US20200234270A1 - Selecting a Preferred Payment Instrument - Google Patents
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Abstract
Description
- The present disclosure relates generally to proxy card payment transactions, and more particularly to selecting a preferred payment instrument in a proxy card payment transaction.
- Payments can be conducted by a mobile device of a user with a point of sale terminal of a merchant. The mobile device can communicate with the terminal via near field communication (“NFC”), BLUETOOTH, barcode, Wi-Fi, infrared, or any other suitable communication technology. The mobile device can host a payment application, such as a digital wallet application module, that can complete a transaction with the terminal.
- The point of sale terminal can obtain the payment information from the mobile device and transmit transaction details to the mobile device. The point of sale terminal can submit the transaction details to the card network to receive payment from the card issuer. A digital wallet application module on the mobile device can support multiple financial accounts and the cards associated with the account. The user can conduct a transaction with different financial instruments, such as credit cards, debit cards, stored value cards, or other payment cards, supported by the application.
- Currently, when the user employs a proxy card to conduct the transaction, the user must select a backing payment instrument at the time of purchase with which to conduct the transaction. That is, at the time of purchase, the user must select a backing payment instrument and apply it to the purchase. Alternatively, the user may assign a payment instrument for all transactions until the assignment is changed or provide rules allowing a payment processing system to make the selection. Some payment instruments may be better suited for a particular transaction than other cards. For example, some payment instruments provide better rewards or provide better terms for transactions with certain merchant categories.
- Conventional proxy card systems do not utilize user selections of payment instruments and other related transaction details to predict the preferred payment instrument and provide the predicted payment instrument to the user.
- One aspect of the example embodiments described herein provides a computer-implemented method to select payment instruments for proxy card transactions is described. The method comprises associating, using one or more computer devices, a plurality of financial accounts with a user proxy account, the user proxy account being maintained by the one or more computing devices; establishing a model for the user account based on configuration data received from a user associated with the user proxy card account, the model comprising identification of a particular financial account to use as a backing instrument for a transaction using the user proxy account; receiving data associated with a pending transaction with a merchant, the transaction being conducted between a merchant computing device and the user, the data comprising information regarding the pending transaction and information provided to the merchant computing device to identify the user proxy account; identifying a financial account from among the plurality of financial accounts to use as a backing instrument for the pending transaction based at least in part on a comparison of the model with the pending transaction data; receiving an input of a selection of an alternate financial account to use instead of the identified financial account as the backing instrument for the pending transaction; logging the data associated with the pending transaction and the selected, alternate financial account selected; modifying the model for the user account based on the selection of the alternate financial account and the data associated with the pending transaction; and utilizing the modified model for the user account in a subsequent selection of a financial account for a backing instrument for a subsequent transaction involving the user proxy account.
- A computer program product that is installed on a server located in a payment processing system to select payment instruments for proxy card transactions. The computer program product includes a non-transitory computer-readable storage device having computer-readable program instructions stored therein. The computer-readable program instructions include computer program instructions for associating a plurality of financial accounts with a user proxy account, the user proxy account being maintained by the one or more computing devices; establishing a model for the user account based on configuration data received from a user associated with the user proxy card account, the model comprising identification of a particular financial account to use as a backing instrument for a transaction using the user proxy account; receiving data associated with a pending transaction with a merchant, the transaction being conducted between a merchant computing device and the user, the data comprising information regarding the pending transaction and information provided to the merchant computing device to identify the user proxy account; identifying a financial account from among the plurality of financial accounts to use as a backing instrument for the pending transaction based at least in part on a comparison of the model with the pending transaction data; receiving an input of a selection of an alternate financial account to use instead of the identified financial account as the backing instrument for the pending transaction; logging the data associated with the pending transaction and the selected, alternate financial account selected; modifying the model for the user account based on the selection of the alternate financial account and the data associated with the pending transaction; and utilizing the modified model for the user account in a subsequent selection of a financial account for a backing instrument for a subsequent transaction involving the user proxy account.
- These and other aspects, objects, features and advantages of the example embodiments will become apparent to those having ordinary skill in the art upon consideration of the following detailed description of illustrated example embodiments.
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FIG. 1 is a block diagram depicting a system for a payment processing system to select a preferred card, in accordance with certain example embodiments. -
FIG. 2 is a block flow diagram depicting a method for selecting a preferred card in a proxy card payment transaction, in accordance with certain example embodiments. -
FIG. 3 is a block diagram depicting a computing machine and a module, in accordance with certain example embodiments. - In one example embodiment, payment processing systems enable users to utilize a single card to access multiple financial accounts maintained by multiple issuers. The user receives a proxy card from the payment processing system and either creates a new proxy card account with the payment processing system or associates the proxy card with the user's digital wallet account already maintained by the payment processing system.
- The user then associates one or more financial card accounts with the proxy account. For example, the user can associate with the user's proxy card account multiple debit/credit cards maintained by multiple issuers (including the payment processing system operating as an issuer), stored value cards (for example, gift cards, prepaid cards, re-loadable transaction cards, exchange cards, and other forms of non-credit based value cards), loyalty cards or other store rewards cards, value added service accounts (for example, coupons, vouchers for prepaid offers, redemption offers, and other forms of offers), peer-to-peer transaction accounts, bank accounts and/or other forms of financial accounts.
- The proxy card can be represented on a digital wallet application module or other payment application on a user computing device, such as a mobile phone. For example, the user proxy card account information, such as a proxy card account identifier, can be stored on the user computing device for use in a payment transaction by the digital wallet application module or other application. The user can communicate the proxy card account identifier and other transaction data to a merchant point of sale (“POS”) terminal using the user computing device via near field communication (“NFC”), barcode, BLUETOOTH, Wi-Fi communication, infrared, or other suitable communication technology. Alternatively, the proxy card can be represented as a physical payment card comprising a magnetic stripe or other machine-readable portion comprising the user's proxy card account identifier and other payment information. In this case, the user scans or swipes the proxy card at the merchant POS terminal to communicate the proxy card account identifier and other transaction data to the merchant POS terminal. Additionally or alternatively, the proxy card can be represented as any other suitable payment instrument, such as an RFID device or a smartcard. Additionally or alternatively, the payment instrument can be a digital wallet application module or other payment instrument on a user computing device for conducting online transactions, such as a mobile or desktop computer, laptop computer, or a television with one or more processors embedded therein and/or coupled thereto.
- The merchant system creates a payment request for the transaction using the proxy card information and forwards the payment request to an acquirer, which forwards the payment request to a card network. The card network forwards the payment request to the payment processing system, which functions as the issuer for the payment request.
- The payment processing system reads proxy card account information from the payment request and accesses the user's account associated with the proxy card. If the payment processing system is the issuer of the particular financial account selected as the backing instrument for the proxy card transaction, the payment processing system will approve or decline the transaction.
- If another issuer maintains the particular financial account to be used as the backing instrument for the transaction, the payment processing system will generate and send a new payment request for the transaction to the other issuer via the card network (or via different card network). The payment processing system receives an authorization message from the other issuer via the card network if the transaction is approved.
- The payment processing system forwards an authorization to the acquirer through the card network, which forwards the authorization to the merchant system. The authorization is based on the payment processing system's determination as the issuer to authorize the transaction or the authorization received from the other issuer.
- The merchant system then approves the transaction, based on the authorization received from the payment processing system.
- The user sets rules or preferences specifying which financial account will be accessed and used as the backing instrument when a proxy card transaction is attempted. The user can then add, delete, or change the default payment rules associated with the user's proxy card account. The user can change these default static rules, create new rules, or delete a rule. In an example embodiment, the user can access the proxy card account and modify the rules at any time, including a time immediately before a payment transaction is initiated. In an example embodiment, the user can access the proxy card account using a mobile device application, such as a digital wallet application module executing on the user's mobile computing device. The rules can be maintained on the digital wallet application module, on the user device, or on a server at the payment processing system. Throughout the specification, any of the functions described as being performed by the digital wallet application module or the user computing device can be performed by the payment processing system. Alternatively, any functions described as being performed by the payment processing system can be performed by the digital wallet application module or the user computing device.
- When a user enters a merchant system location to conduct a proxy card transaction, the digital wallet application module on the user computing device can note the location of the user and other environmental factors, such as the time of day or the day of week. The digital wallet application module may access information regarding the environment of the user computing device continuously, when the digital wallet application module is opened on the user computing device, when the user indicates that a transaction is imminent, after a transaction is initiated, when the user computing device enters the location of a merchant system, or at any other suitable time.
- The user computing device can determine the geo-location of the merchant system based on a location application on the user computing device. For example, the user computing device can use global positioning system capabilities of the user computing device or other location determining hardware or software to determine the geo-location of the merchant system. Alternatively, the user can manually identify the location by “checking in” to the location, such as on a social network site or in any suitable manner. A wireless connection between the user computing device and the merchant system point of sale system may alternatively provide location information to the user computing device.
- The user selects a product for purchase. Throughout the specification, the term “product” can refer to any tangible or intangible product or service.
- The user opens or otherwise initiates the digital wallet application module to conduct the transaction with the merchant system by presenting proxy card account information to the merchant system's POS terminal. The digital wallet application module displays a selected backing payment instrument to be used in the transaction with the merchant system when the user presents the proxy card of the user to the merchant system. The digital wallet application module can receive the card selection for the backing instrument from the payment processing system or the digital wallet application module may make the selection. The backing instrument may be selected based on any rules or preferences received from the user at the time of account configuration, at the time of associating payment instruments, or at any suitable time thereafter. In an example rule, the user may have input a preference that a department store utilize a card associated with the department store as the backing instrument whenever the user is at a location of the department store. In another example, a user may have input a preference to utilize a travel rewards card as the backing instrument whenever the user makes a travel related purchase.
- If a user has not provided a rule or a preference that applies to a particular transaction, the payment processing system may recommend a backing instrument to the user based on the selections of other users. The payment processing system can access transaction histories of other users that have multiple backing instruments associated with the account of each user and determine the backing instrument selected for related transactions by each user. The payment processing system can rank the identities of backing instruments selected by other users of the payment processing system. The payment processing system can identify which of the backing instruments that is associated with the user is most often selected by other users. The payment processing system can recommend that the user select the identified backing instrument for use in the transaction with the merchant system.
- In certain example embodiments, the user does not provide any initial rules or preferences to the payment processing system. The payment processing system or the user can select a default backing instrument and employ the default backing instrument for all transactions unless the user selects an alternative backing instrument.
- The digital wallet application module can indicate to the user that a backing instrument selected by the digital wallet application module or the payment processing system will be utilized for a transaction that may be forthcoming while at the current location of the user. The indication can be a display of the backing instrument by the digital wallet application module on the user computing device when the user accesses the proxy card account on the digital wallet application module. Any suitable indication can be employed to alert the user to the selected backing instrument.
- In certain example embodiments, the user is not provided with an indication of the backing instrument selected by the digital wallet application module for use in the transaction with the merchant system. The payment processing system can make the backing instrument selection and conduct the transaction with the selected backing instrument.
- The user can conduct the transaction with the selected backing instrument or the user can indicate to the digital wallet application module that an alternate backing instrument is preferred. For example, the user can access a list of backing instruments on the user computing devise. The list of backing instruments can be presented on the digital wallet application module and the user can select a backing instrument that is different from the backing instrument selected by the payment processing system. Any other manner of choosing and selecting an alternate backing instrument can be employed by the user and the digital wallet application module. Then, the user can conduct the proxy card transaction with the merchant system using the alternate backing instrument as the backing instrument.
- The digital wallet application module can log the circumstances of the transaction and the alternate backing instrument selected by the user. The circumstances can be stored in the user account on the digital wallet application module and/or the payment processing system. The circumstances can include any information associated with the transaction, such as the location of the merchant system, the identity of the merchant system, the category of the merchant system, the time of day, the day of the week, the season of the year, the environmental conditions, or an other suitable information.
- The stored information can be included in a model of user preferences to be utilized in future card selections and recommendations. As the model gathers more useful information regarding the selections and preferences of the user, the payment processing system can make better backing instrument selections for the user. For example, the model may determine that while the user indicated a preference to use a particular credit card associated with an employer as the backing instrument, the user may prefer to use a personal credit card on the weekend. In another example, the model may determine that while the user indicated a preference to use a travel rewards credit card as the backing instrument for most restaurant purchases, the user prefers a personal debit card at coffee shops. In another example, the model may determine that the user prefers to use a business credit card as the backing instrument for all expenses when traveling to a particular city, such as the location of the corporate office of the user's employer. Any other suitable determinations may be predicted by the model based on the information logged with user transactions.
- The model can determine from the user actions that a rule should be ignored or modified in certain circumstances. The payment processing system can use the model for selecting a backing instrument during future transactions. In an example, a user may have established a rule that selects a particular backing instrument for all airline flights. However, in the previous two transactions with a particular airline, the user has changed the backing instrument to an alternate backing instrument. The model can recognize a subsequent pending transaction with the particular airline, and the payment processing system can select the alternate backing instrument instead of the backing instrument the rule would have required.
- Alternatively, the payment processing system can direct the digital wallet application module to provide the alternate backing instrument as an option to the user. For example, the digital wallet application module can indicate which backing instrument would be selected by the rules, but offer the user an optional backing instrument based on history of the user with the particular airline.
- In an alternate embodiment, the features of the invention can be utilized in a transaction with the merchant system that is initiated by using a magnetic stripe card, RFID, smartcard, or any other physical payment instrument. The merchant system can initiate the transaction after receiving the user account information from the magnetic stripe card. The payment processing system or the merchant system can transmit a request to the user computing device to enter a backing instrument or a notice of the pre-selected backing instrument. The user can acknowledge the selection, make a new selection, or take no action.
- In an alternate embodiment, all of the processes can be performed in an online transaction. The user computing device may attempt a transaction with an online merchant system. The merchant system can submit the transaction and the merchant system details. The payment processing system can determine the conditions of the transaction, such as the identity of the merchant system, the category of the merchant system, the time of day, the day of the week, the season of the year, or other suitable information. The backing instrument selection and any alternate backing instrument selection by the user can be performed in a similar manner to the example embodiments described herein.
- The functionality of the example embodiments will be explained in more detail in the following description, read in conjunction with the figures illustrating the program flow.
- Turning now to the drawings, in which like numerals represent like (but not necessarily identical) elements throughout the figures, example embodiments are described in detail.
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FIG. 1 is a block diagram depicting a system for selecting backing instruments, in accordance with certain example embodiments. As depicted inFIG. 1 , thesystem 100 includesnetwork devices more networks 105. - Each
network 105 includes a wired or wireless telecommunication means by which network devices (includingdevices network 105 can include a local area network (“LAN”), a wide area network (“WAN”), an intranet, an Internet, a mobile telephone network, or any combination thereof. Throughout the discussion of example embodiments, it should be understood that the terms “data” and “information” are used interchangeably herein to refer to text, images, audio, video, or any other form of information that can exist in a computer-based environment. - Each
network device network 105. For example, eachnetwork device FIG. 1 , thenetwork devices - The
user 101 can use thecommunication application 112, which may be, for example, a web browser application or a stand-alone application, to view, download, upload, or otherwise access documents or web pages via a distributednetwork 105. Thenetwork 105 includes a wired or wireless telecommunication system or device by which network devices (includingdevices network 105 can include a local area network (“LAN”), a wide area network (“WAN”), an intranet, an Internet, storage area network (SAN), personal area network (PAN), a metropolitan area network (MAN), a wireless local area network (WLAN), a virtual private network (VPN), a cellular or other mobile communication network, Bluetooth, NFC, or any combination thereof or any other appropriate architecture or system that facilitates the communication of signals, data, and/or messages. - The
communication application 112 can interact with web servers or other computing devices connected to thenetwork 105, including the point ofsale terminal 134 of themerchant system 130, themerchant server 135 of themerchant system 130, and theweb server 144 of thepayment processing system 140. - The
user network device 110 may include a digitalwallet application module 111. The digitalwallet application module 111 may encompass any application, hardware, software, or process theuser device 110 may employ to assist theuser 101 in completing a purchase. The digitalwallet application module 111 can interact with thecommunication application 112 or can be embodied as a companion application of thecommunication application 112. As a companion application, the digitalwallet application module 111 executes within thecommunication application 112. That is, the digitalwallet application module 111 may be an application program embedded in thecommunication application 112. - The
user device 110 can include aproxy card application 115. Theproxy card application 115 can interact with thecommunication application 112 or be embodied as a companion application of thecommunication application 112 and execute within thecommunication application 112. Theproxy card application 115 may further be embodied as a companion application of the digitalwallet application module 111 and execute within the digitalwallet application module 111. Theproxy card application 115 may employ a software interface for configuration that may open in the digitalwallet application module 111 or may open in theweb browser application 112. Alternatively, theproxy card application 115 may be execute on theuser device 110 independent of the digitalwallet application module 111 and thecommunication application 112. - The
proxy card application 115 is operable to allow auser 101 to configure a proxy card account on theuser device 110 and thepayment processing system 140. Theproxy card application 115 can allow theuser 101 to set rules, confirm transactions, select preferred cards for a transaction, receive notice of a card selection, and provide other suitable services. Any functions of theproxy card application 115 can be performed by the digitalwallet application module 111. Any function of thedigital wallet application 111 can be performed by theproxy card application 115. - The
user device 110 also includes adata storage unit 113 accessible by the digitalwallet application module 111, theproxy card application 115, and thecommunication application 112. The exampledata storage unit 113 can include one or more tangible computer-readable storage devices. Thedata storage unit 113 can be stored on theuser device 110 or can be logically coupled to theuser device 110. For example, thedata storage unit 113 can include on-board flash memory and/or one or more removable memory cards or removable flash memory. - The
user 101 may use theuser device 110 or other network device to register theproxy card application 115 and/or access the payment processing system account of theuser 101. Theuser device 110 may comprise appropriate technology that includes or is coupled to a web server. - The proxy card or other payment instrument can be represented as a
magnetic strip card 120. Themagnetic stripe card 120 can be a physical payment card comprising a magnetic stripe or other machine-readable portion comprising the user's proxy card account identifier and other payment information. In this case, the user scans or swipes themagnetic stripe card 120 at themerchant POS terminal 134 to communicate the proxy card account identifier and other transaction data to thePOS terminal 134. Additionally or alternatively, themagnetic stripe card 120 can be represented as any other suitable payment instrument, such as an RFID device or a smartcard. - The
payment processing system 140 includes adata storage unit 147 accessible by theweb server 144. The exampledata storage unit 147 can include one or more tangible computer-readable storage devices. Thepayment processing system 140 is operable to conduct wireless payments between auser 101 and amerchant system 130. Thepayment processing system 140 is further operable to maintain a database to store transactions of themerchant system 130 and theuser 101, recommend automatic payment recipients, and other suitable functions. - The
user 101 can use aweb server 144 on thepayment processing system 140 to view, register, download, upload, or otherwise access thepayment processing system 140 via a website (not illustrated) and a communication network 105). Theuser 101 associates one or more registered financial card accounts, including bank account debit cards, credit cards, gift cards, loyalty cards, coupons, offers, prepaid offers, store rewards cards, or other type of financial account that can be used to make a purchase or redeem value-added services with a payment account of theuser 101. Thecard issuer 170 may be the issuer of the financial account being registered. For example, the card issuer, may be a credit card issuer, a debit card issuer, a stored value issuer, a financial institution providing an account, or any other provider of a financial account. Thepayment processing system 140 also may function as the issuer for the associated financial account. The user's 101 registration information is saved in the payment processing system's 140data storage unit 147 and is accessible the byweb server 144. - The
user 101 also may use theweb server 144 to define payment rules. The creation of a backing instrument model for a user is discussed in more detail hereinafter with reference to the methods described inFIG. 2 . - The
merchant system 130 may use aweb server 135 to view, download, upload, create offers, sell products online, or otherwise access thepayment processing system 140 via awebsite 136 and acommunication network 105. Themerchant system 130 represents an entity that offers products for theuser 101 to purchase or use. Themerchant system 130 includes aPOS terminal 134. ThePOS terminal 134 may be operated by a salesperson that enters the purchase data into thePOS terminal 134 to complete the purchase transaction. Themerchant system 130 may be a physical location or an online merchant. - The
user 101 may request a purchase from themerchant system 130. In an example embodiment, the purchase is initiated by a wireless “tap” of themobile device 110 with thePOS terminal 134. In an alternative example embodiment, the purchase is initiated when theuser 101 enters an account identification number at thePOS terminal 134 or in themobile device 110. In another alternative example embodiment, the purchase is initiated online with themerchant server 135. The purchase may be initiated via the merchant website (not pictured). In yet another alternative example embodiment, the purchase is initiated by use of a permanent/temporary virtual/physical token, QR code, bar code, or other suitable machine-readable medium captured by thePOS terminal 134. The merchant'sPOS terminal 134 interacts with an acquirer, the card network, thepayment processing system 140, and the issuer. - The example methods illustrated in
FIG. 2 are described hereinafter with respect to the components of theexample operating environment 100. The example methods ofFIG. 2 may also be performed with other systems and in other environments. -
FIG. 2 is a block flow diagram depicting amethod 200 for selecting a preferred card in a proxy card payment transaction, in accordance with certain example embodiments. - With reference to
FIGS. 1 and 2 , inblock 205, thepayment processing system 140 issues a proxy card account to theuser 101. In an example embodiment, theuser 101 requests a proxy card using aweb server 144, and the proxy card is mailed to theuser 101. Theuser 101 may be issued an account number to be used for transactions via the Internet before or after a physical card is received. In an alternative example embodiment, thepayment processing system 140 mails an inactivated proxy card to theuser 101. The proxy card is then activated by theuser 101 before use. In an alternative example embodiment, a physical proxy card is not issued. The proxy card account information can be stored in theuser device 110 and is used to make a payment via a NFC, Bluetooth, barcode, Wi-Fi, or other form of wireless tap of theuser device 110 with the point of sale (“POS”)terminal 134. In an alternative example embodiment, the purchase is initiated when theuser 101 enters an account identification number at thePOS terminal 134 or in theuser device 110. The account identification number may be the proxy card account number or a different number that links the payment transaction to the proxy card account. In yet another alternative example embodiment, a purchase is initiated by use of a permanent/temporary virtual/physical token QR code, bar code, or other suitable machine-readable medium that is read by thePOS terminal 134. In these cases, thePOS terminal 134 may comprise a scanner, camera, or other reading device that captures the proxy account information, such as a bar code or QR reader or other suitable reading device. The proxy account information may be printed in paper or other form. - The
user 101 creates a newpayment processing system 140 account or links the proxy card to an existing account on thepayment processing system 140. Thepayment processing system 140 also may create or update an account on aproxy card application 115 on theuser device 110 or on a digitalwallet application module 111 on theuser device 110. The digitalwallet application module 111 may haveproxy card application 115 operating on the digitalwallet application module 111, or theproxy card application 115 may operate independently of the digitalwallet application module 111. All functions throughout the specification described as being performed by the digitalwallet application module 111 may be performed by theproxy card application 115. - In
block 210, theuser 101 activates the proxy card and associates one or more financial instrument accounts (for example, debit cards, credit cards, gift cards/stored value cards, loyalty cards/reward cards, peer-to-peer payment accounts, coupons, prepaid or other offers, and other accounts used to make a purchase or redeem value added services) with the proxy card account. In an example embodiment, theuser 101 associates multiple financial instrument accounts with the proxy card account. Theuser 101 may perform this block by inputting identifying information for each financial payment instrument account. Theuser 101 may input the identifying information for each financial payment instrument account into the digitalwallet account module 111, into a user interface of the paymentprocessing system server 144, or any other suitable user interface. - In an example embodiment, one or more financial instrument account(s) are maintained by the
payment processing system 140 and other payment instrument systems. In an alternative example embodiment, thepayment processing system 140 maintains one or more of the financial instrument accounts and acts as the issuer for that financial instrument account. In another example embodiment, the financial instrument accounts are maintained by more than one payment instrument systems, including thepayment processing system 140. Additionally or alternatively, one or more of the financial instrument accounts are issued by thecard issuer 170. - In
block 215, theuser 101 establishes rules for selecting a payment instrument in a transaction. Theuser 101 sets rules or preferences specifying which financial account will be accessed and used as the backing instrument when a proxy card transaction is attempted. Theuser 101 can then add, delete, or change the default payment rules associated with the user's proxy card account. Theuser 101 can change these default static rules, create new rules, or delete a rule. - In an example embodiment, the
user 101 can access the proxy card account and modify the rules at any time, including a time immediately before a payment transaction is initiated. In an example embodiment, theuser 101 can access the proxy card account using a mobile device application, such as a digitalwallet application module 111 executing on the user'smobile computing device 110. The rules can be maintained on the digitalwallet application module 111, on theuser device 110, or on a server at thepayment processing system 140. - Any of the functions described as being performed by the digital
wallet application module 111 or theuser computing device 110 can be performed by thepayment processing system 140. Alternatively, any functions described as being performed by thepayment processing system 140 can be performed by the digitalwallet application module 111 or theuser computing device 110. - In
block 220, auser 101 enters amerchant system 130 location to conduct a transaction. Themerchant system 130 can be a store, restaurant, amusement park, gas station, airline, hotel, vendor, contractor or anysuitable merchant system 130 that offers products for sale. The term “product” represents any tangible or intangible products, as well as services. - When a
user 101 enters a merchant location to conduct a proxy card transaction, the digitalwallet application module 111 on theuser computing device 110 can note the location of theuser 101 and other environmental factors, such as the time of day or the day of week. The digitalwallet application module 111 may access information regarding the environment of theuser computing device 110 continuously, when the digitalwallet application module 111 is opened on theuser computing device 110, when theuser 101 indicates that a transaction is imminent, after a transaction is initiated, when theuser computing device 110 enters the location of amerchant system 130, or at any other suitable time. - The
user computing device 110 can determine the geo-location of themerchant system 130 based on a location application on theuser computing device 110. For example, theuser computing device 110 can use global positioning system capabilities of theuser computing device 110 or other location determining hardware or software to determine the geo-location of themerchant system 130. Alternatively, theuser 101 can manually identify the location by “checking in” to the location, such as on a social network site or in any suitable manner. A wireless connection between theuser computing device 110 and themerchant system 130 point of sale (“POS”) terminal 134 may alternatively provide location information to theuser computing device 110. - In
block 225, thepayment processing system 140 selects a payment instrument for use a transaction with themerchant system 130. Theuser 101 opens or otherwise initiates the digitalwallet application module 111 to conduct the transaction with themerchant system 130 by presenting proxy card account information to the merchant'sPOS terminal 134. The digitalwallet application module 111 displays a selected backing payment instrument to be used in the transaction with themerchant system 130 when theuser 101 presents the proxy card of theuser 101 to themerchant system 130. The digitalwallet application module 111 can receive the card selection for the backing instrument from thepayment processing system 140 or the digitalwallet application module 111 may make the selection. The backing instrument may be selected based on any rules or preferences received from theuser 101 at the time of account configuration, at the time of associating payment instruments, or at any suitable time thereafter. - In an example rule, the
user 101 may input a preference that a department store utilize a card associated with the department store as the backing instrument whenever theuser 101 is at a location of the department store. In another example, auser 101 may input a preference to utilize a travel rewards card as the backing instrument whenever theuser 101 makes a travel related purchase. In another example, theuser 101 may input a preference to use a card associated with a fuel provider for all purchases at gas stations. In another example, theuser 101 may input a preference to use a particular card for any transaction being conducted in a foreign currency. Any other suitable rule can be established by theuser 101 and utilized by thepayment processing system 140 and the digitalwallet application module 111. - If a
user 101 has not provided a rule or a preference that applies to a particular transaction, thepayment processing system 140 may recommend a backing instrument to theuser 101 based on the selections of other users. Thepayment processing system 140 can access transaction histories of other users that have multiple backing instruments associated with the account of each user and determine the backing instrument selected for related transactions by each user. Thepayment processing system 140 can rank the identities of backing instruments selected by other users of thepayment processing system 140. Thepayment processing system 140 can identify which of the backing instruments that is associated with the user is most often selected by other users. Thepayment processing system 140 can recommend that theuser 101 select the identified backing instrument for use in the transaction with themerchant system 130. - In certain example embodiments, the
user 101 does not provide any initial rules or preferences to thepayment processing system 140. Thepayment processing system 140 or theuser 101 can select a default backing instrument and employ the default backing instrument for all transactions unless theuser 101 selects an alternative backing instrument. - The digital
wallet application module 111 can indicate to theuser 101 that a backing instrument selected by the digitalwallet application module 111 or thepayment processing system 140 will be utilized for a transaction that may be forthcoming while at the current location of theuser 101. The indication can be a display of the backing instrument by the digitalwallet application module 111 on theuser computing device 110 when the user accesses the proxy card account on the digitalwallet application module 111. Any suitable indication can be employed to alert theuser 101 to the selected backing instrument. - In certain example embodiments, the
user 101 is not provided with an indication of the backing instrument selected by the digitalwallet application module 111 for use in the transaction with themerchant system 130. Thepayment processing system 140 can make the backing instrument selection and conduct the transaction with the selected backing instrument. - In
block 230, thepayment processing system 140 receives a selection of an alternative payment instrument to use in the transaction with themerchant system 130 from theuser 101. The selection of an alternative payment instrument is optional for theuser 101. Theuser 101 may decide to use the payment instrument that is recommended or is the default payment instrument. In the example, theuser 101 can conduct the transaction with the selected backing instrument or theuser 101 can indicate to the digitalwallet application module 111 that an alternate backing instrument is preferred. For example, theuser 101 can access a list of backing instruments on the user computing devise 110. The list of backing instruments can be presented on the digitalwallet application module 111 and theuser 101 can select a backing instrument that is different from the backing instrument selected by thepayment processing system 140. Any other manner of choosing and selecting an alternate backing instrument can be employed by theuser 101 and the digitalwallet application module 111. - In an alternate example, the digital
wallet application module 111 can make a request to theuser 101 to provide a selection of a backing instrument after the transaction is initiated with themerchant system 130. For example, theuser 101 can tap theuser device 110 against aPOS terminal 134 or theuser 101 can swipe a magnetic stripe at aPOS terminal 134. Then, the digitalwallet application module 111 can ask theuser 101 to make a selection of a backing instrument after the transaction is initiated. The digitalwallet application module 111 can display a message to theuser 101 to select the backing instrument. Alternatively, thePOS terminal 134 can display the message to theuser 101 to select a backing instrument. Theuser 101 can select the backing instrument on theuser device 110, thePOS terminal 134, or another suitable location. For example, theuser 101 can select a backing instrument from a list on the digitalwallet application module 111. - The
user 101 can input the backing instrument selection into the digitalwallet application module 111, into a user interface of the paymentprocessing system server 144, or any other suitable user interface. Thepayment processing system 140 can receive the selection and stored the selection in a database, on the on thedata storage unit 147, or any suitable data storage location. The backing instrument selection may be stored in a location that thepayment processing system 140 can access for use in producing or modifying the model of theuser 101 and for use in making future backing instrument selections and recommendations. - In
block 235, theuser 101 can conduct the proxy card transaction with themerchant system 130 using the alternate backing instrument as the backing instrument. That is, theuser device 110 can transmit the proxy card information to thePOS terminal 134, and themerchant system 130 can conduct the transaction with thepayment processing system 140. For example, theuser 101 can transmit the proxy card information via an NFC, BLUETOOTH, barcode, Wi-FI, infrared or other wireless transmission technology to thePOS terminal 134. Alternatively, the user can provide a magnetic stripe card to thePOS terminal 134. Any suitable manner of providing the proxy card information to themerchant system 130 can be utilized. - The
merchant system 130 can recognize that the proxy card is associated with thepayment processing system 140 and can contact thepayment processing system 140. Themerchant system 130 can provide the transaction request and transaction details to thepayment processing system 140 and the transaction can be conducted. Thepayment processing system 140 can create a second transaction request with the issuer of the selected backing instrument and conduct a second transaction with the issuer of the selected backing instrument. After receiving an authorization for the transaction from the issuer of the selected backing instrument, thepayment processing system 140 can provide an authorization for the transaction request from themerchant system 130. In an alternate example, themerchant system 130 can provide the transaction request to a card network and the card network can recognize that thepayment processing system 140 is the issuer of the proxy card. Any other participant of the transaction can recognize the proxy card and direct the transaction request to thepayment processing system 140. - In
block 240, thepayment processing system 140 incorporates the circumstances of the transaction into a card selection model of theuser 101. The digitalwallet application module 111 can log the circumstances of the transaction and the alternate backing instrument selected by theuser 101. The circumstances can be stored in the user account on the digitalwallet application module 111 and/or thepayment processing system 140. The circumstances can include any information associated with the transaction, such as the location of themerchant system 130, the identity of themerchant system 130, the category of themerchant system 130, the time of day, the day of the week, the season of the year, the environmental conditions, or an other suitable information. - In
block 245, thepayment processing system 140 utilizes the card selection model in future transactions. The stored information can be included in a model of user preferences to be utilized in future card selections and recommendations. As the model gathers more useful information regarding the selections and preferences of theuser 101, thepayment processing system 140 can make better backing instrument selections for theuser 101. For example, the model may determine that while theuser 101 indicated a preference to use a particular credit card associated with an employer as the backing instrument, theuser 101 may prefer to use a personal credit card on the weekend. In another example, the model may determine that while theuser 101 indicated a preference to use a travel rewards credit card as the backing instrument for most restaurant purchases, theuser 101 prefers a personal debit card at coffee shops. In another example, the model may determine that theuser 101 prefers to use a business credit card as the backing instrument for all expenses when traveling to a particular city, such as the location of the corporate office of the employer of theuser 101. Any other suitable determinations may be predicted by the model based on the information logged with transactions of theuser 101. - The model can determine from the actions of the
user 101 that a rule should be ignored or modified in certain circumstances. Thepayment processing system 140 can use the model for selecting a backing instrument during future transactions. In an example, auser 101 may have established a rule that selects a particular backing instrument for all airline flights. However, in the previous two transactions with a particular airline, theuser 101 has changed the backing instrument to an alternate backing instrument. The model can recognize a subsequent pending transaction with the particular airline, and thepayment processing system 140 can select the alternate backing instrument instead of the backing instrument the rule would have required. - Alternatively, the
payment processing system 140 can direct the digitalwallet application module 111 to provide the alternate backing instrument as an option to theuser 101. For example, the digitalwallet application module 111 can indicate which backing instrument would be selected by the rules, but offer theuser 101 an optional backing instrument based on history of theuser 101 with the particular airline. - In an alternate example, the
payment processing system 140 can provide a recommendation to theuser 101 to override the rules for a certain period of time based the situation of theuser 101. The determination can be made based on a set of conditions recognized by the model. For example, the model may recognize that the circumstances of theuser 101 indicate that a business trip is ongoing. The model may determine thatuser 101 is on a business trip based on the location of the user, the repeated use of a company credit card, themerchant systems 130 frequented, or any other circumstance received by the model. The digitalwallet application module 111 can display an option to theuser 101 to override the rules and employ a company credit card or a set of cards with until theuser 101 returns to the city of residence of theuser 101 or until theuser 101 cancels the overriding of the rules. Theuser 101 can select the option to change to the company credit card and enter the selection into the digitalwallet application module 111. In another example, thepayment processing system 140 can recognize that theuser 101 is in a location that indicates that theuser 101 is on a vacation. The digitalwallet application module 111 can display an option to theuser 101 to override the rules and employ a travel rewards credit card until the user returns to the city of residence of theuser 101 or until theuser 101 cancels the overriding of the rules. Any other set of user circumstances can be recognized by thepayment processing system 140 that cause the to digitalwallet application module 111 to provide theuser 101 with a request to suspend or alter the rules. - In an alternate embodiment, the
payment processing system 140 can allow theuser 101 to maintain more than one model. That is, theuser 101 may have a model for weekends, a different model for weekdays, a different model for vacations, or a model for any other aspect of the user's 101 activities. Theuser 101 or thepayment processing system 140 can establish different rules for the different models, and thepayment processing system 140 can modify the rules for the different models as described herein. In an example embodiment, the models can be determined based on a set of conditions recognized by the model. Thepayment processing system 140 can recognize that a different model would be more appropriate based on the activities of theuser 101, and recommend to theuser 101 to switch the model being utilized. - In an example, the
payment processing system 140 may recognize that the circumstances of theuser 101 indicate that a business trip is ongoing. The model may determine thatuser 101 is on a business trip based on the location of the user, the repeated use of a company credit card, themerchant systems 130 frequented, or any other circumstance received by the model. The digitalwallet application module 111 can display an option to theuser 101 to switch to a business travel model of theuser 101. Theuser 101 can select the option to change to the business travel model and enter the selection into the digitalwallet application module 111. In another example, thepayment processing system 140 can recognize that theuser 101 is in a location that indicates that theuser 101 is on a vacation. Thepayment processing system 140 can automatically switch to the corresponding model for the user. Alternatively, the digitalwallet application module 111 can display an option to theuser 101 to switch to a vacation model of theuser 101 until the user returns to the city of residence of theuser 101 or until theuser 101 cancels the overriding of the rules. Any other set of user circumstances can be recognized by thepayment processing system 140 that cause the to digitalwallet application module 111 to provide theuser 101 with a request to suspend or alter the rules. - In another example, the
user 101 selects a different model by making a selection of the model to be utilized before theuser 101 begins a business trip, vacation, weekend, or any other activity or time frame that would require a different model. In another example, the model to be used can be scheduled based on a calendar or other time based program. For example, theuser 101 can configure thepayment processing system 140 to use a business model during working hours and switch to a personal model after hours and on the weekends. - In an alternate embodiment, all of the processes can be performed in an online transaction. The user computing device may attempt a transaction with an
online merchant system 130. Themerchant system 130 can submit the transaction and the merchant details. Thepayment processing system 140 can determine the conditions of the transaction, such as the identity of themerchant system 130, the category of themerchant system 130, the time of day, the day of the week, the season of the year, or other suitable information. The backing instrument selection and any alternate backing instrument selection by theuser 101 can be performed in a similar manner to the example embodiments described herein. -
FIG. 3 depicts acomputing machine 2000 and amodule 2050 in accordance with certain example embodiments. Thecomputing machine 2000 may correspond to any of the various computers, servers, mobile devices, embedded systems, or computing systems presented herein. Themodule 2050 may comprise one or more hardware or software elements configured to facilitate thecomputing machine 2000 in performing the various methods and processing functions presented herein. Thecomputing machine 2000 may include various internal or attached components such as aprocessor 2010,system bus 2020,system memory 2030,storage media 2040, input/output interface 2060, and anetwork interface 2070 for communicating with anetwork 2080. - The
computing machine 2000 may be implemented as a conventional computer system, an embedded controller, a laptop, a server, a mobile device, a smartphone, a set-top box, a kiosk, a vehicular information system, one more processors associated with a television, a customized machine, any other hardware platform, or any combination or multiplicity thereof. Thecomputing machine 2000 may be a distributed system configured to function using multiple computing machines interconnected via a data network or bus system. - The
processor 2010 may be configured to execute code or instructions to perform the operations and functionality described herein, manage request flow and address mappings, and to perform calculations and generate commands. Theprocessor 2010 may be configured to monitor and control the operation of the components in thecomputing machine 2000. Theprocessor 2010 may be a general purpose processor, a processor core, a multiprocessor, a reconfigurable processor, a microcontroller, a digital signal processor (“DSP”), an application specific integrated circuit (“ASIC”), a graphics processing unit (“GPU”), a field programmable gate array (“FPGA”), a programmable logic device (“PLD”), a controller, a state machine, gated logic, discrete hardware components, any other processing unit, or any combination or multiplicity thereof. Theprocessor 2010 may be a single processing unit, multiple processing units, a single processing core, multiple processing cores, special purpose processing cores, co-processors, or any combination thereof. According to certain embodiments, theprocessor 2010 along with other components of thecomputing machine 2000 may be a virtualized computing machine executing within one or more other computing machines. - The
system memory 2030 may include non-volatile memories such as read-only memory (“ROM”), programmable read-only memory (“PROM”), erasable programmable read-only memory (“EPROM”), flash memory, or any other device capable of storing program instructions or data with or without applied power. Thesystem memory 2030 may also include volatile memories such as random access memory (“RAM”), static random access memory (“SRAM”), dynamic random access memory (“DRAM”), synchronous dynamic random access memory (“SDRAM”). Other types of RAM also may be used to implement thesystem memory 2030. Thesystem memory 2030 may be implemented using a single memory module or multiple memory modules. While thesystem memory 2030 is depicted as being part of thecomputing machine 2000, one skilled in the art will recognize that thesystem memory 2030 may be separate from thecomputing machine 2000 without departing from the scope of the subject technology. It should also be appreciated that thesystem memory 2030 may include, or operate in conjunction with, a non-volatile storage device such as thestorage media 2040. - The
storage media 2040 may include a hard disk, a floppy disk, a compact disc read only memory (“CD-ROM”), a digital versatile disc (“DVD”), a Blu-ray disc, a magnetic tape, a flash memory, other non-volatile memory device, a solid state drive (“SSD”), any magnetic storage device, any optical storage device, any electrical storage device, any semiconductor storage device, any physical-based storage device, any other data storage device, or any combination or multiplicity thereof. Thestorage media 2040 may store one or more operating systems, application programs and program modules such asmodule 2050, data, or any other information. Thestorage media 2040 may be part of, or connected to, thecomputing machine 2000. Thestorage media 2040 may also be part of one or more other computing machines that are in communication with thecomputing machine 2000 such as servers, database servers, cloud storage, network attached storage, and so forth. - The
module 2050 may comprise one or more hardware or software elements configured to facilitate thecomputing machine 2000 with performing the various methods and processing functions presented herein. Themodule 2050 may include one or more sequences of instructions stored as software or firmware in association with thesystem memory 2030, thestorage media 2040, or both. Thestorage media 2040 may therefore represent examples of machine or computer readable media on which instructions or code may be stored for execution by theprocessor 2010. Machine or computer readable media may generally refer to any medium or media used to provide instructions to theprocessor 2010. Such machine or computer readable media associated with themodule 2050 may comprise a computer software product. It should be appreciated that a computer software product comprising themodule 2050 may also be associated with one or more processes or methods for delivering themodule 2050 to thecomputing machine 2000 via thenetwork 2080, any signal-bearing medium, or any other communication or delivery technology. Themodule 2050 may also comprise hardware circuits or information for configuring hardware circuits such as microcode or configuration information for an FPGA or other PLD. - The input/output (“I/O”)
interface 2060 may be configured to couple to one or more external devices, to receive data from the one or more external devices, and to send data to the one or more external devices. Such external devices along with the various internal devices may also be known as peripheral devices. The I/O interface 2060 may include both electrical and physical connections for operably coupling the various peripheral devices to thecomputing machine 2000 or theprocessor 2010. The I/O interface 2060 may be configured to communicate data, addresses, and control signals between the peripheral devices, thecomputing machine 2000, or theprocessor 2010. The I/O interface 2060 may be configured to implement any standard interface, such as small computer system interface (“SCSI”), serial-attached SCSI (“SAS”), fiber channel, peripheral component interconnect (“PCI”), PCI express (PCIe), serial bus, parallel bus, advanced technology attached (“ATA”), serial ATA (“SATA”), universal serial bus (“USB”), Thunderbolt, FireWire, various video buses, and the like. The I/O interface 2060 may be configured to implement only one interface or bus technology. Alternatively, the I/O interface 2060 may be configured to implement multiple interfaces or bus technologies. The I/O interface 2060 may be configured as part of, all of, or to operate in conjunction with, thesystem bus 2020. The I/O interface 2060 may include one or more buffers for buffering transmissions between one or more external devices, internal devices, thecomputing machine 2000, or theprocessor 2010. - The I/
O interface 2060 may couple thecomputing machine 2000 to various input devices including mice, touch-screens, scanners, biometric readers, electronic digitizers, sensors, receivers, touchpads, trackballs, cameras, microphones, keyboards, any other pointing devices, or any combinations thereof. The I/O interface 2060 may couple thecomputing machine 2000 to various output devices including video displays, speakers, printers, projectors, tactile feedback devices, automation control, robotic components, actuators, motors, fans, solenoids, valves, pumps, transmitters, signal emitters, lights, and so forth. - The
computing machine 2000 may operate in a networked environment using logical connections through thenetwork interface 2070 to one or more other systems or computing machines across thenetwork 2080. Thenetwork 2080 may include wide area networks (WAN), local area networks (LAN), intranets, the Internet, wireless access networks, wired networks, mobile networks, telephone networks, optical networks, or combinations thereof. Thenetwork 2080 may be packet switched, circuit switched, of any topology, and may use any communication protocol. Communication links within thenetwork 2080 may involve various digital or an analog communication media such as fiber optic cables, free-space optics, waveguides, electrical conductors, wireless links, antennas, radio-frequency communications, and so forth. - The
processor 2010 may be connected to the other elements of thecomputing machine 2000 or the various peripherals discussed herein through thesystem bus 2020. It should be appreciated that thesystem bus 2020 may be within theprocessor 2010, outside theprocessor 2010, or both. According to some embodiments, any of theprocessor 2010, the other elements of thecomputing machine 2000, or the various peripherals discussed herein may be integrated into a single device such as a system on chip (“SOC”), system on package (“SOP”), or ASIC device. - In situations in which the systems discussed here collect personal information about users, or may make use of personal information, the users may be provided with a opportunity to control whether programs or features collect user information (e.g., information about a user's social network, social actions or activities, profession, a user's preferences, or a user's current location), or to control whether and/or how to receive content from the content server that may be more relevant to the user. In addition, certain data may be treated in one or more ways before it is stored or used, so that personally identifiable information is removed. For example, a user's identity may be treated so that no personally identifiable information can be determined for the user, or a user's geographic location may be generalized where location information is obtained (such as to a city, ZIP code, or state level), so that a particular location of a user cannot be determined. Thus, the user may have control over how information is collected about the user and used by a content server.
- Embodiments may comprise a computer program that embodies the functions described and illustrated herein, wherein the computer program is implemented in a computer system that comprises instructions stored in a machine-readable medium and a processor that executes the instructions. However, it should be apparent that there could be many different ways of implementing embodiments in computer programming, and the embodiments should not be construed as limited to any one set of computer program instructions. Further, a skilled programmer would be able to write such a computer program to implement an embodiment of the disclosed embodiments based on the appended flow charts and associated description in the application text. Therefore, disclosure of a particular set of program code instructions is not considered necessary for an adequate understanding of how to make and use embodiments. Further, those skilled in the art will appreciate that one or more aspects of embodiments described herein may be performed by hardware, software, or a combination thereof, as may be embodied in one or more computing systems. Moreover, any reference to an act being performed by a computer should not be construed as being performed by a single computer as more than one computer may perform the act.
- The example embodiments described herein can be used with computer hardware and software that perform the methods and processing functions described previously. The systems, methods, and procedures described herein can be embodied in a programmable computer, computer-executable software, or digital circuitry. The software can be stored on computer-readable media. For example, computer-readable media can include a floppy disk, RAM, ROM, hard disk, removable media, flash memory, memory stick, optical media, magneto-optical media, CD-ROM, etc. Digital circuitry can include integrated circuits, gate arrays, building block logic, field programmable gate arrays (FPGA), etc.
- The example systems, methods, and acts described in the embodiments presented previously are illustrative, and, in alternative embodiments, certain acts can be performed in a different order, in parallel with one another, omitted entirely, and/or combined between different example embodiments, and/or certain additional acts can be performed, without departing from the scope and spirit of various embodiments. Accordingly, such alternative embodiments are included in the inventions claimed herein.
- Although specific embodiments have been described above in detail, the description is merely for purposes of illustration. It should be appreciated, therefore, that many aspects described above are not intended as required or essential elements unless explicitly stated otherwise. Modifications of, and equivalent components or acts corresponding to, the disclosed aspects of the example embodiments, in addition to those described above, can be made by a person of ordinary skill in the art, having the benefit of the present disclosure, without departing from the spirit and scope of embodiments defined in the following claims, the scope of which is to be accorded the broadest interpretation so as to encompass such modifications and equivalent structures.
Claims (21)
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US20170243192A1 (en) | 2017-08-24 |
US10579981B2 (en) | 2020-03-03 |
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