SYSTEMS AND METHODS FOR PROCESSING RECURRING PAYMENT TRANSACTIONS
First Claim
1. A method for processing card-not-present recurring payment (CNP/RP) transactions including recurring purchases made by a cardholder using payment card information stored by a merchant, said method comprising:
- receiving, at an interchange network, a first authorization request message for the transaction;
querying a database coupled to the interchange network to determine whether the database includes updated payment card information for a payment card used in the transaction;
transmitting the updated payment card information from the interchange network to the merchant; and
updating the payment card information stored by the merchant to match the updated payment card information received from the interchange network.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems and methods for updating payment card records in real time for payment cards registered to be used for recurring payments in which the payment card itself is not present. In one aspect, a method for processing card-not-present recurring payment (CNP/RP) transactions is provided. The transactions include recurring purchases made by a cardholder using payment card information stored by a merchant. The method includes receiving, at an interchange network, a first authorization request message for the transaction, and querying a database coupled to the interchange network to determine whether the database includes updated payment card information for a payment card used in the transaction. The method also includes transmitting the updated payment card information from the interchange network to the merchant and updating the payment card information stored by the merchant to match the updated payment card information received from the interchange network.
123 Citations
25 Claims
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1. A method for processing card-not-present recurring payment (CNP/RP) transactions including recurring purchases made by a cardholder using payment card information stored by a merchant, said method comprising:
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receiving, at an interchange network, a first authorization request message for the transaction; querying a database coupled to the interchange network to determine whether the database includes updated payment card information for a payment card used in the transaction; transmitting the updated payment card information from the interchange network to the merchant; and updating the payment card information stored by the merchant to match the updated payment card information received from the interchange network. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A network-based system for processing card-not-present recurring payment (CNP/RP) transactions including recurring purchases made by a cardholder using payment card information stored by a merchant, said system comprising:
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a computer associated with the merchant, said merchant computer coupled to a merchant database for storing information for a payment card that is registered to be used in the transaction; an interchange network comprising an interchange database for storing updated information for the payment card and an interchange server configured to be coupled to said merchant computer and said interchange database, said interchange network server further configured to; receive, from said merchant computer, a first authorization request message for the transaction; query said interchange database to determine whether said interchange database includes updated payment card information for the payment card registered to be used in the transaction; and transmit the updated payment card information to said merchant computer, wherein said merchant database updates the payment card information stored in said merchant database to match the payment card information stored in said interchange database. - View Dependent Claims (11, 12, 13, 14, 15, 16)
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17. A computer coupled to a database for processing card-not-present recurring payment (CNP/RP) transactions including recurring purchases made by a cardholder using payment card information stored by a merchant, said computer programmed to:
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receive a first authorization request message from the merchant; determine whether a database includes updated payment card information for the payment card used in the transaction; and transmit the updated payment card information to the merchant, wherein the merchant updates the payment card information stored by the merchant to match the updated payment card information. - View Dependent Claims (18, 19, 20)
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21. A computer program embodied on a computer readable medium for processing card-not-present recurring payment (CNP/RP) transactions including recurring purchases made by a cardholder using payment card information stored by a merchant, said computer program comprising at least one code segment that:
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receives payment card information stored by the merchant, the payment card being used in a CNP/RP transaction; compares the payment card information stored by the merchant to payment card information stored in a database; determines whether the database includes updated payment card information for a payment card used in the transaction; and transmits the updated payment card information to the merchant, wherein the merchant updates the payment card information stored by the merchant to match the updated payment card information. - View Dependent Claims (22, 23, 24, 25)
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Specification