# US 10,504,098 B2 · Method and system for processing pin debit transactions

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- Number: US 10,504,098 B2
- Document ID: US10504098B2
- Status: Granted
- Kind: B2
- Application number: 15/131,675
- Filed: 2016-04-18
- Published: 2016-08-11
- Granted: 2019-12-10
- Earliest claimed: 2010-04-02
- Assignees: CardinalCommerce Corporation
- Applicants: CardinalCommerce Corporation
- Inventors: Michael A. Keresman, III; Paul Turgeon
- Web page: https://patentgrep.com/patent/US10504098B2

## CPC

- G06Q 20/26: Debit schemes, e.g. "pay now"
- G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q 20/0855: {involving a third party}
- G06Q 20/12: specially adapted for electronic shopping systems
- G06Q 20/24: Credit schemes, i.e. "pay after"
- G06Q 20/34: using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q 20/383: {Anonymous user system}
- G06Q 20/385: {using an alias or single-use codes}
- G06Q 20/4012: {Verifying personal identification numbers [PIN]}
- G06Q 30/0613: {using intermediate agents}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## 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.

## Claims

### Claim 1

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.

### Claim 2 (depends on 1)

The system according to claim 1, wherein the at least one processor is further programmed to:
receive, from the payment processing system, a debit authorization response message;
translate the received debit authorization response message to a credit authorization response message; and
transmit, to the merchant system, the credit authorization response message.

### Claim 3 (depends on 1)

The system according to claim 1, wherein the translation is performed using a rules engine applying rules specific to a network corresponding to the transaction.

### Claim 4 (depends on 1)

The system according to claim 1, wherein said collected authentication data includes a PIN for the debit card.

### Claim 5 (depends on 1)

The system according to claim 1, wherein the at least one processor is programmed to at least one of:
receive the payment information over a communications network;
collect the authentication data over the communications network;
provide the alias over the communications network;
receive the authorization message over the communications network; and
submit the debit authorization message over the communications network.

### Claim 6 (depends on 1)

The system according to claim 1, wherein the at least one processor collects the authentication data by:
selecting one of a plurality of different credentialing applications based on the payment information, said credentialing applications operative to collect authentication data from the consumer device;
wherein the collected authentication data is collected according to the selected credentialing application.

### Claim 7 (depends on 6)

The system according to claim 6, wherein the selected credentialing application is operative to collect authentication data including a PIN for the payment instrument.

### Claim 8 (depends on 1)

The system according to claim 1, wherein the payment information includes a real account number, the real account number is correlated with the alias.

### Claim 9

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.

### Claim 10 (depends on 9)

The method according to claim 9, further comprising:
receiving, with at least one processor from the payment processing system, a debit authorization response message;
translating, with at least one processor, the received authorization response message to a credit authorization response message; and
transmitting, with at least one processor, to the merchant system, the credit authorization response message.

### Claim 11 (depends on 10)

The method according to claim 10, wherein the translating the authorization response message includes removing information specific to the payment type of the payment instrument.

### Claim 12 (depends on 9)

The method according to claim 9, further comprising:
storing, with at least one processor, fraud data obtained during processing of transactions.

### Claim 13 (depends on 9)

The method according to claim 9, wherein said collected authentication data includes a PIN for the debit card.

### Claim 14 (depends on 9)

The method according to claim 9, wherein the alias is a single use primary account number (PAN).

### Claim 15 (depends on 9)

The method according to claim 9, wherein the translating includes:
merging, with at least one processor, the received authorization message and the authentication data into the debit authorization message.

### Claim 16 (depends on 9)

The method according to claim 9, wherein the collecting includes:
selecting, with at least one processor, one of a plurality of different credentialing applications based on the payment information, said credentialing applications operative to collect authentication data from the consumer device;
wherein the collected authentication data is collected according to the selected credentialing application.

### Claim 17 (depends on 16)

The method according to claim 16, wherein the selecting includes: looking up, with at least one processor, a record in a bank identification number (BIN) table using a card number of the payment information.

### Claim 18 (depends on 16)

The method according to claim 16, wherein the selected credentialing application is operative to collect authentication data including a PIN for the payment instrument.

### Claim 19

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.