CHECK21 PROCESSING OF NON-DDA TRANSACTIONS
First Claim
1. A method comprising:
- receiving non-demand deposit account (non-DDA) transaction information at a transaction processing system from a point of sale over a payment network, the non-DDA transaction information corresponding with a transaction between a consumer and the point of sale;
identifying a DDA account with account information associated with the consumer according to a set of consumer mappings maintained by the transaction processing system, the consumer mappings generated as part of a consumer registration process that maps the DDA account of the consumer to a non-DDA transaction instrument; and
generating a Check21-compliant check image from the account information of the DDA account and the non-DDA transaction information.
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Accused Products
Abstract
Embodiments provide processing of non-DDA transactions as Check21 transactions. In some implementations, a consumer registers a DDA account (e.g., a checking account) with a payment processing entity. The payment processing entity (e.g., or an agent or affiliate) generates a non-DDA account (e.g., a debit card account) and maps the new non-DDA account to the consumer'"'"'s preexisting DDA account. When the consumer uses the non-DDA account at a point of sale, transaction information, including the non-DDA account information, is routed to the payment processing entity. The payment processing entity uses its mapping to identify the consumer'"'"'s DDA account, uses the DDA account information and transaction information to generate a Check21-compliant check image, and clears and/or settles the transaction through Check21 channels. Accordingly, from the consumer'"'"'s perspective, the transaction is carried out as a non-DDA transaction; while from the merchant'"'"'s perspective, the transaction is processed using relatively low-cost Check21 channels.
33 Citations
22 Claims
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1. A method comprising:
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receiving non-demand deposit account (non-DDA) transaction information at a transaction processing system from a point of sale over a payment network, the non-DDA transaction information corresponding with a transaction between a consumer and the point of sale; identifying a DDA account with account information associated with the consumer according to a set of consumer mappings maintained by the transaction processing system, the consumer mappings generated as part of a consumer registration process that maps the DDA account of the consumer to a non-DDA transaction instrument; and generating a Check21-compliant check image from the account information of the DDA account and the non-DDA transaction information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A transaction processing system in communication with a plurality of points of sale over a payment network, the system comprising:
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a mapping subsystem configured to; receive non-DDA transaction information from one of the points of sale over the payment network, the non-DDA transaction information corresponding with a transaction between a consumer and the point of sale; and identify a DDA account with account information associated with the consumer according to the non-DDA transaction information using a pre-defined consumer mapping; and an electronic DDA subsystem, communicatively coupled with the mapping subsystem, and configured to generate a Check21-compliant check image from the DDA account information and the non-DDA transaction information. - View Dependent Claims (16, 17, 18, 19)
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20. A machine-readable medium having a series of instructions stored thereon, which, when executed by a processor, cause the processor to perform steps comprising:
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receiving non-demand deposit account (non-DDA) transaction information from a point of sale over a payment network, the non-DDA transaction information corresponding with a transaction between a consumer and the point of sale; identifying a DDA account with account information associated with the consumer according to a set of consumer mappings maintained in a data store accessible by the processor and generated as part of a consumer registration process that maps the DDA account of the consumer to non-DDA instrument information; and generating a Check21-compliant check image from the account information of the DDA account and the non-DDA transaction information. - View Dependent Claims (21, 22)
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Specification