Post-transaction tipping with modified transaction message fields

A computerized method executable on a transaction server comprising:

• receiving an electronic transaction request from a point-of-sale (POS) device of a merchant, said electronic transaction request comprising a request data packet with at least a first field and a second field, said message field including a value of a transaction and an account identifier (ID) of a user, said merchant having a merchant identifier (ID) associated therewith;
• determining whether the merchant ID in the electronic transaction request matches with one of merchant identifiers stored in a database, said database being connected to the transaction server;
• in response to the determining being positive, automatically amending the first field with a predetermined secondary value associated with the merchant ID retrieved from the database and updating a total in the second field as a sum of the value of the transaction and the predetermined secondary value;
• processing the electronic transaction request as a single request with the total in the second field;
• or
• in response to the determining being negative, monitoring subsequent streams of transaction requests having the account ID and the merchant ID;
• in response to identifying a subsequent transaction in the monitored subsequent streams of transaction requests matching the account ID and the merchant ID, identifying a subsequent value from the subsequent transaction;
• amending the first field with the subsequent value and updating the total in the second field as a sum of the value of the transaction and the subsequent value;
• and
• processing the electronic transaction request as the single request.

A non-transitory computer readable medium storing computer-executable instructions embodied in a software product to be installed on a mobile device, said computer-executable instructions executable by a transaction server comprising:

• receiving an electronic transaction request from a point-of-sale (POS) device of a merchant, said electronic transaction request comprising a request data packet with at least a first field and a second field, said message field including a value of a transaction and an account identifier (ID) of a user, said merchant having a merchant identifier (ID) associated therewith;
• determining whether the merchant ID in the electronic transaction request matches with one of merchant identifiers stored in a database, said database being connected to the transaction server;
• in response to the determining being positive, automatically amending the first field with a predetermined secondary value associated with the merchant ID retrieved from the database and updating a total in the second field as a sum of the value of the transaction and the predetermined secondary value;
• processing the electronic transaction request as a single request with the total in the second field;
• or
• in response to the determining being negative, monitoring subsequent streams of transaction requests having the account ID and the merchant ID;
• in response to identifying a subsequent transaction in the monitored subsequent streams of transaction requests matching the account ID and the merchant ID, identifying a subsequent value from the subsequent transaction;
• amending the first field with the subsequent value and updating the total in the second field as a sum of the value of the transaction and the subsequent value;
• and
• processing the electronic transaction request as the single request.