Back to results
US 9,792,610 B2Granted
Non-payment communications using payment transaction network
AssigneeMastercard International Incorporated
InventorsKenny Unser, Kent Olof Niklas Berntsson, Jean-Pierre Gerard
Life of this patent
Estimating the term…
Abstract
A communication channel is provided between a transaction acquirer and a payment network, for the purpose of transmitting payment card account transaction authorization requests. Via the communication channel the payment network may receive a message containing additional information. The additional information may originate at the point of sale and may be in addition to a PAN (primary account number) or the like. The payment network may send a message including the additional information to an entity that is neither a payment account issuer nor the transaction acquirer.
Claims18
A method comprising:
- providing a communication channel between a transaction acquirer and a payment network, the communication channel for transmitting payment card account transaction authorization requests from the transaction acquirer to the payment network;
- receiving a first message at the payment network via the communication channel, the first message originating from a point of sale (POS) terminal and being relayed to the payment network via the transaction acquirer, the first message including an indicator number that identifies a customer of a transaction at the POS terminal and further including product information of an item included in the transaction;
- identifying, by the payment network, a device associated with a warranty provider of the item based on data within the first message and transmitting a second message from the payment network to the identified device associated with the warranty provider, the second message including the product information of the item obtained during the transaction at the POS terminal;
- receiving a third message at the payment network from the device associated with the warranty provider, the third message comprising a query for the customer;
- and
- transmitting a fourth message from the payment network to the transaction acquirer via the communication channel, the fourth message containing the query for the customer of the transaction to be displayed at the POS terminal.
3 more elements
A method comprising:
- receiving a first message in a payment network, said first message being a first authorization request message, the first authorization request message initiated as part of a purchase transaction for a product, the first authorization request message including (a) an indicator number that represents a payment card account to be used for the purchase transaction;
- and (b) product information that identifies the product subject to the purchase transaction;
- transmitting a second message from the payment network to an issuer of the payment card account, said second message being a second authorization request message;
- and
- identifying, by the payment network, a device associated with a warranty provider of the product included in the purchase transaction based on data within the first message and transmitting a third message from the payment network to the identified device associated with the warranty provider, the third message including the product information of the product obtained during the purchase transaction.
2 more elements
A method comprising:
- providing a communication channel between a transaction acquirer and a payment network, the communication channel for transmitting payment card account transaction authorization requests from the transaction acquirer to the payment network;
- receiving a first message at the payment network via the communication channel, the first message originating from a point of sale (POS) terminal and being relayed to the payment network via the transaction acquirer, the first message including an indicator number that identifies a customer of a transaction at the POS terminal and further including product information of an item included in the transaction;
- identifying a first device and a second device associated with at least one warranty provider of the item based on data within the first message;
- transmitting a second message from the payment network to the first identified device associated with the at least one warranty provider, the second message including the product information of the item obtained during the transaction at the POS terminal;
- and
- transmitting a third message from the payment network to the second identified device associated with the at least one warranty provider, the third message including the product information of the item obtained during the transaction at the POS terminal.
3 more elements
Dependencies are inferred from the claim text.