Block, Inc.

Paul Abraham Botros

Michael C Ward

Dennis Jarosch

Gillian May Lian Wee

Anusha Ramanujam

Julian Hua

Michael Wells White

Christopher Lang Mocko

Zhimin Ren

Kate Fitch

Jianliang Zhao

A method for encapsulating transaction instrument information in a transaction includes storing, in association with a first transaction and by a processor of the primary transaction processor server, transaction data associated with a transaction instrument for a first transaction. The primary transaction processor server transmits the transaction data to a payment network processor, and receives an authorization package in response that includes a cryptograph and a first network token. The primary transaction processor server generates a second token that includes a changeable alpha-numeric string associated with the transaction instrument used in the first transaction, and transmits the second token to a merchant device. The second token indicates that a transaction associated with the second token is either i) a customer-initiated transaction or ii) a merchant-initiated transaction. The secondary transaction processor may approve or reject a transaction using the second token without a cryptogram.

Encapsulation of payment accounts with tokenization

Storing, in a database associated with an issuer, an association between a device identifier of a device of a user and a card identifier of a physical payment card of the user; receiving, by the issuer from a point-of-sale (POS) device via a card network, a request to authorize use of the payment card, the request including the card network and card identifier and generated responsive to interaction between the POS device and the payment card; determining, utilizing the card identifier, that an issuer application has been installed on the device; determining, based on the application being installed and the type of the payment card, a cardholder verification method (CVM) for verifying the payment card, wherein the CVM differs from a default CVM for the card network; and based on determining the CVM, sending, to the POS device, a request for input according to the CVM.

Configuring verification information at point-of-sale devices

Techniques and arrangements for capturing payments in cases involving a failed authorization. In some instances, a point-of-sale (POS) device may process a transaction while operating in an offline mode, and then send information regarding the transaction to a remote service after transitioning to an online mode. The remote service may attempt to authorize a payment instrument tendered to satisfy a cost of the transaction. In instances in which the payment instrument is declined, one or multiple payment-capture techniques may be utilized to capture a payment that satisfies at least a portion of the cost of the transaction.

Intelligent payment capture in failed authorization requests

A method for encapsulating transaction instrument information in a transaction includes storing, in association with a first transaction and by a processor of the primary transaction processor server, payment data associated with a payment instrument used to settle a cost of a first transaction. The primary transaction processor server transmits the transaction data to a payment network processor. The primary transaction processor server receives an authorization package from the payment network processor that includes a cryptograph and a first network token. The processor of the primary transaction processor server generates a secondary token, and stores a correlation record to a computer-readable memory. The correlation record associates the secondary token to a second object stored by the primary transaction processor. The processor of the primary transaction processor server transmits a second transaction package including at least one of the network token and the secondary token to a merchant device.

Encapsulation of payment accounts with nested tokens

Growing community of inventors

Berkeley, CA, United States of America

Paul Abraham Botros