System and method for processing a transaction using account information on file
AssigneeMastercard International Incorporated
InventorsLisa-Marie Gill, Jonathan Collin, Claire Le Gal
Life of this patent
Estimating the term…
Abstract
Provided are a system and method for identifying a transaction as a card on file payment transaction. The method may include receiving an authorization request message for a transaction from a merchant computing device, detecting payment account information and an identifier which are included in the authorization request message, where the identifier identifies the payment account information as being from a payment account on file, and authorizing the transaction based on the detected payment account information and the detected identifier.
Claims20
A method comprising:
- receiving, via a payment network, a payment authorization request message storing data for processing a transaction between a cardholder and a merchant;
- detecting payment account information of the cardholder included in the payment authorization request message, and detecting a card on file identifier that has been inserted into the payment authorization request message and which uniquely identifies the payment account information as a payment account saved on file;
- and
- authorizing the transaction based on the detected payment account information and the detected card on file identifier.
A method comprising:
- receiving, from a user computing device, a request for payment of a transaction for a cardholder using previously stored payment account information;
- generating a payment authorization request message comprising the previously stored payment account information;
- inserting a card on file identifier into the payment authorization request message which uniquely identifies the previously stored payment account information as a payment account saved on file;
- and
- transmitting the payment authorization request message including the card on file identifier inserted therein to a payment network.
A computing device, comprising:
- a network interface configured to receive a payment authorization request message storing data for processing a transaction between a cardholder and a merchant;
- and
- a processor configured to detect payment account information of the cardholder included in the payment authorization request message, and detect a card on file identifier that has been inserted into the payment authorization request message and which uniquely identifies the payment account information as a payment account saved on file,
- wherein the processor is further configured to authorize the transaction based on the detected payment account information and the detected card on file identifier.
Dependencies are inferred from the claim text.