US 2023/0141804 A1Published application

Payment integrated loyalty system

AssigneePaystone, Inc.

InventorsTarique AL-ANSARI, Majid ABU DAIA, Peter Gerard Nicholas SCHEYEN

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Abstract

A payment integrated loyalty system including a point of sale terminal comprising a card reader, a communication subsystem configured to wirelessly communicate with a payment instrument, and configured to communicate over a network with at least a first and second server. The payment integrated loyalty system includes a processor in communication with the communication subsystem and card reader, configured to receive, through the communication subsystem, a payment instrument identifier associated with the payment instrument, and obtain a fingerprint based on one-way encrypting the payment instrument identifier. The processor is further configured to receive, from the first server via the communication subsystem, a loyalty balance associated with the fingerprint and to complete the financial transaction based on an updated amount based on the loyalty balance.

Claims25

Dependent claims

A system comprising:

a point of sale terminal comprising:
a card reader;
a communication subsystem configured to communicate with a payment instrument, and configured to communicate over a network with at least a first server which is a loyalty server, and a plurality of different payment processing servers including a second server which is a payment processing server;
at least one processor in communication with the communication subsystem and card reader, configured to execute a loyalty agent for communicating with the first server, and a payment agent for communicating with the second server;
wherein the payment agent is configured to:
receive, via the card reader, a payment instrument identifier associated with the payment instrument;
receive an amount of a financial transaction;
obtain a fingerprint based on one-way encrypting the payment instrument identifier;
transmit, to the loyalty agent, the fingerprint without transmitting the payment instrument identifier;
wherein the loyalty agent is configured to:
transmit, to the first server via the communication subsystem, the fingerprint without transmitting the payment instrument identifier, wherein the first server obtains a loyalty system account identifier associated with the fingerprint;
receive, from the first server via the communication subsystem, a loyalty balance associated with the fingerprint without the loyalty system account identifier;
wherein the payment agent is configured to:
transmit, to the second server via the communication subsystem, the payment identifier and a payment authorization request for authorization of the amount of the financial transaction;
receive, from the second server, a response to the payment authorization request that the amount of the financial transaction has been authorized for the payment instrument identifier;
transmit, to the loyalty agent, data representative of the amount of the financial transaction;
wherein the loyalty agent is configured to:
transmit, to the first server, the data representative of the amount of the financial transaction;
and
wherein the payment instrument identifier and the loyalty system account identifier is unknown to the loyalty agent.

17 more elements

A method pursuant to a financial transaction, the method comprising:

from a point of sale terminal configured to communicate over a network with at least a first server which is a loyalty server, and a plurality of different payment processing servers including a second server which is a payment processing server, and configured to execute a loyalty agent for communicating with the first server, and a payment agent for communicating with the second server:
from the payment agent:
receiving a payment instrument identifier associated with a payment instrument;
receiving an amount of the financial transaction;
obtaining a fingerprint based on one-way encrypting the payment instrument identifier;
transmitting, to the loyalty agent, the fingerprint without transmitting the payment instrument identifier;
from the loyalty agent:
transmitting, to the first server, the fingerprint without transmitting the payment instrument identifier, wherein the first server obtains a loyalty system account identifier associated with the fingerprint;
receiving, from the first server, a loyalty balance associated with the fingerprint without the loyalty system account identifier;
from the payment agent:
transmitting, to the second server, the payment identifier and a payment authorization request for authorization of the amount of the financial transaction;
receiving, from the second server, a response to the payment authorization request that the amount of the financial transaction has been authorized for the payment instrument identifier;
transmitting, to the loyalty agent, data representative of the amount of the financial transaction;
and
from the loyalty agent:
transmitting, to the first server, the data representative of the amount of the financial transaction;
wherein the payment instrument identifier and the loyalty system account identifier is unknown to the loyalty agent.

14 more elements

A non-transitory processor readable memory containing instructions which, when executed by at least one processor of a point of sale terminal configured to communicate over a network with at least a first server which is a loyalty server, and a plurality of different payment processing servers including a second server which is a payment processing server, and configured to execute a loyalty agent for communicating with the first server, and a payment agent for communicating with the second server, cause at least one processor to perform a method, the instructions comprising:

from the payment agent:
instructions for receiving a payment instrument identifier associated with a payment instrument;
instructions for receiving an amount of the financial transaction;
instructions for obtaining a fingerprint based on one-way encrypting the payment instrument identifier;
instructions for transmitting, to the loyalty agent, the fingerprint without transmitting the payment instrument identifier;
from the loyalty agent:
instructions for transmitting, to the first server, the fingerprint without transmitting the payment instrument identifier, wherein the first server obtains a loyalty system account identifier associated with the fingerprint;
instructions for receiving, from the first server, a loyalty balance associated with the fingerprint without the loyalty system account identifier;
from the payment agent:
instructions for transmitting, to the second server, the payment identifier and a payment authorization request for authorization of the amount of the financial transaction;
instructions for receiving, from the second server, a response to the payment authorization request that the amount of the financial transaction has been authorized for the payment instrument identifier;
instructions for transmitting, to the loyalty agent, data representative of the amount of the financial transaction;
and
from the loyalty agent:
instructions for transmitting, to the first server, the data representative of the amount of the financial transaction;
wherein the payment instrument identifier and the loyalty system account identifier is unknown to the loyalty agent.

13 more elements

Dependencies are inferred from the claim text.

Facts

Application: 18/148,803Filed 30 Dec 2022
Priority: 22 Jan 2020
Published: 11 May 2023
Term ends: Not estimatedThe source records don’t support an estimate.

Classification11 codes

G06Q 20/3827
Insuring higher security of transaction: use of message hashing
G06Q 20/40145
Identity check for transactions: biometric identity checks
G06Q 20/204
Point-of-sale [POS] network systems: comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
G06Q 20/3821
Insuring higher security of transaction: electronic credentials

Family

Application16/749,479Continuation · filed 22 Jan 2020
Application18/148,803Continuation
US 11,580,537 B2Related patent
US 12,073,392 B2Related patent
US 2021/0224808 A1Published application
US 2023/0141804 A1This patent

From the US filing history. Foreign family members aren’t listed.