Multi-interface processing of electronic payment transactions

Patent metadata

Field	Value
Publication number	US-10417628-B2
Application number	US-201615197711-A
Country	US
Kind code	B2
Filing date	Jun 29, 2016
Priority date	Jun 29, 2016
Publication date	Sep 17, 2019
Grant date	Sep 17, 2019

Abstract

A payment terminal may receive a request to process electronic payment information from a payment card in a swipe mode. The payment terminal may provide an opt-in request. If a user accepts, the payment terminal may receive a payment transaction request and electronic payment information of a swipe payment type from the payment card at a swipe interface. The payment terminal may determine whether the payment card is a chip card and generate a swipe mode processing indicator. The swipe mode indicator may allow processing of electronic payment information using procedures for the swipe payment type. The payment terminal may transmit the swipe mode processing indicator and electronic payment information to a payment server from a communication interface of the payment terminal, and may receive a payment approval response based on the swipe mode processing indicator.

First claim

What is claimed is:

1. A method for a payment terminal to selectively process electronic payment information through a plurality of payment interfaces, the method comprising:
receiving, at a user interface of the payment terminal, a first payment transaction request;
receiving, at a chip card interface of the payment terminal, first electronic payment information of a first electronic payment information type from a chip card in response to the first payment transaction request;
transmitting, from a communication interface of the payment terminal, the first electronic payment information to one or more payment servers;
receiving, at the communication interface of the payment terminal, a first payment approval response for the first electronic payment information;
receiving, at a user interface of the payment terminal, a request to enter a swipe mode;
providing, at the user interface of the payment terminal, an opt-in confirmation in response to the request to enter the swipe mode, wherein the payment terminal is only permitted to enter the swipe mode when the opt-in confirmation is accepted by the user;
receiving, at the user interface of the payment terminal, a second payment transaction request;
receiving, at a swipe interface of the payment terminal, second electronic payment information of a second electronic payment information type from a payment card when the payment card is swiped through the swipe interface in response to the second payment transaction request, the swiped payment card being a chip card;
receiving, at the payment terminal, a notification that the payment card is a chip card;
generating, at the payment terminal, a swipe mode processing indicator based on the payment terminal entering the swipe mode and the notification, wherein the swipe mode processing indicator allows the second electronic payment information to be processed according to procedures for the second electronic payment information type;
transmitting, from the communication interface of the payment terminal, the swipe mode processing indicator and the second electronic payment information to the one or more payment servers; and
receiving, at the communication interface of the payment terminal, a second payment approval response for the second electronic payment information, wherein the payment approval response is based on the swipe mode processing indicator.

2. The method of claim 1 , wherein the swipe mode processing indicator indicates that the transaction is not a technical fallback transaction, and wherein the technical fallback transaction indicates that the chip card failed to process at the chip card interface of the payment terminal.

3. The method of claim 1 , further comprising:
identifying a delay condition during which the transmission of the second electronic payment information should be delayed;
storing the second electronic payment information at a memory of the payment terminal; and
transmitting the second electronic payment information based on the expiration of the delay condition.

4. The method of claim 3 , wherein the delay condition comprises a frequency of payment transactions and the expiration of the delay condition comprises the frequency of payment transactions falling below a threshold.

5. A method for a payment terminal to selectively process electronic payment information through a plurality of payment interfaces, the method comprising:
receiving, at a user interface of the payment terminal, a request to enter a swipe mode;
providing, at the user interface of the payment terminal, an opt-in confirmation in response to the request to enter the swipe mode, wherein the payment terminal is only permitted to enter the swipe mode when the opt-in confirmation is accepted by the user;
receiving, at the user interface of the payment terminal, a payment transaction request;
receiving, at a swipe interface of the payment terminal, electronic payment information of a swipe payment type from a payment card when the payment card is swiped through the swipe interface in response to the payment transaction request, the swiped payment card being a chip card;
generating, at the payment terminal, a swipe mode processing indicator based on the payment terminal entering the swipe mode and an indicator that the payment card is a chip card, wherein the swipe mode processing indicator allows the electronic payment information to be processed according to procedures for the swipe payment type;
transmitting, from a communication interface of the payment terminal, the swipe mode processing indicator and the electronic payment information to one or more payment servers; and
receiving, at the communication interface of the payment terminal, a payment approval response for the electronic payment information, wherein the payment approval response is based on the swipe mode processing indicator.

6. The method of claim 5 , wherein the swipe mode processing indicator indicates that the transaction is not a technical fallback transaction, and wherein the technical fallback transaction indicates that the chip card failed to process at a chip card interface of the payment terminal.

7. The method of claim 5 , further comprising:
identifying a delay condition during which the transmission of the electronic payment information should be delayed;
storing the electronic payment information at a memory of the payment terminal; and
transmitting the electronic payment information based on an expiration of the delay condition.

8. The method of claim 7 , wherein the delay condition comprises a frequency of payment transactions and the expiration of the delay condition comprises the frequency of payment transactions falling below a threshold.

9. The method of claim 7 , wherein the delay condition comprises a connection speed between the payment terminal and the one or more payment servers, and wherein the expiration of the delay condition comprises the connection speed exceeding a threshold.

10. The method of claim 5 , further comprising receiving, at the payment terminal, a notification that the payment card is a chip card, wherein the indicator that the payment card is a chip card is based on the notification.

11. The method of claim 5 , further comprising:
receiving, at the user interface of the payment terminal, a second payment transaction request;
receiving, at the swipe interface of the payment terminal, electronic payment information of a swipe payment type from a second payment card in response to the second payment transaction request;
determining that the second payment card is not a chip card; and
processing the second payment card according to a standard swipe card protocol based on the determination.

12. The method of claim 5 , further comprising:
receiving, at the user interface of the payment terminal, a second payment transaction request;
receiving, at a chip card interface of the payment terminal, second electronic payment information of a chip card payment type from a second chip card in response to the second payment transaction request;
transmitting, from the communication interface of the payment terminal, the second electronic payment information to one or more payment servers; and
receiving, at the communication interface of the payment terminal, a payment approval response for the second electronic payment information.

13. The method of claim 12 , wherein liability for the first payment transaction request is assigned to a merchant operating the payment terminal, and wherein liability for the second payment transaction request is not assigned to the merchant.

14. A payment terminal for selectively proces

Assignees

• Square Inc

Inventors

• Terra David
• Han Koun
• White Michael Wells

Classifications

• G07F7/127

  in which both online and offline card verification can take place · CPC title

• G07F7/0893

  the card reader reading the card in a contactless manner · CPC title

• G07F7/0886

  the card reader being portable for interacting with a POS or ECR in realizing a payment transaction · CPC title

• G06Q20/347

  Passive cards · CPC title

• G06Q20/202

  Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR · CPC title