Technical fallback infrastructure

US10163107B1 · kind B1 · utility

Assignee

• INC SQUARE, CO., LTD · JP

Inventors

• Michael Wells White · San Francisco, US
• Jason Holmes · San Francisco, US
• Martin Mroz · San Francisco, US
• David Terra · San Francisco, US
• Charles Nicholson · Lafayette, US

Key dates

• Filing date: Mar 31, 2016
• Grant date: Dec 25, 2018
• Expiry date: Apr 10, 2037

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F7/1083
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

In some examples, methods and systems may institute technical fallback by determining, by a payment processing system, and based on analysis of the communication status indicator and the data obtained when a magnetic stripe of the payment object is introduced in magnetic stripe object reader, whether the payment object was swiped while an EMV object reader was communicatively coupled to the POS terminal. If the magnetic stripe of the payment object was swiped while the EMV object reader was connected to the POS terminal, the payment processing system extracts a transaction count indicating a number of times the customer has attempted to insert a chip of the payment object into the EMV object reader prior to swiping magstripe. By comparing the transaction count with a threshold count, the payment processing system authorizes the payment transaction as a technical fallback transaction if the transaction count is greater than the threshold count.