METHODS AND SYSTEMS FOR USING AN INTERFACE AND PROTOCOL EXTENSIONS TO PERFORM A FINANCIAL TRANSACTION

• US 20100268648A1
• Filed: 06/30/2010
• Published: 10/21/2010
• Est. Priority Date: 03/27/2009
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Wiesman, Mark, Stefanelli, Carl
• Granted Patent: US 8,261,977 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• 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

Abstract

A method for communicating financial transaction data between a plurality of computer devices using an interface module and an enhanced protocol is provided. The transaction is initiated by a cardholder at an input terminal using a transaction card for completing a purchase from a merchant. The method includes receiving at the interface module initial identification (ID) data from a merchant computer wherein the interface module is a computer module separate from the merchant computer, generating a first verification enrollment request (VEReq) message based on the initial ID data that includes at least one of a merchant identifier and an account number, transmitting the first VEReq message, receiving a verification enrollment response (VERes) message affirmatively verifying enrollment of the merchant in an express check out program, and generating at the interface module a payer authentication request (PAReq) message using the enhanced protocol that defines a first set of data field extensions.

Claims

1. A method for communicating financial transaction data between a plurality of computer devices using an interface module and an enhanced protocol, the financial transaction initiated by a cardholder at an input terminal using a transaction card for completing a purchase from a merchant, said method comprising:

receiving, at the interface module, initial identification (ID) data from a computer associated with the merchant, the interface module is a computer module separate from the merchant computer;

generating a first verification enrollment request (VEReq) message at the interface module based on the initial ID data, the first VEReq message including at least one of a merchant identifier and an account number;

transmitting the first VEReq message to an interchange network computer system;

receiving a verification enrollment response (VERes) message from the interchange network computer system, the VERes message affirmatively verifying enrollment of the merchant in an express check out program; and

generating, at the interface module, a payer authentication request (PAReq) message using the enhanced protocol, the enhanced protocol defining a first set of data field extensions associated with the PAReq message.

2. A method in accordance with claim 1, further comprising:

sending the PAReq message to the interchange network computer system; and

opening a session between the cardholder input terminal and the interchange network computer system, the session is opened via the interface module, the cardholder is prompted to input access credentials during the session.

3. A method in accordance with claim 1, wherein generating a PAReq message further comprises:

generating, at the interface module, the PAReq message using the enhanced protocol, the enhanced protocol defining the first set of data field extensions associated with the PAReq message, the first set of data field extensions including data representing at least one of a transaction card brands supported for payment, a response time limit, and item purchase information.

4. A method in accordance with claim 1, further comprising:

receiving a payer authentication response (PARes) message using the enhanced protocol, the enhanced protocol defining a second set of data field extensions associated with the PARes message; and

extracting data from the PARes message and the second set of data field extensions.

5. A method in accordance with claim 4, wherein extracting data further comprises:

formatting the extracted data into a predefined format; and

transmitting the formatted data from the interface module to the merchant computer system.

6. A method in accordance with claim 5, further comprising:

automatically directing the input terminal to a specified merchant website such that the cardholder is able to complete the financial transaction using the specified merchant website.

7. A method in accordance with claim 4, wherein receiving a PARes message further comprises:

receiving the PARes message using the enhanced protocol, the enhanced protocol defining the second set of data field extensions associated with the PARes message, the second set of data field extensions including data representing at least one of billing information, a security code, an expiry date, a primary account number, a phone number of the cardholder, a promotion code, loyalty numbers, and shipping information.

8. A method in accordance with claim 1, further comprising:

generating, at the interface module, a second VEReq message using the enhanced protocol upon the cardholder completing the financial transaction, the enhanced protocol defining a third set of data field extensions associated with the second VEReq message, the third set of data field extensions including data representing at least one of a final transaction amount, an authorization response code, and a promotion code associated with the financial transaction; and

transmitting the second VEReq message to the interchange computer

9. A method in accordance with claim 1, wherein generating a first verification enrollment request (VEReq) message further comprises:

generating the first VEReq message at the interface module based on the initial ID data, the first VEReq message including a first data field populated by the interface module with the merchant identifier and a second data field populated by the interface module with the account number, the merchant identifier used by the interchange network computer system to verify the enrollment of the merchant in the express check out program, the account number used by the interchange network computer system to verify the enrollment of the cardholder in the express check out program.

10. A system for processing a financial transaction using an enhanced protocol, said system comprising:

an interchange network computer system; and

an interface module in communication with a merchant computer system, a cardholder input terminal, and the interchange network computer system,

wherein the cardholder input terminal is configured to access a merchant website by communicating with the merchant computer system to enable a cardholder to initiate the financial transaction using a transaction card,

wherein the interface module is a computer module separate from the merchant computer, and

wherein the interface module is configured to process the financial transaction by communicating with the interchange network computer system using an enhanced protocol.

11. A system in accordance with claim 10, wherein the interface module is further configured to:

receive initial identification (ID) data from the merchant computer system;

generate a first verification enrollment request (VEReq) message based on the initial ID data, the first VEReq message including at least one of a merchant identifier and an account number used to verify the enrollment of the merchant in an express check out program;

transmit the first VEReq message to the interchange network computer system;

receive a verification enrollment response (VERes) message, the VERes message affirmatively verifies enrollment of the merchant in the express check out program; and

generate a payer authentication request (PAReq) message using the enhanced protocol, the enhanced protocol defining a first set of data field extensions associated with the PAReq message.

12. A system in accordance with claim 11, wherein the interface module is further configured to:

send the PAReq message to the interchange network computer system; and

opening a session between the cardholder input terminal and the interchange network computer system, the cardholder is prompted to input access credentials during the session.

13. A system in accordance with claim 10, wherein the interface module is further configured to:

generate a payer authentication request (PAReq) message using the enhanced protocol, the enhanced protocol defining the first set of data field extensions associated with the PAReq message, the first set of data field extensions including data representing at least one of a transaction card brands supported for payment, a response time limit, and item purchase information.

14. A system in accordance with claim 10, wherein the interface module is further configured to:

receive a payer authentication response (PARes) message using the enhanced protocol, the enhanced protocol defining a second set of data field extensions associated with the PARes message; and

extract data from the PARes message and the second set of data field extensions.

15. A system in accordance with claim 14, wherein the interface module is further configured to:

format the extracted data into a predefined format;

transmit the formatted data to the merchant computer system; and

automatically direct the input terminal to a specified merchant website such that the cardholder is able to complete the financial transaction using the specified merchant website.

16. A system in accordance with claim 14, wherein the interface module is further configured to:

receive the PARes message using the enhanced protocol, the enhanced protocol defining the second set of data field extensions associated with the PARes message, the second set of data field extensions including data representing at least one of billing information, a security code, an expiry date, a primary account number, a phone number of the cardholder, a promotion code, loyalty numbers, and shipping information.

17. A system in accordance with claim 10, wherein the interface module is further configured to:

generate a second VEReq message using the enhanced protocol upon the cardholder completing the financial transaction, the enhanced protocol defining a third set of data field extensions associated with the second VEReq message, the third set of data field extensions including data representing at least one of a final transaction amount, an authorization response code, and a promotion code associated with the financial transaction; and

transmit the second VEReq message to the interchange network computer system.

18. A system in accordance with claim 10, wherein the interface module is further configured to:

generate the first VEReq message based on the initial ID data by populating a first data field with the merchant identifier and a second data field with the account number, the merchant identifier used by the interchange network computer system to verify the enrollment of the merchant in the express check out program, the account number used by the interchange network computer system to verify the enrollment of the cardholder in the express check out program.

19. An interchange network computer for processing a financial transaction using an enhanced protocol, the financial transaction initiated by a cardholder with a merchant using a transaction card, said interchange network computer comprising:

an interchange processor; and

an interface module in communication with a merchant computer system, a cardholder input terminal, and the interchange processor, the interface module programmed to;

receive initial identification (ID) data from the merchant computer system in response to the initiated financial transaction;

generate a first verification enrollment request (VEReq) message based on the initial ID data, the first VEReq message including at least one of a merchant identifier and an account number used to verify the enrollment of the merchant in an express check out program;

transmit the first VEReq message to the interchange processor;

receive a verification enrollment response (VERes) message from the interchange processor, the VERes message affirmatively verifies enrollment of the merchant in the express check out program; and

generate a payer authentication request (PAReq) message using the enhanced protocol, the enhanced protocol defining a first set of data field extensions associated with the PAReq message.

20. An interchange network computer in accordance with claim 19, wherein the interface module is further programmed to:

send the PAReq message to the interchange processor; and

open a session between the cardholder input terminal and the interchange processor, the cardholder is prompted to input access credentials during the session.

21. An interchange network computer in accordance with claim 19, wherein the first set of data field extensions include data representing at least one of a transaction card brands supported for payment, a response time limit, and item purchase information.

22. An interchange network computer in accordance with claim 19, wherein the interface module is further programmed to:

receive a payer authentication response (PARes) message using the enhanced protocol, the enhanced protocol defining a second set of data field extensions associated with the PARes message; and

extract data from the PARes message and the second set of data field extensions.

23. An interchange network computer in accordance with claim 22, wherein the interface module is further programmed to:

format the extracted data into a predefined format;

transmit the formatted data to the merchant computer system; and

automatically direct the input terminal to a specified merchant website such that the cardholder is able to complete the financial transaction using the specified merchant website.

24. An interchange network computer in accordance with claim 22, wherein the second set of data field extensions include data representing at least one of billing information, a security code, an expiry date, a primary account number, a phone number of the cardholder, a promotion code, loyalty numbers, and shipping information.

25. An interchange network computer in accordance with claim 19, wherein the interface module is further programmed to:

generate a second VEReq message using the enhanced protocol upon the cardholder completing the financial transaction, the enhanced protocol defining a third set of data field extensions associated with the second VEReq message, the third set of data field extensions including data representing at least one of a final transaction amount, an authorization response code, and a promotion code associated with the financial transaction; and

transmit the second VEReq message to the interchange processor.

26. An interchange network computer in accordance with claim 19, wherein the interface module is further programmed to:

generate the first VEReq message based on the initial ID data by populating a first data field with the merchant identifier and a second data field with the account number, the merchant identifier used by the interchange processor to verify the enrollment of the merchant in the express check out program, the account number used by the interchange processor to verify the enrollment of the cardholder in the express check out program.

27. A computer program embodied on a computer readable medium for communicating financial transaction data between a plurality of computer devices using an interface module and an enhanced protocol, the financial transaction initiated by a cardholder at an input terminal using a transaction card for completing a purchase from a merchant, said program comprises at least one code segment executable by the interface module to instruct the interface module to:

receive initial identification (ID) data from a computer associated with the merchant, the interface module is a computer module separate from the merchant computer;

generate a first verification enrollment request (VEReq) message based on the initial ID data, the first VEReq message including at least one of a merchant identifier and an account number;

transmit the first VEReq message to an interchange network computer system;

receive a verification enrollment response (VERes) message from the interchange network computer system, the VERes message affirmatively verifying enrollment of the merchant in an express check out program; and

generate a payer authentication request (PAReq) message using the enhanced protocol, the enhanced protocol defining a first set of data field extensions associated with the PAReq message.