Split message initiated payment system, method and apparatus

Abstract

A system, method, and computer-readable storage medium configured to split a payment card transaction into separate channels with a merchant bill message and cardholder payment message.

1 . A point-of-sale terminal, comprising:
 a visual presenter selected from the group consisting of: (i) a display, and (ii) a printer;   a network interface;   a processor; and   non-transitory computer-readable storage media having computer-executable instructions thereon, wherein when executed by the processor the computer-executable instructions cause the processor to:
 generate a bill for a purchase transaction; 
 generate a purchase transaction code based at least in part on the bill for the purchase transaction; 
 visually present a representation of the purchase transaction code on the visual presenter; 
 transmit a merchant bill message to a payment network via the network interface, the merchant bill message containing the purchase transaction code and not containing customer payment information; 
 receive a transaction approval or decline message via the network interface in response to the merchant bill message; 
 visually present a transaction approval or decline representation based on the transaction approval or decline message; and 
 generate a receipt including the bill for the purchase transaction,
 whereby the merchant bill message is transmitted to the payment network—
 separately from customer payment information transmitted to the payment network by a customer payment device, 
 for matching by the payment network to the customer payment information using the purchase transaction code. 
 
 
   
     
     
         2 . The point-of-sale terminal of  claim 1 , wherein the visual presenter comprises the printer and, when executed by the processor, the computer-executable instructions further cause the processor to print the receipt via the printer. 
     
     
         3 . The point-of-sale terminal of  claim 1 , wherein, when executed by the processor, the computer-executable instructions further cause the processor to electronically mail the receipt via the network interface. 
     
     
         4 . The point-of-sale terminal of  claim 1 , wherein, when executed by the processor, the computer-executable instructions further cause the processor to extract a public account identifier from the transaction approval or decline message. 
     
     
         5 . The point-of-sale terminal of  claim 4 , wherein the receipt further includes the public account identifier. 
     
     
         6 . The point-of-sale terminal of  claim 1 , wherein the representation of the purchase transaction code is a matrix (QR) bar code. 
     
     
         7 . The point-of-sale terminal of  claim 1 , wherein, when executed by the processor, the computer-executable instructions further cause the processor to—
 generate an identifier for the merchant or the point-of-sale terminal, a transaction amount and a date/time of the transaction, 
 include the identifier, transaction amount and date/time of the transaction in the merchant bill message. 
 
     
     
         8 . The point-of-sale terminal of  claim 1 , wherein the representation of the purchase transaction code is configured for interpretation by an image processor of the customer payment device for inclusion in a cardholder payment message that includes the customer payment information. 
     
     
         9 . A computer-implemented method for secure transaction processing, comprising performing the following at a point-of-sale terminal:
 generating a bill for a purchase transaction;   generating a purchase transaction code based at least in part on the bill for the purchase transaction;   visually presenting a representation of the purchase transaction code on a visual presenter selected from the group consisting of: (i) a display, and (ii) a printer;   transmitting a merchant bill message to a payment network, the merchant bill message containing the purchase transaction code and not containing customer payment information;   receiving a transaction approval or decline message from the payment network;   visually presenting a transaction approval or decline representation based on the transaction approval or decline message; and   generating a receipt including the bill for the purchase transaction,
 whereby the merchant bill message is transmitted to the payment network—
 separately from customer payment information transmitted to the payment network by a customer payment device, 
 for matching by the payment network to the customer payment information using the purchase transaction code. 
 
   
     
     
         10 . The computer-implemented method of  claim 9 , further comprising extracting a public account identifier from the transaction approval or decline message. 
     
     
         11 . The computer-implemented method of  claim 10 , wherein the receipt further includes the public account identifier. 
     
     
         12 . The computer-implemented method of  claim 9 , wherein the representation of the purchase transaction code is a matrix (QR) bar code. 
     
     
         13 . The computer-implemented method of  claim 9 , further comprising—
 generating an identifier for the merchant or the point-of-sale terminal, a transaction amount and a date/time of the transaction, 
 including the identifier, transaction amount and date/time of the transaction in the merchant bill message. 
 
     
     
         14 . The computer-implemented method of  claim 9 , wherein the representation of the purchase transaction code is configured for interpretation by an image processor of the customer payment device for inclusion in a cardholder payment message that includes the customer payment information. 
     
     
         15 . A system for secure transaction processing, the secure transaction processing system comprising one or more processors individually or collectively programmed to:
 generate a bill for a purchase transaction;   generate a purchase transaction code based at least in part on the bill for the purchase transaction;   visually present a representation of the purchase transaction code to a customer via a visual presenter selected from the group consisting of: (i) a display, and (ii) a printer;   transmit a merchant bill message to a payment network via a network interface, the merchant bill message containing the purchase transaction code and not containing customer payment information;   receive a transaction approval or decline message in response to the merchant bill message via the network interface;   visually present a transaction approval or decline representation based on the transaction approval or decline message; and   generate a receipt including the bill for the purchase transaction,
 whereby the merchant bill message is transmitted to the payment network—
 separately from customer payment information transmitted to the payment network by a customer payment device, 
 for matching by the payment network to the customer payment information using the purchase transaction code. 
 
   
     
     
         16 . The system of  claim 15 , wherein the one or more processors are further individually or collectively programmed to extract a public account identifier from the transaction approval or decline message. 
     
     
         17 . The system of  claim 16 , wherein the receipt further includes the public account identifier. 
     
     
         18 . The system of  claim 15 , wherein the representation of the purchase transaction code is a matrix (QR) bar code. 
     
     
         19 . The system of  claim 15 , wherein the one or more processors are further individually or collectively programmed to—
 generate an identifier for the merchant or the point-of-sale terminal, a transaction amount and a date/time of the transaction, 
 include the identifier, transaction amount and date/time of the transaction in the merchant bill message. 
 
     
     
         20 . The system of  claim 15 , wherein the representation of the purchase transaction code is configured for interpretation by an image processor of the customer payment device for inclusion in a cardholder payment message that includes the customer payment information.