Method and system for processing a transaction
First Claim
1. A method of processing a transaction record, the method including:
- receiving a credit card authorization request associated with a transaction, the credit card authorization request being received from a computer system and selectively including a telephone number associated with a subscriber line;
obtaining the telephone number from the credit card authorization request;
performing a validation process based at least in part on the telephone number and generating a transaction validation indicator;
generating a credit card authorization response including the transaction validation indicator; and
communicating the credit card authorization response to the computer system.
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Accused Products
Abstract
A method of, and system for, processing payment for a transaction is provided. The method includes providing a user with an option to select payment for the transaction from an account associated with a communication line via which an electronic terminal is connected to a communication network. The communication line is typically a subscriber line and, accordingly, the account is a telephone account associated with the subscriber line. When a user transacts with a vendor for goods and/or services, the user may request to process payment using the telephone account instead of using a credit or debit card. The method includes investigating data using the telephone number associated with the subscriber line and, selectively approving the transaction dependent upon an outcome of the investigation. The invention extends to a transaction processor interface and to and a transaction validation module. The invention also extends to computer program products including the invention.
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Citations
20 Claims
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1. A method of processing a transaction record, the method including:
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receiving a credit card authorization request associated with a transaction, the credit card authorization request being received from a computer system and selectively including a telephone number associated with a subscriber line;
obtaining the telephone number from the credit card authorization request;
performing a validation process based at least in part on the telephone number and generating a transaction validation indicator;
generating a credit card authorization response including the transaction validation indicator; and
communicating the credit card authorization response to the computer system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A system to process a transaction record, the system including:
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an interface to receive a credit card authorization request associated with a transaction, the credit card authorization request being received from a computer system and selectively including a telephone number associated with a subscriber line;
an extraction module to obtain the telephone number from the credit card authorization request; and
a processing module to;
perform a validation process based at least in part on the telephone number and generate a transaction validation indicator; and
generate a credit card authorization response including the transaction validation indicator, wherein the credit card authorization response is communicated to the computer system. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
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20. A system to process a transaction record, the system including:
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means for receiving a credit card authorization request in response to a transaction, the credit card authorization request being received from a computer system and selectively including a telephone number associated with a subscriber line;
means for obtaining the telephone number from the credit card authorization request;
means for performing a validation process based at least in part on the telephone number and generating a transaction validation indicator;
means for generating a credit card authorization response including the transaction validation indicator; and
means for communicating the credit card authorization response to the computer system.
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Specification