Method and system for processing pin debit transactions
AssigneeCardinalCommerce Corporation
InventorsMichael A. Keresman, III, Paul Turgeon
Life of this patent
Estimating the term…
Abstract
A system for processing a debit transaction between a merchant and a consumer. The system includes one or more processors programmed to receive payment information for the consumer, collect authentication data for the debit card from the consumer, transmit an alias account number unique to the debit transaction to the merchant, receive a credit authorization message including the alias account number from the merchant, translate the credit authorization message to a debit authorization message using the authentication data, and transmit the debit authorization message to a payment processor.
Claims19
A system for processing a transaction between a consumer and a merchant system, said system comprising:
- at least one processor programmed to:
- receive, from the merchant system, a payment type of a payment instrument for the transaction, wherein the payment instrument is a PIN debit card;
- subsequent to receiving the payment type of the payment instrument from the merchant system, receive, from a consumer device of the consumer, payment information for the payment instrument;
- collect, from the consumer device, authentication data for the payment instrument;
- transmit, to the merchant system, an alias associated with the payment instrument, said alias being unique to the transaction;
- receive, from the merchant system, an authorization message for a different payment type than the payment type of the payment instrument, said authorization message including the alias, wherein the authorization message is a credit authorization request message;
- translate the received authorization message using the authentication data to a debit authorization message, wherein the debit authorization message includes the authentication data;
- and
- transmit, to a payment processing system, the debit authorization message,
- wherein the payment type of the payment instrument and the payment information are received from a website of the merchant system during the transaction between the merchant system and the consumer device.
A computer-implemented method for processing a transaction between a consumer and a merchant system, said method comprising:
- receiving, with at least one processor from the merchant system, a payment type of a payment instrument for the transaction, wherein the payment instrument is a PIN debit card;
- subsequent to receiving the payment type of the payment instrument from the merchant system, receiving, with at least one processor from a consumer device of the consumer, payment information for the payment instrument;
- collecting, with at least one processor from the consumer device, authentication data for the payment instrument;
- transmitting, with at least one processor to the merchant system, an alias associated with the payment instrument, said alias being unique to the transaction;
- receiving, with at least one processor from the merchant system, an authorization message for a different payment type than the payment type of the payment instrument, said authorization message including the alias, wherein the authorization message is a credit authorization request message;
- translating, with at least one processor, the received authorization message using the authentication data to a debit authorization message, wherein the debit authorization message includes the authentication data;
- and
- transmitting, with at least one processor to a payment processing system, the debit authorization message,
- wherein the payment type of the payment instrument and the payment information are received from a website of the merchant system during the transaction between the merchant system and the consumer device.
A non-transitory computer medium carrying software that when executed by at least one processor, cause the at least one processor to:
- receive, from the merchant system, a payment type of a payment instrument for the transaction, wherein the payment instrument is a PIN debit card;
- subsequent to receiving the payment type of the payment instrument from the merchant system, receive, from a consumer device of the consumer, payment information for the payment instrument;
- collect, from the consumer device, authentication data for the payment instrument;
- transmit, to the merchant system, an alias associated with the payment instrument, said alias being unique to the transaction;
- receive, from the merchant system, an authorization message for a different payment type than the payment type of the payment instrument, said authorization message including the alias, wherein the authorization message is a credit authorization request message;
- translate the received authorization message using the authentication data to a debit authorization message, wherein the debit authorization message includes the authentication data;
- and
- transmit, to a payment processing system, the debit authorization message,
- wherein the payment type of the payment instrument and the payment information are received from a website of the merchant system during the transaction between the merchant system and the consumer device.
Dependencies are inferred from the claim text.