Payment Processing Support Device and Method
First Claim
1. A method for processing transactions using a signature debit card comprising:
- receiving a transaction information message in a primary message format comprising an information message transaction amount and signature debit card identification information from a point of sale terminal;
generating a message in a secondary message format from at least said information message transaction amount and said identification information;
transmitting said message in a secondary message format to a debit processing system that maintains an account associated with said signature debit card identification information;
receiving a response message from said debit processing system, indicating whether said information message transaction amount is allowed based at least in part on an account balance of said account associated with said signature debit card identification information; and
transmitting a credit settlement message to a credit card backend system to perform credit settlement of said transaction when said response message indicates that said information message transaction amount is not allowed.
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Accused Products
Abstract
Processing a signature debit card transaction as a credit card transaction when the debit card account contains insufficient funds to perform the transaction. The invention may include receiving transaction information comprising a transaction amount and signature debit card identification information from a point of sale terminal in a primary message format, generating a message in a secondary message format from the data contained in the primary message, transmitting the message in a secondary message format to a debit processing system that maintains an account associated with the signature debit card, receiving a response message from said debit processing system indicating whether the transaction amount is allowed based on the account balance of the account associated with the signature debit card and performing credit settlement of the signature debit card transaction when the response message indicates that said transaction amount is not allowed.
52 Citations
29 Claims
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1. A method for processing transactions using a signature debit card comprising:
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receiving a transaction information message in a primary message format comprising an information message transaction amount and signature debit card identification information from a point of sale terminal;
generating a message in a secondary message format from at least said information message transaction amount and said identification information;
transmitting said message in a secondary message format to a debit processing system that maintains an account associated with said signature debit card identification information;
receiving a response message from said debit processing system, indicating whether said information message transaction amount is allowed based at least in part on an account balance of said account associated with said signature debit card identification information; and
transmitting a credit settlement message to a credit card backend system to perform credit settlement of said transaction when said response message indicates that said information message transaction amount is not allowed. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method for processing transactions using a signature debit card comprising:
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receiving an authorization request message in a credit card message format comprising an authorization amount associated with a transaction, and signature debit card identification information generated by a point of sale terminal;
generating a first debit card message in a debit card transaction format from at least said authorization amount and said debit card identification information, said first debit card message further including a flag to prevent PIN validation;
transmitting said first debit card message to a debit processing system that maintains an account associated with said signature debit card identification information;
receiving a debit response message from said debit processing system, indicating successful debiting of said authorization amount from said account associated with said signature debit card identification information;
storing a record of said debit response message in a storage area;
generating an authorization response message in a credit card message format from at least part of the data contained in said debit response message; and
transmitting said authorization response message to said point of sale terminal. - View Dependent Claims (11, 12, 13, 14, 15)
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16. An apparatus for processing a signature debit card transaction for a signature debit card comprising:
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a merchant message receiver configured to receive at least one transaction information message in a primary message format comprising an information message transaction amount and signature debit card identification information;
a message converter configured to convert said at least one transaction information message from said merchant information receiver into a message in a secondary message format;
a transmitter configured to transmit said message in a secondary message format from said message converter to a debit processing system that maintains an account associated with said signature debit card;
a response message receiver configured to receive a response message from said debit processing system including an indication of whether said information message transaction amount is allowed based at least in part on an account balance of said account associated with said signature debit card; and
a credit card message transmitter configured to transmit a credit settlement message to a credit card backend system to perform credit settlement of said signature debit card transaction when said response message contains an indication that said information message transaction amount is not allowed. - View Dependent Claims (17, 18, 19, 20, 21, 22)
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23. An apparatus for processing a signature debit card transaction for a signature debit card comprising:
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a merchant authorization message receiver configured to receive an authorization request message in a credit card message format, said authorization request message including at least an authorization amount associated with said transaction and signature debit card identification information obtained at a point of sale device;
at least one debit card message generator configured to generate a first debit card message in a debit card transaction format, said first debit card message including at least said authorization amount, said signature debit card identification information, and a flag to prevent PIN validation;
a debit card message transmitter configured to transmit said first debit card message to a debit processing system that maintains a debit account associated with said signature debit card identification information;
a debit response message receiver configured to receive a debit response message from said debit processing system, indicating successful debiting of said authorization amount from said debit account;
a storage device configured to store a plurality of authorization records, each authorization record associated with one said authorization request message, including an associated transaction authorization amount;
a merchant authorization response message generator configured to generate an authorization response message in a credit card message format using at least part of the data contained in said debit response message; and
a merchant authorization response message transmitter configured to transmit said authorization response message to said point of sale device. - View Dependent Claims (24, 25, 26, 27, 28, 29)
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Specification