System, method, and computer program product for maintaining transaction integrity over public networks

A system for processing transactions, comprising at least one transaction processing server of a transaction service provider including at least one processor, the at least one transaction processing server programmed and/or configured to:

• store, in a database, first merchant data associated with a merchant, wherein the first merchant data comprises data entries that are constant for transactions involving the merchant;
• receive, from a merchant device associated with the merchant, a transaction message corresponding to an original transaction, the transaction message comprising first transaction data including data entries that are variable between transactions involving the merchant, wherein the transaction message does not include at least a portion of the data entries that are constant for transactions involving the merchant;
• determine that the transaction message is a reduced transaction message that does not include at least a portion of the data entries that are constant for transactions involving the merchant;
• in response to receiving the reduced transaction message, query, based on the merchant device, the database to identify the at least a portion of the data entries that are constant for transactions involving the merchant;
• retrieve the at least a portion of the data entries that are constant for transactions involving the merchant;
• augment the reduced transaction message by modifying the reduced transaction message by inserting the at least a portion of the data entries that are constant for transactions involving the merchant to form an augmented transaction message, the augmented transaction message comprising both the first transaction data and the at least a portion of the data entries that are constant for transactions involving the merchant;
• and
• transmit the augmented transaction message to an issuer server to process the original transaction.

A computer program product for processing transactions, comprising at least one non-transitory computer-readable medium including program instructions that, when executed by at least one transaction processing server of a transaction service provider comprising at least one processor, cause the at least one processor to:

• store, in a database, first merchant data associated with a merchant, wherein the first merchant data comprises data entries that are constant for transactions involving the merchant;
• receive, from a merchant device associated with the merchant, a transaction message corresponding to an original transaction, the transaction message comprising first transaction data including data entries that are variable between transactions involving the merchant, wherein the transaction message does not include at least a portion of the data entries that are constant for transactions involving the merchant;
• determine that the transaction message is a reduced transaction message that does not include at least a portion of the data entries that are constant for transactions involving the merchant;
• in response to receiving the reduced transaction message, query, based on the merchant device, the database to identify the at least a portion of the data entries that are constant for transactions involving the merchant;
• retrieve the at least a portion of the data entries that are constant for transactions involving the merchant;
• augment the reduced transaction message by modifying the reduced transaction message by inserting the at least a portion of the data entries that are constant for transactions involving the merchant to form an augmented transaction message, the augmented transaction message comprising both the first transaction data and the at least a portion of the data entries that are constant for transactions involving the merchant;
• and
• transmit the augmented transaction message to an issuer server to process the original transaction.