US 12,271,903 B2
Methods and systems for facilitating payment transactions to delivery agents
Selwyn Kaitha, Mumbai (IN); Amitabh Khanna, Navi Mumbai (IN); and Abhishek Kurdukar, Mumbai (IN)
Assigned to MASTERCARD INTERNATIONAL INC., Purchase, NY (US)
Filed by MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed on May 18, 2022, as Appl. No. 17/747,933.
Claims priority of application No. 202141022834 (IN), filed on May 21, 2021.
Prior Publication US 2022/0374898 A1, Nov. 24, 2022
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/10 (2012.01)
CPC G06Q 20/4014 (2013.01) [G06Q 20/10 (2013.01); G06Q 20/405 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
obtaining, by a server system, order related data associated with an order placed by a customer with a merchant on an order delivery application accessible on a customer device of the customer, the order related data comprising a payment transaction amount to be paid by the customer in pay-on-delivery (POD) mode, a merchant identifier associated with the merchant and information of payment instrument associated with a delivery agent selected for delivering the order from a location of the merchant to the customer;
determining, by the server system, that the payment transaction amount is within one or more transaction threshold limits;
in response to determining that the payment transaction amount is within the one or more transaction threshold limits, sending a request, by the server system, to an issuer server associated with an order delivery entity to transfer the payment transaction amount from an account of the order delivery entity to the payment instrument of the delivery agent;
based on sending the request, assigning, by the server system, a unique reference identifier corresponding to a credit transaction;
based on receiving the request, transferring, by the issuer server, the payment transaction amount as the credit transaction from the account of the order delivery entity to the payment instrument of the delivery agent in real-time, the payment instrument credited with the payment transaction amount being prohibited to perform any payment transactions using any of the payment transaction amount without a payment authorization associated with the unique reference identifier;
transmitting, by the server system, a message to the issuer server, the message comprising the unique reference identifier;
storing, by the issuer server, the unique reference identifier;
receiving, by the server system, a payment transaction request, in response to the payment instrument being used at a payment terminal associated with the merchant, for transferring the payment transaction amount to the merchant on behalf of the customer;
transmitting to the issuer server, by the server system, a payment authorization request message by populating a plurality of data fields with corresponding values based, at least in part, on the order related data and the unique reference identifier;
comparing, by the issuer server, the unique reference identifier from the payment authorization request message with the stored unique reference identifier;
based on the unique reference identifier from the payment authorization request message matching the stored unique reference identifier, the issuer server authorizing the payment transaction request, and transferring the payment transaction amount from the payment instrument to the merchant; and
delivering, by the delivery agent, the order to the customer, and, in response to delivering the order to the customer, receiving the payment transaction amount from the customer.