Granted Patent B2

US 12,387,206 · App. 18/057,466 · Granted Aug 12, 2025

Inventors: Matthew D. Ozvat (Durango, CO); John Berkley (Durango, CO); Zachary A. Kurka (Durango, CO); Lisa C. Killigrew (Mancos, CO)

Assignee: Worldpay, LLC

G06Q20/40G06Q20/027G06Q20/202G06Q20/401

Abstract

Claims (94)

1. A method for top-level payment processing, the method comprising:

receiving, by a POS terminal system via a POS input device of the POS terminal system, an input entered by a purchaser for a transaction;

determining, by the POS terminal system, a transaction type and a tender option of the transaction based on the input entered by the purchaser to the POS input device, wherein the transaction type is a refund transaction;

determining, by the POS terminal system, whether the tender option requires authorization from at least one payment system from a plurality of payment systems remote from the POS terminal system;

in response to determining that the tender option requires authorization, identifying, by the POS terminal system, a chosen remote payment system based on additional input entered by the purchaser to the POS input device, wherein the chosen remote payment system is the at least one payment system of the plurality of payment systems;

retrieving, by the POS terminal system, payment credentials of the purchaser, wherein retrieving the payment credentials comprises:

identifying, an encrypted transaction information record stored remote from the POS terminal system, wherein the encrypted transaction information record is associated with a previous transaction related to the transaction type, and wherein the encrypted transaction information record includes a token that includes a decryption key and the payment credentials of the purchaser;

sending, by the POS terminal system, the transaction type and the encrypted transaction information record to a payment management system;

generating, by the payment management system associated with the POS terminal system, an authorization request for the refund transaction, wherein generating the authorization request further comprises decrypting the encrypted transaction information record;

sending, by the payment management system, the authorization request to the chosen remote payment system, wherein the authorization request comprises the transaction type and the token that includes the decryption key and the payment credentials of the purchaser;

generating, by the chosen remote payment system, an authorization by processing the refund transaction using the decryption key for the authorization request, wherein the authorization comprises an authorization outcome;

receiving, by the payment management system, an authorization response comprising the authorization from the chosen remote payment system in response to sending the authorization request; and

processing, by the payment management system, the refund transaction based on the authorization outcome.

2. The method of claim 1 , further comprising:

presenting, by the POS terminal system on a POS display screen of the POS terminal system, a payer choice payment control subscreen comprising a plurality of available payment options; and

receiving, by the POS terminal system via interaction with one of the plurality of available payment options, a selection of one of the plurality of available payment options, wherein the selection is entered by the purchaser.

3. The method of claim 1 , wherein retrieving the payment credentials of the purchaser further comprises:

determining that the previous transaction is not related to the transaction type and for the chosen remote payment system for a purchaser secret;

identifying, in response to determining that the previous transaction is not related to the transaction type and for the chosen remote payment system for a purchaser secret, a requirement to provide purchaser secret information;

prompting, on a POS display device of the POS terminal system, the purchaser to provide the purchaser secret information; and

receiving, subsequent to the prompting, the purchaser secret information entered by the purchaser.

4. The method of claim 3 , wherein generating the authorization comprises:

determining whether the chosen remote payment system is communicative or not communicative with the payment management system; and

transmitting, in response to determining that the chosen remote payment system is communicative and via a communication facility of the payment management system, an authorization request to process the refund transaction, wherein the authorization request comprises the purchaser secret information.

5. The method of claim 1 , further comprising:

generating, by the payment management system and subsequent to the processing, a record of electronic processing information associated with the refund transaction;

associating, by the payment management system, subsequent to the generating, a unique transaction identifier with the record;

leveraging, by the payment management system, the electronic processing information, via the unique transaction identifier, in an activity.

6. The method of claim 5 , wherein the activity is selected from the group consisting of: a loyalty program activity, a targeted product marketing activity, and a distributed enhanced payment improvement activity.

7. The method of claim 1 , wherein the refund transaction occurs at a different merchant location than where a purchase transaction associated with the previous transaction occurred for a product.

8. A computing system for top-level payment processing, the computing system comprising:

a point of sale (POS) terminal system comprising at least one POS processor, a POS input device and a POS display device;

a plurality of payment systems, wherein each one of the plurality of payment systems comprises one or more processors; and

a payment management system, the payment management system comprising one or more processors;

wherein the computing system is configured to execute instructions to perform a method including:

receiving, by a POS terminal system via a POS input device of the POS terminal system, an input entered by a purchaser for a transaction;

determining, by the POS terminal system, a transaction type and a tender option of the transaction based on the input entered by the purchaser to the POS input device, wherein the transaction type is a refund transaction;

determining, by the POS terminal system, whether the tender option requires authorization from at least one payment system from a plurality of payment systems remote from the POS terminal system;

in response to determining that the tender option requires authorization, identifying, by the POS terminal system, a chosen remote payment system based on additional input entered by the purchaser to the POS input device, wherein the chosen remote payment system is the at least one payment system of the plurality of payment systems;

retrieving, by the POS terminal system, payment credentials of the purchaser, wherein retrieving the payment credentials comprises:

identifying, an encrypted transaction information record stored remote from the POS terminal system, wherein the encrypted transaction information record is associated with a previous transaction related to the transaction type, and wherein the encrypted transaction information record includes a token that includes a decryption key and the payment credentials of the purchaser;

sending, by the POS terminal system, the transaction type and the encrypted transaction information record to a payment management system;

generating, by the payment management system associated with the POS terminal system, an authorization request for the refund transaction, wherein generating the authorization request further comprises decrypting the encrypted transaction information record;

sending, by the payment management system, the authorization request to the chosen remote payment system, wherein the authorization request comprises the transaction type and the token that includes the decryption key and the payment credentials of the purchaser;

generating, by the chosen remote payment system, an authorization by processing the refund transaction using the decryption key for the authorization request, wherein the authorization comprises an authorization outcome;

receiving, by the payment management system, an authorization response comprising the authorization from the chosen remote payment system in response to sending the authorization request; and

processing, by the payment management system, the refund transaction based on the authorization outcome.

9. The computing system of claim 8 , wherein the identifying the chosen remote payment system comprises:

presenting, on the POS display device, a payer choice payment control subscreen comprising a plurality of available payment options; and

receiving, via interaction with one of the plurality of available payment options, a selection of one of the plurality of available payment options, wherein the selection is entered by the purchaser.

10. The computing payment management system of claim 8 , wherein retrieving the payment credentials of the purchaser further comprises:

determining that the previous transaction is not related to the transaction type and for the chosen remote payment system for a purchase secret;

identifying, in response to determining that the previous transaction is not related to the transaction type and for the chosen remote payment system for a purchaser secret, a requirement to provide purchaser secret information;

prompting, on the POS display device, the purchaser to provide the purchaser secret information; and

receiving, subsequent to the prompting, the purchaser secret information entered by the purchaser.

11. The computing system of claim 10 , wherein generating the authorization comprises:

determining whether the chosen remote payment system is communicative or not communicative with the payment management system; and

transmitting, in response to determining that the chosen remote payment system is communicative and via a communication facility of the payment management system, an authorization request to process the refund transaction, wherein the authorization request comprises the purchaser secret information.

12. The computing system of claim 8 , wherein the payment management system is further configured to execute instructions to perform the method further comprising:

generating, subsequent to the processing, a record of electronic processing information associated with the refund transaction;

associating, subsequent to the generating, a unique transaction identifier with the record; and

leveraging the electronic processing information, via the unique transaction identifier, in an activity.

13. The computing system of claim 12 , wherein the activity is selected from the group consisting of: a loyalty program activity, a targeted product marketing activity, and a distributed enhanced payment improvement activity.

14. The computing system of claim 8 , wherein the refund transaction occurs at a different merchant location than where a purchase transaction associated with the previous transaction occurred for a product.

15. A non-transitory machine readable medium storing instructions executable to perform a method for top-level payment processing, wherein the instructions that, when executed by a computing system, cause the computing system to perform the method including:

receiving, by a POS terminal system via a POS input device of the POS terminal system, an input entered by a purchaser for a transaction;

determining, by the POS terminal system, a transaction type and a tender option of the transaction based on the input entered by the purchaser to the POS input device, wherein the transaction type is a refund transaction;

determining, by the POS terminal system, whether the tender option requires authorization from at least one payment system from a plurality of payment systems remote from the POS terminal system;

in response to determining that the tender option requires authorization, identifying, by the POS terminal system, a chosen remote payment system based on additional input entered by the purchaser to the POS input device, wherein the chosen remote payment system is the at least one payment system of the plurality of payment systems;

retrieving, by the POS terminal system, payment credentials of the purchaser, wherein retrieving the payment credentials comprises:

identifying, an encrypted transaction information record stored remote from the POS terminal system, wherein the encrypted transaction information record is associated with a previous transaction related to the transaction type, and wherein the encrypted transaction information record includes a token that includes a decryption key and the payment credentials of the purchaser;

sending, by the POS terminal system, the transaction type and the encrypted transaction information record to a payment management system;

generating, by the payment management system associated with the POS terminal system, an authorization request for the refund transaction, wherein generating the authorization request further comprises decrypting the encrypted transaction information record;

sending, by the payment management system, the authorization request to the chosen remote payment system, wherein the authorization request comprises the transaction type and the token that includes the decryption key and the payment credentials of the purchaser;

generating, by the chosen remote payment system, an authorization by processing the refund transaction using the decryption key for the authorization request, wherein the authorization comprises an authorization outcome;

receiving, by the payment management system, an authorization response comprising the authorization from the chosen remote payment system in response to sending the authorization request; and

processing, by the payment management system, the refund transaction based on the authorization outcome.

16. The non-transitory machine readable medium of claim 15 , wherein the identifying the chosen remote payment system comprises:

presenting, on a POS display screen associated with the POS terminal system, a payer choice payment control subscreen comprising a plurality of available payment options; and

receiving, via interaction with one of the plurality of available payment options, the additional input selecting the chosen remote payment system.

17. The non-transitory machine readable medium of claim 15 , wherein retrieving the payment credentials of the purchaser further comprises:

determining that the previous transaction is not related to the transaction type and for the chosen remote payment system for a purchase secret;

identifying, in response to determining that the previous transaction is not related to the transaction type and for the chosen remote payment system for a purchaser secret, a requirement to provide purchaser secret information;

prompting, on a POS display device associated with the POS terminal system, the purchaser to provide the purchaser secret information; and

receiving, subsequent to the prompting, the purchaser secret information entered by the purchaser.

18. The non-transitory machine readable medium of claim 17 , wherein generating the authorization comprises:

determining whether the chosen remote payment system is communicative or not communicative with the payment management system; and

transmitting, in response to determining that the chosen remote payment system is communicative and via a communication facility of the payment management system, an authorization request to process the refund transaction, wherein the authorization request comprises the purchaser secret information.

19. The non-transitory machine readable medium of claim 15 , the method further comprising:

generating, subsequent to the processing, a record of electronic processing information associated with the refund transaction;

associating, subsequent to the generating, a unique transaction identifier with the record; and

leveraging the electronic processing information, via the unique transaction identifier, in an activity;

wherein the activity is selected from the group consisting of: a loyalty program activity, a targeted product marketing activity, and a distributed enhanced payment improvement activity.

20. The non-transitory machine readable medium of claim 15 , wherein the refund transaction occurs at a different merchant location than where a purchase transaction occurred for a product.

Assignments (7)

Continuity (7)

References Cited (18)