Modified confirmation element data for transaction confirmation
First Claim
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1. A method comprising:
- receiving, by a server computer, an authorization request message for a transaction by a user from an access device;
sending, by the server computer, the authorization request message to an authorization computer;
receiving, by the server computer, an authorization response message from the authorization computer indicating authorization of the transaction;
upon determining that the authorization of the transaction has been approved, determining, by the server computer, contact information for the user;
generating, by the server computer, confirmation element data including transaction data associated with the transaction and a confirmation element identifier;
associating, by the server computer, the confirmation element data and the authorization response message by the confirmation element identifier;
sending, by the server computer, the confirmation element data and the confirmation element identifier to a mobile device associated with the user via the contact information;
receiving, by the server computer, modified confirmation element data from the mobile device, wherein the modified confirmation element data comprises an electronic signature appended to the confirmation element data by the mobile device upon receiving confirmation of the transaction by the user;
determining, by the server computer, the authorization response message associated with the modified confirmation element data by the confirmation element identifier;
converting, by the server computer, the modified confirmation element data into a standard format;
generating, by a confirmation element data conversion submodule of the server computer, a modified authorization response message which includes the modified confirmation element data in the standard format; and
sending, by the server computer, the authorization response message including the modified confirmation element data to the access device, wherein the access device is caused to access the modified confirmation element data in the standard format and wherein the transaction is completed based on the authorization response message.
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Accused Products
Abstract
A transaction is conducted by a user. Confirmation element data and a corresponding confirmation element identifier are generated for the transaction. The confirmation element data and an authorization response message for the transaction are then associated by the confirmation element identifier. The confirmation element data and the confirmation element identifier are sent to a mobile device of the user. The user enters a user personal identifier at the mobile device, which generates modified confirmation element data comprising the user personal identifier. The modified confirmation element data is sent with the authorization response message to a processing entity.
16 Citations
19 Claims
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1. A method comprising:
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receiving, by a server computer, an authorization request message for a transaction by a user from an access device; sending, by the server computer, the authorization request message to an authorization computer; receiving, by the server computer, an authorization response message from the authorization computer indicating authorization of the transaction; upon determining that the authorization of the transaction has been approved, determining, by the server computer, contact information for the user; generating, by the server computer, confirmation element data including transaction data associated with the transaction and a confirmation element identifier; associating, by the server computer, the confirmation element data and the authorization response message by the confirmation element identifier; sending, by the server computer, the confirmation element data and the confirmation element identifier to a mobile device associated with the user via the contact information; receiving, by the server computer, modified confirmation element data from the mobile device, wherein the modified confirmation element data comprises an electronic signature appended to the confirmation element data by the mobile device upon receiving confirmation of the transaction by the user; determining, by the server computer, the authorization response message associated with the modified confirmation element data by the confirmation element identifier; converting, by the server computer, the modified confirmation element data into a standard format; generating, by a confirmation element data conversion submodule of the server computer, a modified authorization response message which includes the modified confirmation element data in the standard format; and sending, by the server computer, the authorization response message including the modified confirmation element data to the access device, wherein the access device is caused to access the modified confirmation element data in the standard format and wherein the transaction is completed based on the authorization response message. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 19)
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12. A server computer comprising:
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a processor; and a computer-readable medium coupled to the processor, the computer-readable medium comprising code, executable by the processor, for performing a method comprising receiving an authorization request message for a transaction by a user from an access device, sending the authorization request message to an authorization computer, receiving an authorization response message from the authorization computer indicating authorization of the transaction, upon determining that the authorization of the transaction has been approved, determining contact information for the user, generating confirmation element data including transaction data associated with the transaction and a confirmation element identifier, associating, by the server computer, the confirmation element data and the authorization response message by the confirmation element identifier, sending the confirmation element data and the confirmation element identifier to a mobile device associated with the user via the contact information, receiving modified confirmation element data from the mobile device, wherein the modified confirmation element data comprises an electronic signature appended to the confirmation element data by the mobile device upon receiving confirmation of the transaction by the user, converting, by the server computer, the modified confirmation element data into a standard format, determining the authorization response message associated with the modified confirmation element data by the confirmation element identifier, modifying, by a confirmation element data conversion submodule, the authorization response message to include the modified confirmation element data in the standard format, and sending the authorization response message including the modified conformation element data to the access device, wherein the access device is caused to access the modified confirmation element data in the standard format and wherein the transaction is completed based on the authorization response message.
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13. A method comprising:
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receiving, by an access device, user data for a transaction conducted by a user from a mobile device associated with the user; generating, by the access device, an authorization request message; sending, by the access device, the authorization request message to a server computer, which causes the server computer to modify an authorization response message to include modified conformation element data; and receiving, by the access device, the authorization response message comprising the modified confirmation element data associated by a confirmation element identifier, the modified confirmation element data having been converted into a standard format by the server computer, wherein the modified confirmation element data comprises an electronic signature appended to the modified confirmation element data by the mobile device upon receiving confirmation of the transaction by the user; accessing and presenting the modified confirmation element data in the standard format; and completing the transaction based on the authorization response message. - View Dependent Claims (14, 15, 16)
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17. A method comprising:
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sending, by a mobile device, user data for a transaction conducted by a user to an access device; receiving, by the mobile device, confirmation element data and a confirmation element identifier associated with the confirmation element data; receiving, by the mobile device, a user personal identifier from the user; generating, by the mobile device, modified confirmation element data comprising the user personal identifier appended to the confirmation element data upon receiving the user personal identifier by the user; and sending, by the mobile device, the modified confirmation element data comprising the user personal identifier to a server computer, thereby causing the server computer to convert the modified confirmation element data into a standard format, generate an authorization response message including the modified confirmation element data in the standard format, and send the authorization response message to the access device, which is caused to access the modified confirmation element data in the standard format. - View Dependent Claims (18)
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Specification