Identifying transactions at self-checkout terminals

A method comprising:

• identifying, at a merchant device, a purchase transaction at a self-checkout terminal, wherein the purchase transaction is via a payment card product;
• generating a self-checkout indicator;
• receiving, by a computer from the merchant device, a payment authorization request record for the purchase transaction, wherein the payment authorization request record comprises payment data and the self-checkout indicator;
• transmitting information associated with the self-checkout indicator to an issuer;
• generator a payment authorization request record at an acquirer;
• generating an authorization response record indicating the payment transaction is one of approved or declined;
• and
• in response to an authorization response record indicating the payment transaction is approved, executing a clearing transaction, by the merchant device, wherein the self-checkout indicator is stored in a clearing record associated with the clearing transaction.

A system comprising:

• a communication device operative to communicate with a merchant device to obtain a request for authorization to use a payment card product for a purchase transaction;
• a self-checkout terminal processor;
• a memory in communication with the self-checkout terminal processor and storing program instructions, the self-checkout terminal processor operative with the program instructions to perform functions as follows:
• identifying, at a merchant device, a purchase transaction at a self-checkout terminal, wherein the purchase transaction is via a payment card product;
• generating a self-checkout indicator;
• receiving, by a computer from the merchant device, a payment authorization request record for the purchase transaction, wherein the payment authorization request record comprises payment data and the self-checkout indicator;
• and
• transmitting information associated with the self-checkout indicator to an issuer;
• and
• a fraud model processor operative to analyze the self-checkout indicator for fraud prevention purposes.

A system comprising:

• a communication device operative to communicate with a merchant device to obtain a request for authorization to use a payment card product for a purchase transaction;
• a self-checkout terminal processor;
• and
• a memory in communication with the self-checkout terminal processor and storing program instructions, the self-checkout terminal processor operative with the program instructions to perform functions as follows:
• identifying, at a merchant device, a purchase transaction at a self-checkout terminal, wherein the purchase transaction is via a payment card product;
• generating a self-checkout indicator, wherein the self-checkout indicator is stored in a clearing record associated with a clearing transaction;
• receiving, by a computer from the merchant device, a payment authorization request record for the purchase transaction, wherein the payment authorization request record comprises payment data and the self-checkout indicator;
• and
• transmitting information associated with the self-checkout indicator to an issuer.