Flexible electronic payment transaction process

Patent metadata

Field	Value
Publication number	US-9317845-B1
Application number	US-201414580295-A
Country	US
Kind code	B1
Filing date	Dec 23, 2014
Priority date	Dec 23, 2014
Publication date	Apr 19, 2016
Grant date	Apr 19, 2016

Abstract

A point of sale (POS) terminal is programmed to execute EMV transactions by interaction with payment devices in accordance with a standard EMV transaction flow. An EMV transaction is commenced at the POS terminal with a particular payment device. The POS terminal receives a request from the payment device to interrupt the EMV transaction. The POS terminal responds to the request by interrupting the EMV transaction and taking an action indicated by the request. The action is not required for execution of the standard EMV transaction flow.

First claim

What is claimed is:

1. A payment transaction processing method, comprising:
commencing a first interaction, said first interaction between a payment device and a POS (point of sale) terminal and including a payment transaction process; and
interrupting said first interaction to perform a second interaction, said second interaction between said POS terminal and a device other than the payment device; said second interaction being other than: (a) transmitting an authorization request, and (b) receiving an authorization response;
wherein said second interaction is between the POS terminal and a mobile device that is not the payment device.

2. The method of claim 1 , wherein said second interaction is between the POS terminal and a device installed in a motor vehicle.

3. The method of claim 2 , wherein said device installed in the motor vehicle provides, to the POS terminal, vehicle identification information that identifies said motor vehicle.

4. The method of claim 1 , wherein the payment device is an IC (integrated circuit) payment card.

5. The method of claim 1 , wherein:
said first interaction is part of an EMV standard process flow; and
said second interaction is not part of an EMV standard process flow.

Assignees

• Mastercard International Inc

Inventors

• Ekselius Lukas
• Pochic Sebastien
• Ates Fikret
• Maidment Barry

Classifications

• G06Q20/341

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

• G06Q20/204 Primary

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title

• G06Q20/3226

  Use of secure elements separate from M-devices · CPC title

• G06Q20/24

  Credit schemes, i.e. "pay after" · CPC title