US 8,527,474 B2Granted

Acquirer device and method for support of merchant data processing

AssigneeVisa U.S.A. Inc.

InventorLinda R. Hardy-McGee

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Abstract

A method begins with receiving an indication that one of a plurality of merchant data files includes an inconsistency with respect to a corresponding merchant profile record in a merchant profile database. The merchant data file of the plurality of merchant data files includes merchant name, merchant business address, and merchant business information. The method continues with receiving a request to authenticate the updating of the corresponding merchant profile record when the inconsistency for the one of the plurality of merchant data files is addressed by a merchant device updating the corresponding merchant profile record. The merchant device corresponds to a merchant of the one of the plurality of merchant data files. The method continues with providing an authentication response regarding the updating of the corresponding merchant profile record.

Claims26

Dependent claims

A method performed by a computer in communication with a payment processing network, wherein the method comprises:

receiving, by the computer in communication with the payment processing network, an indication that one of a plurality of merchant data files, controlled by an acquirer in communication with the payment processing network, includes an inconsistency with respect to a corresponding merchant profile record in a merchant profile database, the merchant profile database controlled by a financial transactions processing module of the payment processing network, wherein a merchant data file of the plurality of merchant data files include merchant name, merchant business address, and merchant business information;
receiving a request to authenticate the updating of the corresponding merchant profile record when the inconsistency for the one of the plurality of merchant data files is addressed by a merchant device updating the corresponding merchant profile record, wherein the merchant device corresponds to a merchant of the one of the plurality of merchant data files;
providing an authentication response regarding the updating of the corresponding merchant profile record;
receiving a suggested resolution for the inconsistency;
when the inconsistency for the one of the plurality of merchant data files is resolved by the merchant device, authenticating the resolution of the inconsistency with respect to the suggested resolution;
and
when the inconsistency for the one of the plurality of merchant data files is not resolved by the merchant device, resolving the inconsistency in accordance with the suggested resolution.

4 more elements

A method performed by a computer in a payment processing network comprises:

receiving, by the payment processing network, a request to update a merchant profile record from a merchant device, wherein the merchant profile record is stored within a merchant profile database controlled by a financial transactions processing device of the payment processing network;
authenticating the request;
when the request is authenticated, providing the merchant device with access to a merchant web site associated with the financial transactions processing device;
receiving a request to verify an updated version of the merchant profile record;
when the updated version of the merchant profile record is verified, authenticating the updated version of the merchant profile record;
receiving a suggested updated version of the merchant profile record;
comparing the suggested updated version with the updated version of the merchant profile record;
and
when the comparison of the suggested updated version with the updated version of the merchant profile record is favorable, indicating that the updated version of the merchant profile record has been verified.

6 more elements

An apparatus comprises:

an interface;
memory;
and
a processing module coupled to the interface and the memory, wherein the processing module is associated with a payment processing network and is configured to:
receive, via the interface, an indication that one of a plurality of merchant data files, controlled by an acquirer in communication with the payment processing network, includes an inconsistency with respect to a corresponding merchant profile record in a merchant profile database, the merchant profile database controlled by a financial transactions processing module of a payment processing network, wherein a merchant data file of a plurality of merchant data files include a merchant name, a merchant business address, and merchant business information;
receive, via the interface, a request to authenticate the updating of the corresponding merchant profile record when the inconsistency for the one of the plurality of merchant data files is addressed by a merchant device updating the corresponding merchant profile record, wherein the merchant device corresponds to a merchant of the one of the plurality of merchant data files;
provide an authentication response regarding the updating of the corresponding merchant profile record;
and
receive, via the interface, a suggested resolution for the inconsistency;
when the inconsistency for the one of the plurality of merchant data files is resolved by the merchant device, authenticate the resolution of the inconsistency with respect to the suggested resolution;
and
when the inconsistency for the one of the plurality of merchant data files is not resolved by the merchant device, resolve the inconsistency in accordance with the suggested resolution.

9 more elements

An apparatus comprises:

an interface;
memory;
and
a processing module coupled to the interface and the memory, wherein the processing module is controlled by a payment processing network and is configured to:
receive, via the interface, a request to update a merchant profile record from a merchant device, wherein the merchant profile record is stored within a merchant profile database controlled by a financial transactions processing device of the payment processing network;
authenticate the request;
when the request is authenticated, provide, via the interface, the merchant device with access to a merchant web site associated with the financial transactions processing device;
receive, via the interface, a request to verify an updated version of the merchant profile record;
when the updated version of the merchant profile record is verified, authenticate the updated version of the merchant profile record;
receive, via the interface, a suggested updated version of the merchant profile record;
compare the suggested updated version with the updated version of the merchant profile record;
and
when the comparison of the suggested updated version with the updated version of the merchant profile record is favorable, indicate that the updated version of the merchant profile record has been verified.

10 more elements

Dependencies are inferred from the claim text.

Facts

Application: 12/547,887Filed 26 Aug 2009 · us provisional application
Priority: 28 Aug 2008
Published: US 2010/0057786 A14 Mar 2010
Granted: 3 Sep 2013
Term ends: Not estimatedThe source records don’t support an estimate.

Classification3 codes

G06Q 10/06
Administration; Management: resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation…
G06Q 10/0637
Operations research, analysis or management: strategic management or analysis, e.g. setting a goal or target of an organisation; Planning actions…
G06Q
Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial