Systems and methods to register merchants for data processing in an electronic transaction system

Patent metadata

Field	Value
Publication number	US-9836743-B2
Application number	US-201514729537-A
Country	US
Kind code	B2
Filing date	Jun 3, 2015
Priority date	Jun 4, 2014
Publication date	Dec 5, 2017
Grant date	Dec 5, 2017

Abstract

A user interface to register merchants. The user interface is configured to allow a merchant to search and identify a set of transaction parameters that are used in authorization and/or settlement messages of payment transactions initiated for a store of the merchant and allow the merchant to obtain a store identifier representing the set of transaction parameters. The store identifier, for example, can be used to label offers of the store of the merchant. Thus, whether or not an authorization or settlement message transmitted in the payment processing network for a payment transaction is for the store can be determined based on whether or not the transaction parameters in the message match with the set of transaction parameters represented by the store identifier.

First claim

What is claimed is:

1. A method, comprising:
providing a computing apparatus having:
a transaction handler configured in an electronic payment transaction processing network in which the transaction handler communicates with a transaction terminal of a first merchant, among a plurality of merchants, using a first communication channel in processing payment transactions of the first merchant, wherein the transaction handler has at least one microprocessor and a memory storing first instructions configured to instruct the microprocessor to process authorization of transactions in the electronic payment transaction processing network; and
a portal configured outside the electronic payment transaction processing network, where the portal receives merchant data related to the first merchant using a second communication channel separate from the first communication channel, wherein processing of at least some of the payment transactions of the first merchant initiated on the transaction terminal is based at least in part on the merchant data, wherein the portal has at least one microprocessor and a memory storing second instructions configured to instruct the portal to present a user interface;

storing, in a data warehouse, transaction records in the computing apparatus, the transaction records including data fields identifying the merchants and transaction terminals of the merchants, wherein the data warehouse has at least one data storage device to store transaction records of authorization of the transactions processed by the transaction handler;
presenting, via the computing apparatus, the user interface, wherein the user interface is configured to search for a representation of a merchant in the electronic payment transaction processing network based on matching data received in the user interface and data in the data fields of the transaction records stored in the computing apparatus;
receiving, in the computing apparatus, a search request in the user interface, the search request including first data received as a search criterion in the user interface;
matching, by the computing apparatus, the first data received as the search criterion and second data in the data fields of the transaction records stored in the computing apparatus to identify a representation of a first merchant in the electronic payment transaction processing network, wherein the representation of the first merchant includes values found in data fields of authorization request messages for transactions of the first merchant;
generating, by the computing apparatus, an identifier uniquely identifying the representation of the first merchant in the electronic payment transaction processing network;
storing, by the computing apparatus, data associating the identifier with the representation of the first merchant in the electronic payment transaction processing network;
providing, by the computing apparatus, the identifier in response to the search request;
receiving, in the portal of the computing apparatus, the merchant data, wherein the merchant data is tagged with the identifier to instruct the transaction handler to detect transactions that have data fields matching the representation of the first merchant, and to process the merchant data in connection with the detected transactions;
associating, by the computing apparatus, the merchant data with the representation of the first merchant in the electronic payment transaction processing network in accordance with the data associating the identifier with the representation of the first merchant;
detecting, by the transaction handler, subsequent transactions identified based on matching respective data fields in authorization requests of the subsequent transactions with the representation of the first merchant; and
processing, by the computing apparatus, the merchant data in connection with processing, by the transaction handler, the subsequent transactions.

2. The method of claim 1 , wherein the electronic payment transaction processing network includes the transaction handler and interconnects a plurality of acquirers in control of merchant accounts to receive payments on behalf of merchants and a plurality of issuers in control of consumer accounts to make payments on behalf of consumers.

3. The method of claim 1 , wherein the merchant data includes an offer; and a message according to the merchant data is generated for the offer and transmitted to a first consumer during a payment transaction of the first consumer being processed for authorization when the payment transaction of the first consumer has data fields matching the representation of the first merchant.

4. The method of claim 1 , wherein the portal is configured to present the user interface on web browsers.

5. The method of claim 1 , wherein the search criterion is based at least on one of: acquirer information, store address, merchant name, or transaction details.

6. The method of claim 1 , wherein the search criterion is based at least on details of a matching transaction, including transaction amount and transaction date.

7. The method of claim 6 , wherein the search criterion further includes an identification of a location of the first merchant.

8. The method of claim 6 , wherein the identification of the location of the first merchant includes city, state and postal code.

9. The method of claim 1 , wherein the first merchant has a plurality of stores at different locations; and the representation of the first merchant is a particular store in the plurality of stores.

10. The method of claim 9 , wherein the representation of the first merchant further includes identifications of a plurality of transaction terminals in the particular store of the first merchant.

11. The method of claim 1 , wherein the first merchant has a plurality of stores at different locations; and the representation of the first merchant is a subset of the plurality of stores.

12. The method of claim 1 , wherein the values found in the data fields of the authorization request messages comprise acquirer bank identification number, card acceptor, terminal ID, merchant address, and merchant name.

13. The method of claim 1 , wherein the search criterion includes a first name of the merchant; and the representation of the first merchant further includes a second name of the merchant found in data fields of authorization request messages for transactions of the first merchant.

14. The method of claim 13 , wherein the first name of the merchant is different from the second name of the merchant.

15. A non-transitory computer storage medium storing instructions configured to instruct a computing apparatus to perform a method, the method comprising:
storing transaction records in the computing apparatus, the transaction records including data fields identifying merchants and transaction terminals of the merchants, wherein the computing apparatus has:
a transaction handler configured in an electronic payment transaction processing network in which the transaction handler communicates with a transaction terminal of a first merchant, among the merchants, using a first communication channel in processing payment transactions of the first merchant; and
a portal configured outside the electronic payment transaction processing network, where the portal receives merchant data related to the first merchant using a second communication channel separate from the first communication channel, wherein processing of at least some of the payment transactions of the first merchant initiated on the transaction terminal is based at least in part on the merchant data;

presenting, vi

Assignees

• Visa Int Service Ass

Inventors

• Celikyilmaz Ilker
• Jogi Kalpana
• Khan Muhammad Bassam Adil
• Ghosh Basudeb
• Joshi Mahesh Govind
• Chinnappan Raman
• Gupta Rajive
• Hagey Ryan
• Chanda Shashideep

Classifications

• G06Q30/0253

  During e-commerce, i.e. online transactions · CPC title

• G06Q20/40 Primary

  Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title

• G06Q40/12 Primary

  Accounting · 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

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title