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Modified confirmation element data for transaction confirmation

  • US 10,558,969 B2
  • Filed: 06/23/2015
  • Issued: 02/11/2020
  • Est. Priority Date: 06/23/2014
  • Status: Active Grant
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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