Systems and methods for communicating liability acceptance with payment card transactions

A computer-based method for communicating liability acceptance for payment card transactions involving a default-liable party, the method using a computer device including a processor and a memory, said method comprising:

• in response to transmitting a first authorization request message to an issuer computing device, receiving, by the processor from the issuer computing device, a first authorization response message associated with a payment card transaction, the first authorization response message declining the payment card transaction based on the default-liable party, the payment card transaction being covered by default liability rules;
• receiving, by the processor from a point-of-sale (POS) computing device associated with the payment card transaction, a second authorization request message associated with the payment card transaction, the second authorization request message including a shifted-liability acceptance indicator data field populated with a party identifier identifying a liability-assuming party that assumes liability for the payment card transaction and overrides the default liability rules;
• transmitting, by the processor to the issuer computing device, the second authorization request message including the shifted-liability acceptance indicator data field, wherein the shifted-liability acceptance indicator data field acknowledges the overriding of the default liability rules;
• and
• authorizing, by the processor after receiving approval of the second authorization request message from the issuer computing device, the payment card transaction based at least in part on the shifted-liability acceptance indicator data field.

A computing device for processing payment card transactions involving a default-liable party, said computing device comprising a processor communicatively coupled to a memory, said computing device programmed to:

• in response to transmitting a first authorization request message to an issuer computing device, receive, from the issuer computing device, a first authorization response message associated with a payment card transaction, the first authorization response message declining the payment card transaction based on the default-liable party, the payment card transaction being covered by default liability rules;
• receive, from a point-of-sale (POS) computing device associated with the payment card transaction, a second authorization request message associated with the payment card transaction, the second authorization request message including a shifted-liability acceptance indicator data field populated with a party identifier identifying a liability-assuming party that assumes liability for the payment card transaction and overrides the default liability rules;
• transmit, to the issuer computing device, the second authorization request message including the shifted-liability acceptance indicator data field, wherein the shifted-liability acceptance indicator data field acknowledges the overriding of the default liability rules;
• and
• authorize, after receiving approval of the second authorization request message from the issuer computing device, the payment card transaction based at least in part on the shifted-liability acceptance indicator data field.

At least one non-transitory computer-readable storage media having computer-executable instructions embodied thereon, wherein when executed by at least one processor communicatively coupled to a memory, the computer-executable instructions cause the processor to:

• in response to transmitting a first authorization request message to an issuer computing device, receive, from the issuer computing device, a first authorization response message associated with a payment card transaction, the first authorization response message declining the payment card transaction based on a default-liable party, the payment card transaction being covered by default liability rules;
• receive, from a point-of-sale (POS) computing device associated with the payment card transaction, a second authorization request message associated with the payment card transaction, the second authorization request message including a shifted-liability acceptance indicator data field populated with a party identifier identifying a liability-assuming party that assumes liability for the payment card transaction and overrides the default liability rules;
• transmit, to the issuer computing device, the second authorization request message including the shifted-liability acceptance indicator data field, wherein the shifted-liability acceptance indicator data field acknowledges the overriding of the default liability rules;
• and
• authorize, after receiving approval of the second authorization request message from the issuer computing device, the payment card transaction based at least in part on the shifted-liability acceptance indicator data field.