Partial data object acquisition and processing

Patent metadata

Field	Value
Publication number	US-10402816-B2
Application number	US-201615396609-A
Country	US
Kind code	B2
Filing date	Dec 31, 2016
Priority date	Dec 31, 2016
Publication date	Sep 3, 2019
Grant date	Sep 3, 2019

Abstract

A payment terminal such as a payment reader may receive and form electrical connections with an electronic transaction card such as an EMV chip card. The payment terminal may provide power to the electronic transaction card and initiate communications with the electronic transaction card. One or more records may be acquired from the electronic transaction card. Data objects may be extracted from those records and stored in a cache. Data objects may be needed to process transactions. If the data object is available from the data cache or is otherwise received prior to all records being received, transactions may be processed prior to the acquisition of all records from the electronic transaction card.

First claim

What is claimed is:

1. A method for an EMV card reader to selectively acquire data objects from an electronic payment chip of an EMV card, the method comprising:
establishing a data connection between the EMV card reader and the electronic payment chip, wherein the electronic payment chip is storing a plurality of data records for use by EMV card readers in performing payment transactions;
receiving at the EMV card reader a first portion of the plurality of data records from the electronic payment chip;
storing at least one data object from the first portion of the plurality of data records in a data object cache of the EMV card reader;
requesting, by a first software routine executing on one or more processors of the EMV card reader, one or more desired data objects from the electronic payment chip, wherein the one or more desired data objects are stored within the plurality of data records of the electronic payment chip;
receiving, at a second software routine executing on the one or more processors, the request for the one or more desired data objects;
determining, by the second software routine, whether the one or more desired data objects are stored in the data object cache of the EMV card reader;
if the one or more desired data objects are determined to be stored in the data object cache, providing, by the second software routine to the first software routine, the one or more desired data objects from the data object cache;
processing, by the first software routine and prior to receiving all of the plurality of data records from the electronic payment chip, a portion of a payment transaction based on the one or more desired data objects;
if the one or more desired data objects are determined not to be stored in the data object cache, performing each of the following steps:
requesting, by the second software routine from the electronic payment chip, a second portion of the plurality of data records;
receiving, by the second software routine from the electronic payment chip, the second portion of the plurality of data records;
extracting, by the second software routine, one or more received data objects from the second portion of the plurality data records;
determining, by the second software routine, whether the one or more desired data objects are included in the one or more received data objects;
if the one or more desired data objects are determined to be included in the one or more received data objects, providing, by the second software routine to the first software routine, the one or more desired data objects.

2. The method of claim 1 , further comprising:
requesting, by the second software routine to the electronic payment chip, a third portion of the plurality of data records;
receiving, by the second software routine from the electronic payment chip, the third portion of the plurality of data records;
extracting, by the second software routine, one or more second received data objects from the third portion of the plurality data records;
determining, by the second software routine, whether the one or more desired data objects are included in the second one or more received data objects;
if the one or more desired data objects are determined to be included in the second one or more received data objects, returning, by the second software routine to the first software routine, the one or more desired data objects.

3. The method of claim 1 , further comprising:
requesting, by the first software routine, one or more second desired data objects from the electronic payment chip, wherein the one or more second desired data objects are stored within the plurality of data records of the electronic payment chip;
receiving, at the second software routine executing on the one or more processors, the request for the one or more second desired data objects;
determining, by the second software routine, whether the one or more second desired data objects are stored in the data object cache;
if the one or more second desired data objects are determined to be stored in the data object cache, providing, by the second software routine to the first software routine, the one or more second desired data objects, and
processing, by the first software routine and prior to receiving all of the plurality of data records, another portion of the payment transaction based on the one or more desired data objects.

4. The method of claim 3 , wherein the processing of the portion of the payment transaction is completed prior processing of the another portion of the payment transaction.

5. The method of claim 1 , wherein the processing the portion of the payment transaction is performed by transmitting data from the one or more desired data objects out of the EMV card reader.

6. A method for a reader device to acquire data from an electronic transaction chip of an electronic transaction card, the method comprising:
establishing a data connection between the reader device and the electronic transaction chip, wherein the electronic transaction chip is storing a plurality of data records for use by reader devices in performing transactions;
receiving at the reader device a first portion of the plurality of data records from the electronic transaction chip;
storing at least one data object from the first portion of the plurality of data records in a data object cache of the reader device;
identifying, by a first software routine executing on one or more processors of the reader device, one or more desired data objects for use in processing a transaction, wherein the one or more desired data objects are stored within the plurality of data records of the electronic transaction chip;
receiving, by a second software routine executing on the one or more processors, a request from the first software routine for the one or more desired data objects;
determining, by the second software routine, whether the one or more desired data objects are stored in the data object cache of the reader device;
if the one or more desired data objects are determined to be stored in the data object cache, providing by the second software routine to the first software routine, the one or more desired data objects from the data object cache;
processing, by the first software routine and prior to receiving all of the plurality of data records from the electronic transaction chip, a portion of the transaction based on the one or more desired data objects;
if the one or more desired data objects are determined not to be stored in the data object cache, performing each of the following steps:
requesting, by the second software routine, a second portion of the plurality of data records from the electronic transaction chip;
receiving, by the second software routine, the second portion of the plurality of data records from the electronic transaction chip;
extracting, by the reader device, one or more received data objects from the second portion of the plurality data records;
determining, by the second software routine, that the one or more received data objects comprise the one or more desired data objects; and
providing, by the second software routine to the first software routine, the one or more desired data objects from the one or more received data objects.

7. The method of claim 6 , further comprising storing the received data objects in the data object cache.

8. The method of claim 7 , further comprising:
identifying, by the first software routine, one or more second desired data objects for use in processing the transaction;
determining, by the second software routine, whether the one or more second desired data objects are stored in the data object cache; and
processing, by the first software routine, at least another portion of the transaction based on t

Assignees

• Square Inc

Inventors

• Terra David

Classifications

• G06Q20/356

  Aspects of software for card payments · CPC title

• G06Q20/341 Primary

  Active cards, i.e. cards including their own processing means, e.g. including an IC or chip · CPC title

• G06Q20/3552

  Downloading or loading of personalisation data · CPC title

• G06K7/0004

  Hybrid readers · CPC title

• G06Q20/353

  Payments by cards read by M-devices · CPC title