Systems and methods for use in contactless communication
Disclosed are exemplary embodiments of systems and methods for providing contactless payment at a point-of-sale (POS) terminal associated with a merchant, without local, direct communication of the POS terminal with a payment device. One exemplary method includes receiving a selection of a modified contactless payment option for a transaction at the POS terminal. In response, the POS terminal presents a detail for the transaction and receives a transaction setup message from a payment network. The transaction setup message includes a credential for a payment account associated with the consumer. An authorization request for the transaction is then generated, which includes the payment account credential, a merchant ID of the merchant, and an amount of the transaction. The POS terminal then transmits the authorization request to the payment network, via an acquirer associated with the merchant, thereby initiating the transaction without interacting locally and/or directly with the payment device.
1. A computer-implemented method for use in facilitating communication with a point of sale (POS) terminal, the method comprising:
receiving, at a point of sale (POS) terminal associated with a merchant, a selection of a modified contactless payment option for a transaction between a consumer and the merchant, the POS terminal lacking local wireless payment capabilities;
displaying, by the POS terminal, to the consumer, a computer-readable symbol representing multiple transaction details associated with the transaction, thereby permitting the consumer to capture the computer-readable symbol and communicate the multiple transaction details to a payment network, the multiple transaction details including: a transaction ID specific to the transaction, a terminal ID indicative of the POS terminal, and an amount of the transaction;
after displaying the computer-readable symbol to the consumer, receiving, by the POS terminal, a transaction setup message specific to the transaction from the payment network, the transaction setup message including multiple transaction details and a payment account credential for a payment account associated with the consumer; and
in response to the transaction setup message:
generating, by the POS terminal, an authorization request for the transaction, the authorization request including at least the payment account credential received from the payment network, a merchant ID associated with the merchant, the transaction ID, and the amount of the transaction; and
transmitting, by the POS terminal, the authorization request for the transaction to the payment network, via an acquirer associated with the merchant, thereby initiating the transaction without local wireless communication between the POS terminal and a payment device associated with the payment account.
2. The method of claim 1 , wherein the multiple transaction details further include the merchant ID associated with the merchant.
3. The method of claim 1 , wherein receiving the transaction setup message includes receiving the transaction setup message via the acquirer associated with the merchant.
4. The method of claim 1 , wherein the transaction setup message includes an ISO 8583 standard message.
5. The method of claim 4 , wherein the authorization request includes an ISO 8583 standard message.
6. A system for facilitating a payment account transaction at a merchant, without local communication between a payment device associated with a payment account for funding the transaction and a point of sale (POS) terminal associated with the merchant, the system comprising:
a POS terminal disposed at a merchant, the POS terminal including an input device and an output device, the POS terminal lacking local wireless payment capabilities, the POS terminal configured to:
receive, at the input device, a selection of a modified contactless payment for a transaction between a consumer and the merchant;
display a computer-readable symbol representative of multiple transaction details for the transaction at the output device to the consumer, the multiple transaction details including at least one of a transaction ID for the transaction, an amount of the transaction, and a terminal ID indicative of the POS terminal, thereby permitting the consumer to capture the computer-readable symbol and communicate the multiple transaction details to a payment network;
after the computer-readable symbol is displayed to the consumer, receive a transaction setup message for the transaction from the payment network, via an acquirer associated with the merchant, the transaction setup message including a payment account credential for a payment account associated with the consumer and the multiple transaction details; and
in response to the transaction setup message:
link the transaction setup message to the transaction, based on the at least one of the transaction ID and the terminal ID;
generate an authorization request for the transaction based on the transaction setup message, the authorization request including the payment account credential from the transaction setup message, a merchant ID associated with the merchant, and the amount of the transaction; and
transmit the authorization request for the transaction to the payment network, via the acquirer associated with the merchant, thereby initiating the transaction without local wireless communication between the POS terminal and a payment device associated with the payment account.
7. The system of claim 6 , wherein the POS terminal is configured to link the transaction setup message to said transaction based on the transaction ID and the terminal ID.
8. The system of claim 6 , wherein the computer-readable symbol includes one of a QR code and a barcode.