US 2016/0110693 A1Published application

Computer system and computer-implemented method for billing address verification without issuer verification

AssigneeMastercard International Incorporated

InventorsJustin X. Howe, Patrick R. Lowery, Clara Salazar

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Abstract

A computer implemented method for performing payment account billing address verification. The method comprises the steps of receiving an authorization request, including payment account information and billing address information, from a merchant. The authorization request is transmitted to an issuer associated with the payment account. At the same time, an address verification request is transmitted, including the payment account information and billing address information, to an outside service provider. The authorization response from the issuer and the results of the address verification address are received. An indication is made on the authorization response regarding the results of the address verification request, and the authorization response is transmitted to the merchant.

Claims18

Dependent claims

A computer implemented method for performing payment account billing address verification, the method comprising:

receiving, by one or more computer processors, via a network, an authorization request from a merchant computer system, the authorization request including payment account information and billing address information obtained from a cardholder;
transmitting, by the one or more computer processors, the authorization request to an issuer computer system associated with the payment account;
transmitting, by the one or more computer processors, an address verification request, including the payment account information and billing address information, to a service provider computer system;
receiving, by the one or more computer processors, an authorization response from the issuer computer system;
receiving, by the one or more computer processors, a result of the address verification request from the service provider computer system;
indicating, by the one or more computer processors, on the authorization response, the result of the address verification;
and
transmitting, by the one or more computer processors, the authorization response, including the result of the address verification, to the merchant computer system.

5 more elements

A computer system for performing payment account billing address verification, the system comprising:

one or more computer processors;
a memory in communication with the one or more processors and storing program instructions, the one or more processors operative with the program instructions to:
receive an authorization request from a merchant computer system, the authorization request including payment account information and billing address information obtained from a cardholder;
transmit the authorization request to an issuer system associated with the payment account;
transmit an address verification request, including the payment account information and billing address information to a service provider system;
receive an authorization response from the issuer system;
receive a result of the address verification request from the service provider system;
and
transmit to the merchant system the authorization response, including the result of the address verification.

6 more elements

Dependencies are inferred from the claim text.