Source: https://patents.google.com/patent/US8688581
Timestamp: 2018-03-22 12:07:22
Document Index: 291250656

Matched Legal Cases: ['§120', 'Application No. 60', 'Application No. 60', 'Application No. 60', 'art 1', 'Application No. 2012201358']

US8688581B2 - Product level payment network acquired transaction authorization - Google Patents
Product level payment network acquired transaction authorization Download PDF
US8688581B2
US8688581B2 US14017652 US201314017652A US8688581B2 US 8688581 B2 US8688581 B2 US 8688581B2 US 14017652 US14017652 US 14017652 US 201314017652 A US201314017652 A US 201314017652A US 8688581 B2 US8688581 B2 US 8688581B2
US14017652
US20140006288A1 (en )
This application is a continuation of and claims priority under 35 U.S.C. §120 to U.S. patent application Ser. No. 12/648,054 filed Dec. 28, 2009, titled “Product Level Payment Network Acquired Transaction Authorization,” which in turn is a continuation of U.S. patent application Ser. No. 11/230,761, titled “Auto Substantiation For Over-The-Counter Transactions,” filed Sep. 20, 2005, now U.S. Pat. No. 7,650,308, the entire contents of which is hereby incorporated by reference, and the Ser. No. 11/230,761 application claims the benefit under 35 U.S.C. 119(e) of the following U.S. patent applications which are hereby incorporated herein by reference in their entirety for all purposes: Application No. 60/641,483, filed Jan. 4, 2005, entitled “Method and System for Determining Healthcare Eligibility”; Application No. 60/641,464, filed Jan. 4, 2005, entitled “Method for Encoding Messages Between Two Devices for Transmission Over Standard Online Payment Networks”; and Application No. 60/641,597, filed Jan. 4, 2005, entitled “Auto Adjudication for Over-the-Counter Transactions.” All of the above mentioned applications are herein expressly incorporated by reference.
FIG. 1 shows an eligible card holder 100 presenting an item for purchase at a retailer or service provider 104. The retailer's electronic cash register system can support a list of qualified products, for example a list of qualified product codes that are stored on an electronic cash register. This list of qualified product codes establishes a list of qualified product categories that arc eligible for card usage. Additionally, the electronic cash register can support a list of identifying card programs. For example, the first six digits of the flexible spending account card number can be utilized to identify the account as being a flexible spending account that is eligible for purchase of goods or services from that particular merchant. Thus, FIG. 1 illustrates the electronic cash register 108 as storing the list of codes and eligible card programs. An electronic cash register system is a term used to describe both integrated systems where terminal functionality is built within the cash register itself as well as systems where the POS terminal is a stand-alone device that interacts with the electronic cash register.
1. A product purchase authorization processor-implemented method comprising:
receiving, at an address of an acquirer for a merchant, a payment network authorization request message that includes:
an employee benefit account identifier for an employee benefit account; an address of a merchant; and
a product inventory code for each of a plurality of different products;
sending the payment network authorization request message from the address of the payment network system to an address of an issuer of the employee benefit account;
determining, by a processor, using the payment network authorization request message, that the employee benefit account identifier is valid by matching the employee benefit account identifier against a stored set of employee benefit account identifiers, and if so then for each of the respective said products:
determining that each of the product inventory codes in the payment network authorization request message matches a qualified product category under the employee benefit account, and if so then:
sending, in response to the payment network authorization request message, an authorization response from the address of the issuer to the address of the payment network system,
wherein the authorization response includes an authorization for the use of the employee benefit account for a payment transaction;
4. The method as defined in claim 3, wherein the steps further comprise:
receiving a plurality of said transaction records from a plurality of said merchants at the issuer of said employee benefit account;
grouping the transaction records received from said plurality of said merchants and associated with the employee benefit account as a set of said transaction records; and
6. The method as defined in claim 3, wherein the steps further comprise:
7. The method as defined in claim 6, wherein the steps further comprise utilizing said payment network settlement record to complete payment for the payment transaction while forwarding said transaction record to the address of the auditor for monitoring employee benefit account compliance.
9. A product purchase authorization processor-implemented method comprising:
receiving, at an address of an acquirer for a merchant, data in a transaction record that includes:
an identifier for an employee benefit account; and
a product description field for a product;
sending data in the transaction record from the address of the acquirer for the merchant to an address of a payment network system;
sending data in the transaction record from the address of the payment network system to an address of an issuer of the employee benefit account;
determining, by a processor at the agent of the issuer using predetermined program compliance rules for the employee benefit account, whether a transaction with a consumer for a purchase of the product with the employee benefit account is permissible;
sending an authorization response from the address of the issuer to the address of the payment network system, wherein the authorization response includes an indicator whether the transaction is permissible from the determination;
12. A product purchase authorization apparatus, comprising:
a memory disposed in communication with the processor and storing processor executable instructions to:
receive, at an address of an issuer of an account, a payment network authorization request message that includes:
an account identifier for an account being used to conduct a transaction on the account with a merchant;
an item code corresponding to an item to be purchased in the transaction from the merchant; and
an address of the merchant; and
determine that the account identifier in the payment network authorization request message is valid by matching the account identifier against a stored set of account identifiers;
determine that the item code corresponding to the item to be purchased in the payment network authorization request message matches a qualified item category under the account having the valid account identifier;
send, in response to determining that the account identifier is valid and the item code matches a qualified item category, an authorization response from the address of the issuer for delivery, over a payment network, to the address of the merchant.
13. A processor-readable storage non-transitory medium storing product purchase authorization processor-executable instructions issuable by a processor to:
US14017652 2005-01-04 2013-09-04 Product level payment network acquired transaction authorization Active US8688581B2 (en)
US11230761 US7650308B2 (en) 2005-01-04 2005-09-20 Auto substantiation for over-the-counter transactions
US12648054 US8560446B2 (en) 2005-01-04 2009-12-28 Product level payment network acquired transaction authorization
US14017652 US8688581B2 (en) 2005-01-04 2013-09-04 Product level payment network acquired transaction authorization
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US12648054 Continuation US8560446B2 (en) 2005-01-04 2009-12-28 Product level payment network acquired transaction authorization
US14231115 Continuation US20140297304A1 (en) 2005-01-04 2014-03-31 Determination of healthcare coverage using a payment account
US14231065 Continuation US20140214681A1 (en) 2005-01-04 2014-03-31 Product level payment network acquired transaction authorization
US20140006288A1 true US20140006288A1 (en) 2014-01-02
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US14017652 Active US8688581B2 (en) 2005-01-04 2013-09-04 Product level payment network acquired transaction authorization
US14231115 Abandoned US20140297304A1 (en) 2005-01-04 2014-03-31 Determination of healthcare coverage using a payment account
US14231065 Abandoned US20140214681A1 (en) 2005-01-04 2014-03-31 Product level payment network acquired transaction authorization
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Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:NGUYEN, LOC;POURFALLAH, STACY;PRUITT, JANET;SIGNING DATES FROM 20131105 TO 20131125;REEL/FRAME:031801/0507