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US 9,852,410 B1Granted
Dynamically configuring verification information at point-of-sale devices
AssigneeSquare, Inc.
InventorsGrace Huey Chen, Tanya Khakbaz
Life of this patent
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Abstract
Techniques and arrangements for dynamically modifying an order of a cardholder verification method (CVM) implemented at a point-of-sale (POS) device. In some instances, the techniques instruct a POS device to determine a card network or other attributed associated with a received payment instrument and determine, based on this information, whether to implement a default order of a CVM or whether to modify the order of the CVM such that the POS device requests different verification information than if the POS device did not modify the order of the CVM.
Claims21
One or more non-transitory computer-readable media storing computer-executable instructions that, when executed on one or more processors, cause the one or more processors to perform acts comprising:
- receiving, via a card reader, a request to authorize a payment instrument at a point-of-sale (POS) device, the POS device programmed to implement a cardholder verification method (CVM) that specifies an order of verification information to request for verifying payment instruments;
- determining, by the POS device, a card network associated with the payment instrument;
- receiving, from a computing device associated with the card network, an indication that the card network is unable to process first verification information specified by the order of verification information;
- responsive to receiving the indication from the computing device associated with the card network, dynamically modifying the order of the verification information specified by the CVM;
- and
- requesting, via a user interface on the POS device, second verification information from a user associated with the payment instrument at least partly in response to determining to modify the order specified by the CVM.
3 more elements
An apparatus comprising:
- a reader to receive a payment instrument for satisfying a cost of a transaction;
- one or more processors;
- and
- one or more computer-readable media storing computer-executable instructions that, when executed by the one or more processors, cause the one or more processors to:
- determine a card network associated with the payment instrument received by the reader;
- receive, from a computing device associated with the card network, an indication that the card network is unable to receive first verification information, wherein the first verification information is a first type of verification information of a cardholder verification method (CVM) that specifies an order of verification information to request from a user of the payment instrument;
- responsive to receiving the indication from the computing device associated with the card network, dynamically reconfigure the order of verification information to request from the user based at least in part on the indication;
- and
- request second verification information from the user of the payment instrument according to the order.
6 more elements
A method implemented at least in part by a point-of-sale (POS) device, the method comprising:
- receiving, via card reader, a request to authorize a payment instrument at the POS device, the POS device programmed to implement a cardholder verification method (CVM) that specifies an order of verification information to request for verifying payment instruments;
- determining a card network associated with the payment instrument;
- receiving, from a computing device associated with the card network, an indication that the network is unable to process first verification information of the order of verification information;
- responsive to receiving the indication from the computing device associated with the card network, dynamically modifying the order of the verification information specified by the CVM;
- and
- requesting, via a user interface on the POS device, second verification information from a user associated with the payment instrument at least partly in response to determining to modify the order specified by the CVM.
3 more elements
A system comprising:
- a processor;
- a memory storing computer-executable instructions that, when executed by the processor, cause the processor to:
- receive, via card reader, a request to authorize a payment instrument at a point-of-sale (POS) device, the POS device programmed to implement a cardholder verification method (CVM) that specifies an order of verification information to request for verifying payment instruments;
- determine a card network associated with the payment instrument;
- receive, from a computing device associated with the card network, an indication that the card network is unable to process first verification information of the order of verification information;
- responsive to receiving the indication from the computing device associated with the card network, dynamically modify the order of verification information specified by the CVM;
- and
- request, via the user interface on the POS device, second verification information from a user associated with the payment instrument at least partly in response to determining to modify the order specified by the CVM.
5 more elements
Dependencies are inferred from the claim text.