METHODS AND SYSTEMS FOR USING AN INTERFACE AND PROTOCOL EXTENSIONS TO PERFORM A FINANCIAL TRANSACTION
First Claim
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.
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Accused Products
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.
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Citations
27 Claims
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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:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system for processing a financial transaction using an enhanced protocol, said system comprising:
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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. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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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:
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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. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26)
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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:
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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.
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Specification