AUTHORIZATION SYSTEM WITH SPLIT MESSAGING

• US 20090271262A1
• Filed: 04/28/2009
• Published: 10/29/2009
• Est. Priority Date: 04/29/2008
• Status: Abandoned Application

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Hammad, Ayman
• Application Number:
  US12/431,476
• Publication Number:
  US 20090271262A1
• Time in Patent Office: Days
• US Class Current: 705/14.330
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/0233 Method of redeeming a frequent usage reward

Abstract

A computer readable medium is disclosed. It includes computer readable program code embodied therein, said computer readable program code adapted to be executed to implement a method, the method including receiving a first authorization request message from a merchant and at a server computer, analyzing the first authorization request message using the server computer, sending a second authorization request message to a first service provider, sending a third authorization request message to a second service provider, receiving a first response message from the first service provider, receiving a second response message from the second service provider, and sending a third authorization response message to the merchant.

Claims

1. A computer readable medium computer readable program code embodied therein, said computer readable program code adapted to be executed to implement a method, the method comprising:

receiving a first authorization request message from a merchant and at a server computer;

analyzing the first authorization request message using the server computer;

sending a second authorization request message to a first service provider;

sending a third authorization request message to a second service provider;

receiving a first response message from the first service provider;

receiving a second response message from the second service provider; and

sending a third authorization response message to the merchant.

2. The computer readable medium of claim 1 wherein the authorization request message comprises split payment data.

3. The computer readable medium of claim 1 wherein the first service provider is an issuer and the second service provider is a loyalty provider.

5. A server computer comprising the computer readable medium of claim 1.

6. A server computer comprising the computer readable medium of claim 2.

7. A method comprising:

receiving a first authorization request message from a merchant and at a server computer;

analyzing the first authorization request message using the server computer;

sending a second authorization request message to a first service provider;

sending a third authorization request message to a second service provider;

receiving a first response message from the first service provider;

receiving a second response message from the second service provider; and

sending a third authorization response message to the merchant.

4. The computer readable medium of claim 9 further comprising:

performing a clearing and settlement process.

8. The method of claim 7 wherein the first service provider is an issuer and the second service provider is a loyalty provider.

9. The method of claim 7 wherein the authorization request message comprises split payment data.

10. The method of claim 9 wherein the split payment data comprises a BIN number and a loyalty account number.

11. The method of claim 9 wherein the server computer sends the second and third authorization request messages.

12. The method of claim 9 further comprising:

performing a clearing and settlement process.

13. The method of claim 9 wherein the split payment data is stored on a portable consumer device.

14. The method of claim 13 wherein the portable consumer device is a phone.

15. A method comprising:

sending a first authorization request message to a server computer, wherein the server computer thereafter receives a first authorization request message from a merchant and at a server computer, analyzes the first authorization request message using the server computer, sends a second authorization request message to a first service provider, sends a third authorization request message to a second service provider, receives a first response message from the first service provider, receives a second response message from the second service provider, sends a third authorization response message; and

receiving the third authorization response message.

16. The method of claim 15 wherein the server computer is in a payment processing network.

17. The method of claim 15 wherein the first service provider is an issuer and the second service provider is a loyalty provider.

18. A computer readable medium computer readable program code embodied therein, said computer readable program code adapted to be executed to implement a method, the method comprising:

sending a first authorization request message to a server computer, wherein the server computer thereafter receives a first authorization request message from a merchant and at a server computer, analyzes the first authorization request message using the server computer, sends a second authorization request message to a first service provider, sends a third authorization request message to a second service provider, receives a first response message from the first service provider, receives a second response message from the second service provider, and sends a third authorization response message; and

receiving the third authorization response message.

19. The computer readable medium of claim 18 wherein the first service provider is an issuer and the second service provider is a loyalty provider.

20. An access device comprising the processor and the computer readable medium of claim 18.