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SYSTEMS AND METHODS FOR PROCESSING A PAYMENT TRANSACTION

  • US 20090171825A1
  • Filed: 12/27/2007
  • Published: 07/02/2009
  • Est. Priority Date: 12/27/2007
  • Status: Abandoned Application
First Claim
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1. A method for processing a payment transaction using a check and an input device at a point of sale (POS), said method comprising:

  • electronically capturing at the input device information from the check used in the payment transaction;

    electronically converting the check transaction to a debit transaction including assigning a predetermined debit card number to the check transaction based in part on a bank identification number (BIN) of an issuing bank associated with the check, wherein the electronic conversion is performed by the input device;

    transmitting data associated with the debit transaction to a transaction processor; and

    processing the debit transaction data to generate one of an authorization for the debit transaction and a denial for the debit transaction.

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