method, and computer-readable storage medium configured to split a payment card transaction into separate channels with a merchant bill message and cardholder payment message.
Claims20
A point-of-sale terminal, comprising:
- a visual presenter selected from the group consisting of:
- (i) a display, and (ii) a printer;
- a network interface;
- a processor;
- and
- non-transitory computer-readable storage media having computer-executable instructions thereon, wherein when executed by the processor the computer-executable instructions cause the processor to:
- generate a bill for a purchase transaction;
- generate a purchase transaction code based at least in part on the bill for the purchase transaction;
- visually present a representation of the purchase transaction code on the visual presenter;
- transmit a merchant bill message to a payment network via the network interface, the merchant bill message containing the purchase transaction code and not containing customer payment information;
- receive a transaction approval or decline message via the network interface in response to the merchant bill message;
- visually present a transaction approval or decline representation based on the transaction approval or decline message;
- and
- generate a receipt including the bill for the purchase transaction,
- whereby the merchant bill message is transmitted to the payment network—
- separately from customer payment information transmitted to the payment network by a customer payment device,
- for matching by the payment network to the customer payment information using the purchase transaction code.
14 more elements
A computer-implemented method for secure transaction processing, comprising performing the following at a point-of-sale terminal:
- generating a bill for a purchase transaction;
- generating a purchase transaction code based at least in part on the bill for the purchase transaction;
- visually presenting a representation of the purchase transaction code on a visual presenter selected from the group consisting of:
- (i) a display, and (ii) a printer;
- transmitting a merchant bill message to a payment network, the merchant bill message containing the purchase transaction code and not containing customer payment information;
- receiving a transaction approval or decline message from the payment network;
- visually presenting a transaction approval or decline representation based on the transaction approval or decline message;
- and
- generating a receipt including the bill for the purchase transaction,
- whereby the merchant bill message is transmitted to the payment network—
- separately from customer payment information transmitted to the payment network by a customer payment device,
- for matching by the payment network to the customer payment information using the purchase transaction code.
9 more elements
A system for secure transaction processing, the secure transaction processing system comprising one or more processors individually or collectively programmed to:
- generate a bill for a purchase transaction;
- generate a purchase transaction code based at least in part on the bill for the purchase transaction;
- visually present a representation of the purchase transaction code to a customer via a visual presenter selected from the group consisting of:
- (i) a display, and (ii) a printer;
- transmit a merchant bill message to a payment network via a network interface, the merchant bill message containing the purchase transaction code and not containing customer payment information;
- receive a transaction approval or decline message in response to the merchant bill message via the network interface;
- visually present a transaction approval or decline representation based on the transaction approval or decline message;
- and
- generate a receipt including the bill for the purchase transaction,
- whereby the merchant bill message is transmitted to the payment network—
- separately from customer payment information transmitted to the payment network by a customer payment device,
- for matching by the payment network to the customer payment information using the purchase transaction code.
9 more elements
Dependencies are inferred from the claim text.