System and method for processing payment transaction receipts. RU patent 2518931.

FIELD: physics, computer engineering.

SUBSTANCE: invention relates to methods and a server computer for processing electronic payment receipts. The server computer has an enrolment module, having enrolment information associated with an account for a portable consumer device of a consumer and indicating enrolment in a program for processing electronic payment receipts, a payment processing module for receiving an authorisation request message associated with the transaction of the portable consumer device, wherein the authorisation request message includes transaction information associated with the portable consumer device and for determining if the account associated with the portable consumer device is enrolled in the program for processing electronic payment receipts, and a mobile gateway module for sending an electronic payment receipt to the consumer if the enrolment information indicates that the account is enrolled in the program for processing electronic payment receipts, wherein the electronic payment receipt has financial data associated with the transaction.

EFFECT: high efficiency of conducting electronic payment transactions.

24 cl, 11 dwg

A cross-reference to related applications

This application is nepredvidennyh the patent application and claims the priority of the provisional patent application (USA) № 61/290391, filed on December 28, 2009, all of the content which is contained in this document by reference.

The level of technology

Inherited the process of formation of receipts payments under the transaction when the transaction at the point of sale involves the formation of a paper check payment transactions (for example, the payment receipt) and storing paper copies of the receipt of the payment for the transaction as a consumer and a seller. This existing process paper checks payments under the transaction has many complexities associated with it. Such difficulties include formation and responsible storage of paper checks payments under the transaction consumers and sellers, which is the main operational challenge. Additionally, the formation and responsible storage of paper checks payments under the transaction encompasses extensive inventory management paper, ink cartridges and other consumables that costs and operational overhead. In addition, paper checks payments under the transaction involves an advanced client-intra-Bank complex in the acquirer of the seller for the receipt and processing of cheques payments on transactions in cases of disputes, which also requires costs and operational overhead. Paper checks payments under the transaction are also problematic in that experience frequent disputes due to erase the contents on the paper receipts payments under the transaction. These difficulties have significantly reduced the effectiveness of the existing process transactions. Moreover, the emergence of new products and new form factors for payment provides a need for new ways of management of cheque payments under the transaction, that fit the full capabilities and convenience for consumers.

Embodiments of the invention solve these and other problems individually and collectively.

Summary of the invention

Embodiments of the invention is directed to systems and methods for processing of cheques payments by payment transactions.

One variant of the invention is directed on how to send e-check payments to the consumer. The method includes receiving a message with the authorization associated with the transaction, and the message with the authorization includes information transactions associated with portable household consumer device. The server computer, associated with payment processing network determines, whether registered or not the account associated with portable consumer device, the program of processing electronic check payments. Electronic check payment is sent to the consumer, if the account is registered in the program of processing electronic check payments. Electronic check payment has financial data associated with the transaction.

Another variant of the invention is directed to the server computer. The server computer has a module registration with registration information associated with the account, for portable consumer devices the consumer. Registration information indicates registration in the program of processing electronic check payments. The server computer also includes a module to process payments and to receive the message with the authorization associated with the transaction portable consumer devices. The message with the authorization includes information transactions associated with portable consumer devices. The server computer is additionally includes mobile gateway module for sending electronic check payment to the consumer, if the registration information indicates that the account is registered in the program of processing electronic check payments. Electronic check payment has financial data associated with the transaction.

Another other option of carrying out the invention is directed on the way to accept electronic check payments. The method involves the sending of a message with the authorization associated with the transaction, the server computer, associated with payment processing network. The message with the authorization includes information transactions associated with portable household consumer device. The client then receives an e-check payment with financial data associated with the transaction if the account associated with portable consumer device, registered in the program of processing electronic check payments. The server computer determines, whether registered or not the account processing electronic check payments.

Further detail these and other options for carrying out the invention.

Brief description of drawings

Fig. 1 illustrates the system for formation of paper receipts of payments for the consumer.

Fig. 2(a) and Fig. 2(b) illustrate various portable consumer devices.

Fig. 3 illustrates the approximate receipt of payment.

Fig. 4 is a block diagram of the sequence of operations of the way of forming a paper receipt of payment associated with the transaction of the consumer.

Fig. 5(a) and Fig. 5(b) illustrate the different systems for the formation of an electronic check payments for the consumer.

Fig. 6 illustrates a sample payment processing network for the formation of an electronic check payments for the consumer.

Fig. 7 is a block diagram of the sequence of operations of the way of forming electronic check payment, associated with the transaction of the consumer.

Fig. 8 illustrates a sample format for specifying registration in the program of processing electronic check payments.

Fig. 9 illustrates the block diagram of a sample of computer hardware system.

Detailed description of the invention

Embodiments of the invention involves the replacement of the legacy of the process of formation of the receipt of payment at the transaction (for example, the payment receipt) digital/electronic check payment transaction or equivalent document, which is easier responsible to keep and which reduces the total costs, for example, costs of preparation and processing, in the process. The digitization process of formation and storage of cheque payments under the transaction solves many problems associated with the inherited process, since the receipt of payment will be in electronic form and can be saved and sent via various electronic media. This process not only solves the problem described above, but also provides an environmentally friendly alternative to the existing model. Additionally, through the provision of cheque payments, the user can be notified of the transaction shortly after the transaction is effected. This enables the consumer to take immediate actions in case if the transaction is potentially fraudulent, or if the information on a transaction are not precise (for example, the price of a receipt of payment does not reflect the price that must be paid).

Such variants of implementation for e-check payments are predominant due to increased deployment of transactions on the basis of personal identification numbers (PIN) and on the basis of the crystal under the standard of protection against vulnerability to interception of electromagnetic radiation (EMV), which eliminate the need for consumer signatures on checks of payments transactions.

Cheques payments under the transaction are universally used in the trading terminal and self-service terminals (e.g., ATM) as confirmation of the transaction. Receipt of payment on the transaction contains data on the transaction and details, including the card number, amount, date, information about the seller, etc. In most cases, the seller also offers a separate check payment with the same information and advanced interrupt sale. Most transactions require printing multiple copies for responsible storage by the seller, the consumer and credit card acquirer. This is largely a legacy of the old transaction with card-based printing.

There are some difficulties with the existing system of formation of paper checks of payments transactions. Formation and responsible storage of the receipts of the payments for the transactions made by the consumer and the seller are the main operational challenge. Required for extensive inventory management and service on paper, ink cartridges, etc. for the formation of the receipt of the payment transaction from a terminal to work with the card vendor. You want an advanced client-intra-Bank complex of the seller in the Bank for the receipt and processing of cheques payments under the transaction in case of disputes. Frequent conflicts arise due to the poor quality print and erase print that is inherent disadvantage of the small printer that is used in the terminal. Besides, the existing paper system is environmentally unfriendly.

Embodiments of the invention replaced the process of formation of paper checks payments on credit card transactions more efficient electronic process. This is achieved through the transformation of cheques payments on transactions in electronic format for easy storage and access, eliminating the problem of formation of receipts of payments with access devices (i.e. trading terminal) from the seller, carrying unique information with the cheque payment by credit card to another additional documentation used in the transaction, and giving consumers the ability to access cheques payments on multiple channels. In these cases the implementation of the seller minor changes or no changes are necessary.

On the basis of various external factors, variants the invention, may take a different implementation. Their examples are described below.

Fig. 1 shows the existing system and the process for the formation of paper checks of payments transactions. The system of Fig. 1 includes portable home appliance 102, unit 104 access, the acquirer 108, a network of 110 processing of payments, the Issuer 112 and check 120 payment. Fig. 1 also illustrates the interaction between these elements.

In a typical transaction, the consumer can purchase goods or services from the seller to the use of portable consumer devices 102. The consumer may be a person or organization, for example, a firm may buy goods or services. Additionally, the user can manage the client computer in order to carry out transactions with the seller. The client computer may be a desktop computer, portable computer, wireless phone, personal digital assistants (PDAs), etc. The client computer may use any suitable operating system that includes an operating system based on Windows™. The client computer can be used to interact with the seller (for example, through the device 104 access seller or through the web site of the seller).

Payment transaction is initiated when a consumer uses a portable home appliance 102 in the device 104 access, which is from the seller. The acquirer 108, which is a financial institution, an associate with the seller, can receive information transactions from the device 104 access from the seller. The acquirer 108 redirects transaction information in the network of 110 payment processing, which then forwards the information transactions in the Issuer 112 to confirm the transaction. The Issuer 112 a financial institution associated with portable consumer device 102. Confirmation (or denial) of the transaction ultimately goes back into the device 104 access to complete the transaction.

Portable home appliance 102 is a device for payment, which may be of any suitable form. For example, portable client device 102 can be portable and compact, so it fits in your wallet and/or pocket of the consumer (for example, pocket). Portable home appliance 102 can also be smart card, normal credit or debit card (with a magnetic strip and without microprocessor), device-remote (for example, Speedpass™offered on the market by Exxon-Mobil Corp.) etc. Other examples of portable consumer devices include cell phones, PDAs, devices, search call, payment cards, cards, access cards, storage devices, such as smart cards, transponders and other Portable client device 32 may also be debit device (such as a debit card, a credit device (such as a credit card) or a device with a stored-value (for example, a card with stored-value). Portable home appliance 102 may also take the form of a virtual account.

Fig. 2(a) shows an example of portable consumer devices 102' in the form of a mobile phone. Machine-readable medium 206 can be a memory device that stores the data, and may be of any suitable form including magnetic stripe, crystal storage device that uniquely received the keys encryption algorithms, etc. Machine-readable medium 206 preferably also stores information such as financial information, information on trips (for example, travel by metro or railway transport), information on access (such as ID badges with the function access), etc. Financial information can include information such as Bank account information, identification number of the Bank (BIN), information on the credit or debit card number, information on the account balance, date of expiration, consumer information, for example, name, date of birth, etc. Any of this information may be transferred by means of portable consumer devices 102'.

The information in the storage device can also take the form data tracks that are traditionally associated with credit cards. These tracks include track 1 and track 2. Track 1 (international air transport Association) stores more information than track 2, and contains the name of the card holder and account number and other discretionary data. This track is sometimes used by airlines for the provision of reservation by credit card. Track 2 (American banking Association) is currently using most. This track is read by means of ATM and modules check credit cards. ABA (American banking Association) developed a specification of the track, and all world banks must comply. It contains the account of the card holder, encrypted PIN code, as well as other discretionary data.

Portable home appliance 102' may also include processor 208 (such as the microprocessor) to handle features of portable consumer devices 102' and display 210 to give the consumer an opportunity to see phone numbers and other information and messages. Portable home appliance 102' extras can include elements 212 enter to enable the user to enter information in your device, speaker 216 to give the consumer an opportunity to listen to voice communication, music, etc. and microphone 204 to give the consumer an opportunity to pass it through portable home appliance 102'. Portable home appliance 102' may also include the antenna 202 for wireless data transmission (for example, data transmission).

If a portable home appliance 102 has the form of a debit, credit or a smart card, portable home appliance 102 well as optional may be signs such as magnetic stripes. Such devices can work in contact or contactless mode.

Fig. 2(b) illustrates an example of portable consumer devices 102" in the form of a payment card in the plastic substrate. Contactless element 224 to communicate with the device 104 access may be present or to be embedded in a plastic substrate for 102". Consumer information 220, such as account number, date of expiration and user name can be typed or printed, embossed on the card. In addition, a magnetic stripe 222 can also be placed on a plastic substrate payment card 102".

As shown in Fig. 2(b), portable home appliance 102" can include both magnetic stripe 222 and contactless element 224. In other variants of implementation, as a magnetic stripe 222 and contactless element 224 can be in portable consumer device 102". In other variants of implementation, or magnetic stripe 222 or contactless element 224 may be present in portable consumer device 102".

The device 104 access is a device used to transmit information of a transaction from the seller to the acquirer 108. The seller may be a person or organization, for example, a firm that can provide goods and services. The device 108 access seller may be any suitable device access interfaces, including trade (POS) terminals, cellular phones, PDA, personal computers (PC), tablet PC, specialized handheld device, read, set-top boxes, electronic cash registers (ECR), ATM, virtual cash registers (VCR), kiosks, security systems, access systems, etc. Device 104 access can interact with portable consumer device 102. For example, consumers who use credit card to purchase a good or service may perform it through the proper slot slot in the device 104 access. Alternatively, the device 104 access can be a contactless reader, and portable consumer device 102 can be contactless device such as a contactless card. As another alternative, the consumer can purchase a product or service through the web site of the seller, and the user enters information credit card in the client computer and clicks the submit button to complete the purchase. Additionally, the client computer can be considered a device 104 access.

The acquirer 108 can support operative communication with the Issuer 112 portable consumer devices 102 through a network of 110 payment processing. The acquirer 108 typically is a Bank that has the account to accept payment by credit card. The Issuer 112 can also be a Bank, but can also be a commercial organization, such as a retail store or company selling mobile phones or the provision of telecommunications services. The Issuer 112 is the object of issuing portable home appliance 102 consumer. Some items are as acquirers and issuers, and the variants of the invention, includes such objects. The acquirer 108 and the Issuer 112 can have the server computer and the database associated with the server computer.

The network of 110 payment processing is between (functionally) acquirer 108 and by the Issuer 112. It may include subsystem, network and data processing operations that are used to maintain and provide authorization services, file services, exceptions and services clearing and settlement. For example, the network of 110 payment processing may include VisaNet™. The network of payment processing, such as VisaNet™, can process credit card transactions, transactions on debit cards and other types of commercial transactions. VisaNet™, in particular, includes the VIP system (system of the United payment by Visa), which handles requests for authorization, and the Base system II, which performs the services of a clearing and settlement.

The process for conducting the transaction and the formation of a paper check 120 payment transactions for consumers, as illustrated in Fig. 1, is the following:

Stage 1. The consumer provides a portable home appliance 102 for settlements on transactions with the seller.

Stage 2. The seller handles the transaction using portable consumer devices 102 using the device 104 access and sends the transaction to the acquirer 108 by sending a message with the authorization request to the acquirer 104.

Stage 3. The acquirer 108 forwards the message with the authorization in the network of 110 payment processing.

Stage 4. The network of 110 payment processing processes the message with the authorization request and sends it to the Issuer 112.

Stage 5. The Issuer 112 receives a message with the authorization request and approves the transaction properly through a redirect message with the answer authorization in the network of 110 payment processing.

Step 6. The network of 110 payment processing accept the response message for authorization and forwards it to the acquirer 108.

Step 7. The acquirer 108 forwards the response message by logging in to the device 104 access from the seller.

Step 8. The device 104 access the seller accepts the response message for authorisation, specifying the confirmation of the transaction in the device 104 access and generates multiple copies of a check 120 payment transaction.

On the basis of the environment of the transaction, the consumer may be required to sign a copy of the seller's receipt 120 payment transaction. However, in some cases, the implementation of the signature may not be required for transactions based on the PIN-code and certain transactions on the basis of EMV chip. Fig. 3 illustrates an example of a check 120 payment transaction.

Fig. 4 shows a block diagram of the sequence of method for the formation of paper checks of payments transactions. When the user initiates a payment transaction to purchase goods or services from the seller, the transaction information must be accepted by the seller through the device 104 access (phase S402). The device 104 access generates a message with the authorization, containing information on the transaction, including the information about fees associated with portable consumer device 102, and sends the message with the authorization request to the acquirer 108 (phase S404). The message with the authorization request is then sent from the acquirer 108 in the network of 110 payment processing, in which it is accepted (S406). The network of 110 payment processing forwards the message with the authorization in the Issuer 112. The Issuer 112 indicates whether or not the transaction is to be confirmed, and sends the message with the answer authorization indicating the acceptance or refusal, in the network of 110 payment processing, in which it is accepted (S408). The network of 110 payment processing and then sends the response message by logging in to the device 104 access seller by the acquirer 108 (S410). After the response message authorization is received from the seller, the device 104 access prints a receipt of payment transactions for signature by the consumer (S412). The device 104 access also prints a receipt of payment transactions for consumers to save for personal needs of the consumer (S414).

Fig. 5(a) and 5(b) illustrate the system for forming an electronic check payments. In one embodiment of the present invention, a network of 110 processing payments (or other suitable object, for example, the Issuer 112) creates a mobile gateway in order to generate and send electronic cheques payments by the transaction as messages recorded or registered users. The user can be logged on to accept cheques payments on transactions in electronic form. Registration can be done by the user in whatever way is appropriate, such as a phone call to registration center through portable home appliance 102, through email, through the web site to register in the program of processing electronic check payments etc. In addition, the user can specify wants or not the consumer to stop receiving paper checks payments under the transaction after transaction, or wants or not the consumer to take as a paper check payment transactions and electronic check payment transaction. Additionally, the user can specify how the user wants to receive e-check payment (for example, by e-mail, via text message, etc).

Fig. 5(a) shows the system in accordance with the option of carrying out the invention. Components (portable home appliance 102, unit 104 access, the acquirer 108, a network of 110 processing of payments, the Issuer 112) are similar components, is shown in Fig. 1. The process for the electronic receipt of payment for custom devices 114 described below. It should be noted that the device 114 can be any device used by a consumer who accept electronic check payment, including, but not limited to, mobile phone, PDA, device search call, computer, etc.

Step 11. The consumer provides a portable home appliance 102 for settlements on transactions with the seller.

Step 12. The seller handles the transaction using portable consumer devices 102 using the device 104 access and sends the transaction to the acquirer 108 by sending a message with the authorization request to the acquirer 104.

Step 13. The acquirer 108 forwards the message with the authorization in the network of 110 payment processing.

Step 14. The network of 110 payment processing processes the message with the authorization, including determines, whether registered or not the account associated with portable consumer device 102, in the program of processing electronic check payments. The network of 110 payment processing sends a message with the authorization in the Issuer 112.

Step 15. The Issuer 112 receives a message with the authorization request and approves the transaction properly through a redirect message with the answer authorization in the network of 110 payment processing.

Step 16. The network of 110 payment processing accept the response message for authorization and forwards it to the acquirer 108.

Step 17. The acquirer 108 forwards the response message by logging in to the device 104 access from the seller.

Step 18. The network of 110 payment processing sends an e-check payment in the user device 114, if the network 110 payment processing determines that the expense associated with consumer portable consumer device 102, registered in the program of processing electronic check payments.

Provides a range of features to ensure network capacity is 110 payment processing (or a server computer that is located in it) send an e-check payment in the user device 114 after the response message on the authorization received from the Issuer 112. The network of 110 payment processing can act as a "switch" between many different issuers and acquirers (not shown). Thus, one more modification of the payment system, shown in Fig. 5, can provide receipts of payments for transactions by many different vendors associated with many different acquirers when transactions are conducted using many different portable consumer devices, issued by a number of different issuers.

On stage 18, e-check payment can be sent in any form suitable for the user's device 114. For example, an e-check payment may be message Protocol (short message service (SMS)message Protocol multimedia messaging service (MMS) (for example, a picture of the receipt of payment), by postal mail, etc. it is Important to note that the trigger for the electronic receipt of payment may be successful completion of online transactions over the network 110 payment processing, the indicator relative to the successful completion of the transaction through an acquirer 108 or in any other appropriate point during the transaction. It is also important to note that the device 114 also can be a device that is identical portable consumer device 102.

Electronic check payment may include any of the data items that are on paper bill payment (for example, Fig. 3). For example, an e-check payment may include one or more of the following (for example, at least a combination of 4, 5, 6 or more of the following): the ID of the seller, store ID, the ID of the cashier, the date of the transaction, the partial sum of the transaction, the amount of sales tax, the total amount of hidden or partially hidden number of the payment card account, hidden date of expiration, the confirmation code, the date of the transaction, the time of the transaction and the total amount of payment. Cheques payments by the transaction may also have, in some cases, digital signatures either of the processor of service payments, any of the Issuer, in order to verify their authenticity. I.e. e-checks payments can be used instead of paper receipts of the payments (or in addition to them), so the actual e-receipt of payment must be verified as genuine.

Cheques payments by the transaction may differ from the notification of the transaction. Notification of the transaction is typically sent as a Supplement to the paper cheques payments. In addition, notification of the transaction typically do not include the same level of detail with checks of payments on a transaction and are not used as evidence that the transaction is conducted. Additionally, e-checks payments can be used as confirmation that the transaction is conducted, and can be used to return the goods to the seller or to receive compensation for goods or services.

Fig. 5(b) shows another version of the implementation system for the formation of an electronic check payments. In this embodiment, the network of 110 payment processing (or the Issuer 112 in some variants of implementation) provides access to the consumer to electronic cheques payments for transactions on the Internet portal. In other variants of implementation, e-check payment transaction can be sent as e-mail messages. The network of 110 payment processing (or the Issuer 112) provides access to the consumer to electronic cheques payments by the transaction online portal through the maintenance of, for example, a web site to provide access to consumer online account associated with portable consumer device 102. The user can subscribe to the service. The process to create and send e-check payments in this embodiment, is the following:

Step 21. The consumer provides a portable home appliance 102 for settlements on transactions with the seller.

Step 22. The seller handles the transaction using portable consumer devices 102 using the device 104 access and sends the transaction to the acquirer 108 by sending a message with the authorization request to the acquirer 104.

Step 23. The acquirer 108 forwards the message with the authorization in the network of 110 payment processing.

Step 24. The network of 110 payment processing processes the message with the authorization, including determines, whether registered or not the account associated with portable consumer device 102, in the program of processing electronic check payments. The network of 110 payment processing sends a message with the authorization in the Issuer 112.

Step 25. The Issuer 112 receives a message with the authorization request and approves the transaction properly through a redirect message with the answer authorization in the network of 110 payment processing.

Step 26. The network of 110 payment processing accept the response message for authorization and forwards it to the acquirer 108.

Step 27. The acquirer 108 forwards the response message by logging in to the device 104 access from the seller.

Step 28. The network of 110 payment processing sends an e-check payment on account 150 user if the network 110 payment processing determines that the expense associated with consumer portable consumer device 102, registered in the program of processing electronic check payments.

On stage, 28, e-checks of payments are available for consumer online account 150 user's Internet portal. If a program processing electronic check payments are offered by the Issuer 112, it can be part of the normal consumer access to online account. Alternatively, it is sent to the consumer as an e-mail message.

In another embodiment of the present invention a copy of the receipt of the payment transaction for the seller then is translated in a paper form, while a copy to the consumer is sent in electronic form. Legitimate reasons can force the seller to keep a signed paper copy of consumer receipt of the payment transaction. Consumers can sign up or register to take the receipts of payments transactions in electronic form. A copy of the receipt of the payment transaction for the seller then type, however, the copy for the consumer is processed in electronic form.

Fig. 6 illustrates an example of a network 110 processing of payments in accordance with the option of carrying out the invention. The network of 110 processing of payments includes the server computer 300 allowing access database 310 data. The server computer 300 also includes a processor to handle all machine-readable instructions that are stored on computer-readable media. The server computer contains 300 302 module registration, mobile gateway 304 module and the module 306 payment processing, each of which contains machine-readable instructions that are stored on computer-readable media, to perform at least the functions described below. It should be noted that in other variants of implementation, the module's functionality 302 registration, mobile gateway module 304 and module 306 payment processing can be posted permanently in the Issuer 112 or in any other suitable object.

Module 306 payment processing is a module that performs a typical process a payment transaction. This module receives a message with the authorization of the acquirer 108, sends a message with the authorization in the Issuer 112 to confirm that receives a message with the answer on the authorization of the Issuer 112 and sends a reply message by logging in to the acquirer 108.

Fig. 7 shows a block diagram of the sequence of method for the formation of an electronic check payments in accordance with the option of carrying out the invention. The seller accepts the transaction information in the device 104 access seller. As explained in detail above, the transaction information is taken from consumer portable consumer devices 102 and includes information such as account information of the consumer and information on buying (S502). The device 104 access generates a message with the authorization request to the information of the transaction and sends the message with the authorization request to the acquirer 108 (S504). The acquirer then sends a message with the authorization in the network of 110 payment processing, in which it is accepted (S506). The message with the authorization request is then redirected to the Issuer 112, and the Issuer 112 generates the response message for authorization indicating that authorized or not the transaction (i.e. enough or there are no funds on the customer's expense). The network of 110 payment processing accept the response message for the authorization of the Issuer 112, including receives information transactions associated with portable consumer device 102 (S508). The network of 110 payment processing then determines (or using the message with the authorization, or using the reply message on the authorization is registered or not the consumer's account in the program of processing electronic check payments through the implementation of the access to the stored login information in the database 310 data (S510). If the account user is not registered in the program of processing electronic check payments, regular mail response authorization is sent to the seller by the acquirer 108 and devices 104 access (S512). Paper check payment then printed out through the device 104 access for signing by the consumer (S514). Additionally, a paper check payment is printed for the customer to save for the personal information of consumers (S516).

If the consumer's account registered in the program of processing electronic check payments, the network of 110 payment processing modifies the response message on the authorization received from the Issuer 112, and sends the modified message with the answer authorization to the seller by the acquirer 108 and devices 104 access (S518). The response message on the authorization received from the Issuer 112, modified so that it includes the indicator registered in the program of processing electronic check payments. The device 104 access may use this indicator to determine that a paper check payment should not be printed for the consumer. Electronic check payment is then sent to consumers through consumer user device 114 or account 150 user (S520).

Fig. 8 illustrates one way of implementation of the format for specifying registration of the consumer in the program of processing electronic check payments in the mail response authorization. This data may include the response message on the authorization received from the Issuer 112, which includes primary account number (PAN), date of expiration, the service code, authentication based on the PIN-code CVV-data and any additional discretionary data, for example, authorized or not the transaction. Original message with the answer authorization can be modified so that it includes or adds an indicator that indicates whether registered or not the account associated with portable consumer device 102, in the program of processing electronic check payments. Additionally, the original message reply authorization can be modified so that it includes or adds any other registration information by modifying the additional discretionary message data. For example, a modification could indicate that the consumer also requires a printed receipt of payment from the seller, or that printed receipt of payment should not be granted.

Different actors (for example, a device 104 access, the seller, the acquirer 108, a network of 110 processing of payments and the Issuer 112) and the elements in Fig. 1, 2(a), 2(b), 5(a), 5(b) and 6 can manage one or more computer hardware system, to simplify the functions described in this document. Any of these items may use any appropriate number of subsystems to simplify the functions described in this document. Examples of such subsystems or components are shown in Fig. 9. The subsystems is shown in Fig. 9, are connected via the system bus 775. Shows additional subsystems, such as a printer 774, keyboard, 778, hard disk 779 (or other storage device that contains machine-readable form), monitor 776, which is connected to the adapter 782 display, etc. Peripherals and devices of input-output, connected to the controller 771 input-output, can connect to a computer system by any number of means, well-known in the art, such as a serial port 777. For example, the serial port 777 or external interface 781 can be used to connect a computer hardware system 1600 to a global computer network, for example, to the Internet, the input device type mouse, or scanner. Connection via the system bus 775 allows the CPU 773 to communicate with each subsystem and control execution of instructions from the system memory device 772 or hard drive 779, as well as the exchange of information between subsystems. System storage device 772 and/or hard disk 779 may exercise machine-readable medium.

It should be understood that the present invention, as described above, can be implemented in the form of logic using computer software modular and integrated way. Based on the disclosure and ideas provided in this document, experts in the art should know and take into account other way and/or ways to implement the present invention using hardware and combinations of hardware and software.

Any of the software components or features described in this application can be implemented as a software code that must be executed by the processor, using any appropriate machine language, such as, for example, Java, C++, or Perl, using, for example, traditional and object-oriented technologies. The code can be saved as a sequence of instructions or commands on machine-readable media, such as random access memory (RAM), permanent memory (ROM), magnetic media, such as hard drive or floppy drive, or optical media, such as CD-ROM. Any such machine-readable medium may continuously be accommodated in one of the computing hardware system or may be present or to be inside various computing systems hardware in the system or network.

The description above is illustrative and is not restrictive. Many variations of the invention should be obvious to specialists in a given field of technology after reading this description. Therefore, the volume of the invention must be defined with reference to the above description, but should instead be defined with reference to the attached claims together with its full volume or equivalents.

One or more characteristics of any option exercise can be combined with one or more characteristics of any other option exercise without derogating from the scope of the invention.

The reference to "a", "an", or "the" has the intention to mean " one or more", if other is not mentioned explicitly.

1. How to send e-check payments to the consumer that contains the time that: taking on the server computer, associated with payment processing network, the message request authorization associated with the transaction, with a request message to the authorization includes transaction information, associated with portable consumer consumer device; define through the server computer that is associated with payment processing network, using the request message authorization whether the registered account associated with portable consumer device, the program of processing electronic check payments; and send through server computer that is associated with a network of payment processing, electronic check payment to the consumer because of a determination that the account is registered in the program of processing electronic check payments, and e-check payment has the financial data associated with the transaction.

10. The method according to claim 1, further comprising stages, which are: support web site to provide access to online account associated with portable consumer device; and send an e-check payment to the consumer via the online account.

11. The method according to claim 1, wherein portable consumer device is a contactless card.

12. The method according to claim 1, wherein portable consumer device is a card with a magnetic strip.

13. The server computer, associated with payment processing network that contains: the registration module with registration information associated with the account, for portable consumer devices the consumer, with the registration information indicates registration in the program of processing electronic check payments; payment processing for receiving messages authorization request associated with the transaction portable consumer devices, and a request message to the authorization includes information transactions associated with portable consumer device, and to determine, using the request message authorization whether the registered account associated with portable consumer device, the program of processing electronic check payments; and mobile gateway module for sending electronic check payment to the consumer, if the registration information indicates that the account is registered in the program of processing electronic check payments, and e-check payment has financial data associated with the transaction.

14. The server computer indicated in paragraph 13, the server computer is receiving a reply message authorization from the Issuer in response to the request message authorization and adds the indicator to the response message authorization, if the account is registered in the program of processing electronic check payments, and light indicates that the user registered in the program of processing electronic check payments.

15. The server computer on 14, the server computer sends a response message authorization indicator seller, facilitating transactions, the indicator specifies whether the seller to provide a paper check payment to the consumer.

16. The server computer indicated in paragraph 13, in which portable consumer device is a mobile phone, and e-check payment is sent in portable consumer devices.

17. The server computer indicated in paragraph 13, in which the registration module receives from a customer a request for registration in the program of processing electronic check payments.

18. The server computer indicated in paragraph 13, in which portable consumer device is a card with a magnetic strip.

19. A way of reception of an electronic check payments that contains the time that: send a message to the authorization request is associated with a transaction, the server computer, associated with payment processing network, the message request authorization includes information transactions associated with portable consumer consumer device, and take consumer electronic check payment with financial data associated with the transaction, on the basis of a determination by the server computer that is associated with payment processing network, using a message to the authorization request that the expense associated with portable consumer device, registered in the program of processing electronic check payments.

20. The method of claim 19, in which the server computer receives the reply message authorization from the Issuer in response to the request message authorization and adds the indicator to the response message authorization, if the account is registered in the program of processing electronic check payments, and light indicates registration in the program of processing electronic check payments.

21. The method according to claim 20, additionally contains the stage at which: take the response message authorization indicator, the indicator specifies whether a paper check payment be provided to the consumer.

22. A method of sending e receipts of payments to the consumer that contains the time that: taking on the server computer, associated with payment processing network, the message request authorization associated with the transaction, with a request message to the authorization includes a statement that the transaction was confirmed; define through the server computer that is associated with payment processing network, using the request message authorization whether the registered account associated with portable consumer device, the program of processing electronic check payments are determined by the server computer associated with payment processing network that the transaction has been confirmed, on the basis of the reply message authorization; sent through the server computer that is associated with a network of payment processing, electronic check payment to the consumer, based on a determination that the expense associated with portable consumer device, registered in the program of processing electronic check payments, and because of a determination that the transaction was confirmed.

23. The method according to article 22, additionally contains the time that: form modified message response authorization, by adding the indicator to a reply message to the authorization, on the basis of a determination that the account is registered in the program of processing electronic check payments, the indicator specifies that the consumer is registered in the program of processing electronic check payments; sends a response message to the authorization seller that facilitate transactions.

24. The method according to item 23 in which the indicator specifies whether the seller to provide a paper check payment to the consumer.