Predictive data object acquisition and processing

Patent metadata

Field	Value
Publication number	US-10970708-B2
Application number	US-201715417888-A
Country	US
Kind code	B2
Filing date	Jan 27, 2017
Priority date	Dec 31, 2016
Publication date	Apr 6, 2021
Grant date	Apr 6, 2021

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 engage in communications with the electronic transaction card. Based on information received from the electronic transaction card, the payment terminal may predict the locations of data objects that must be accessed in order to process transactions. The data objects may be accessed based on the predictions and the transaction may be processed.

First claim

What is claimed is:

1. A method for an EMV card reader to predictively 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;
receiving, at the EMV card reader from the electronic payment chip, identifying information for the EMV card;
determining, at the EMV card reader based on the identifying information, predicted record locations for a plurality of data records within a memory of the electronic payment chip, wherein one or more data objects are stored within the plurality of data records;
associating, at the EMV card reader based on the identifying information, one or more data objects with the predicted record locations;
identifying, at the EMV card reader, a desired data object for processing;
determining, by the EMV card reader, a first predicted record location based on the desired data object and the association between the one or more data objects and the predicted record locations;
requesting, by the EMV card reader from the electronic payment chip, a first data record at the first predicted record location;
accessing, by the EMV card reader, a first data object from the first data record;
processing, by the EMV card reader, a first payment transaction based on the first data object;
transmitting, by the EMV card reader, the identifying information and the first data object to a payment service system;
analyzing, by the payment service system, the identifying information and the first data object from the EMV card reader, additional identifying information received from additional EMV card readers, and additional data objects received from the additional EMV card readers to generate one or more rules to identify predicted record locations and data objects;
modifying, by the payment service system, the association between one or more data objects and the predicted record locations based on the generated one or more rules;
receiving, at the EMV card reader, the modified association between one or more data objects and the predicted record locations from the payment service system; and
processing, at the EMV card reader, additional payment transactions based on the modified association.

2. The method of claim 1 , wherein the identifying information comprises an application file locator.

3. The method of claim 1 , further comprising:
identifying, at the EMV card reader, a second data object for processing;
determining, by the EMV card reader, a second predicted record location based on the second data object and the association between the one or more data objects and the predicted record locations;
requesting, by the EMV card reader from the electronic payment chip, a second data record at the second predicted record location;
accessing, by the EMV card reader, the second data object from the second predicted data record; and
processing, by the EMV card reader, the first payment transaction based on the second data object.

4. The method of claim 1 , further comprising:
determining, by the EMV card reader, that the first data object does not correspond to the desired data object;
requesting, by the EMV card reader from the electronic payment chip, a second data record from a second predicted data location;
accessing, by the EMV card reader, a second data object from the second data record;
determining, by the EMV card reader, that the second data object corresponds to the desired data object; and
processing, by the EMV card reader, the first payment transaction based on the desired data object.

5. A method for a transaction processing device to acquire data objects from an electronic transaction chip of an electronic transaction card, the method comprising:
establishing a data connection between the transaction processing device and the electronic transaction chip;
receiving, at the transaction processing device from the electronic transaction chip, identifying information for the electronic transaction card;
associating, at the transaction processing device based on the identifying information, a plurality of data objects associated with processing payment transactions with predicted data locations within a memory of the electronic transaction chip storing the plurality of data objects;
identifying, at the transaction processing device, a desired data object, from the plurality of data objects, required for processing a payment transaction at the transaction processing device;
determining, by the transaction processing device, a predicted data location within the memory of the electronic transaction chip for the desired data object based on the association between the plurality of data objects and the predicted data locations;
acquiring, by the transaction processing device, the desired data object from the predicted data location within memory of the electronic transaction chip and storing the desired data object in a cache of the transaction processing device prior to a request for the desired data object during processing of the payment transaction by the transaction processing device; and
processing, by the transaction processing device, the payment transaction based on the desired data object that is retrieved from the cache of the transaction processing device during processing of the payment transaction.

6. The method of claim 5 , wherein the identifying information comprises an application file locator.

7. The method of claim 5 , wherein acquiring the desired data object comprises:
requesting, by the transaction processing device from the electronic transaction chip, first data at the predicted data location; and
accessing, by the transaction processing device, the desired data object from the first data.

8. The method of claim 5 , further comprising transmitting, by the transaction processing device, the identifying information and the desired data object to a payment service system, wherein the payment service system modifies the association between the plurality of data objects and the predicted data locations based on the identifying information, the desired data object, additional identifying information received from additional transaction processing devices, and additional data objects received from the additional transaction processing devices.

9. The method of claim 8 , further comprising:
receiving, at the transaction processing device, the modified association between the plurality of data objects and the predicted data locations; and
processing, at the transaction processing device, additional payment transactions based on the modified association.

10. The method of claim 5 , further comprising:
identifying, at the transaction processing device, a second data object from the plurality of data objects for processing;
determining, by the transaction processing device, a second predicted data location based on the second data object and the association between the plurality of data objects and the predicted data locations;
requesting, by the transaction processing device from the electronic transaction chip, second data at the second predicted data location;
accessing, by the transaction processing device, the second data object from the second data; and
processing, by the transaction processing device, the payment transaction based on the second data object.

11. The method of claim 5 , wherein acquiring the desired data object comprises:
requesting, by the transaction processing device from the electronic transaction chip, first data at the predicted data location;
accessing, by the transaction processing device, a first data object from the first data;
determining, by the transaction p

Assignees

• Square Inc

Inventors

• Terra David

Classifications

• G06F12/0215

  with look ahead addressing means · CPC title

• G06K7/0004

  Hybrid readers · CPC title

• G06Q20/353

  Payments by cards read by M-devices · CPC title

• G06Q20/3552

  Downloading or loading of personalisation data · CPC title

• G06Q20/356

  Aspects of software for card payments · CPC title