SYSTEMS AND METHODS FOR CORRECTION OF INFORMATION IN CARD-NOT-PRESENT ACCOUNT-ON-FILE TRANSACTIONS

• US 20120296824A1
• Filed: 07/30/2012
• Published: 11/22/2012
• Est. Priority Date: 12/28/2007
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Rosano, Sharon A.
• Application Number:
  US13/561,955
• Publication Number:
  US 20120296824A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/351 Virtual cards
• CPC Class Codes: G06Q 20/403 Solvency checks

Abstract

A method for processing a card-not-present account-on-file transaction over a computer device coupled to a database is provided. Further, a network-based system for processing a card-not-present account-on-file transaction having a first transaction date is provided. Additionally, a computer coupled to a database for processing a card-not-present account-on-file transaction, is provided. Further, a non-transitory computer readable storage medium storing computer-executable instructions thereon for processing a card-not-present account-on-file transaction, is provided. The transaction is made by a cardholder using payment card information stored by a merchant. The payment card information includes a payment card account identifier, an expiration date associated with the payment card account identifier, and a payment card number associated with the payment card account identifier.

Claims

1. A method for processing a card-not-present account-on-file transaction over a computer device coupled to a database, the transaction made by a cardholder using payment card information stored by a merchant, the payment card information including a payment card account identifier, an expiration date associated with the payment card account identifier, and a payment card number associated with the payment card account identifier, said method comprising:

receiving a first authorization request message for the transaction, the first authorization request message received at the computer device from an acquirer associated with the merchant;

determining that the first authorization request message is associated with a card-not-present account-on-file transaction based on a first flag present in the first authorization request message;

querying the database to determine whether updated payment card information is stored therein, the updated payment card information including at least one of an updated expiration date associated with the payment card account identifier and an updated payment card number associated with the payment card account identifier;

transmitting a second authorization request message for the transaction to an issuer associated with the payment card account identifier, the second authorization request message including the updated payment card information.

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

receiving an authorization response message for the transaction, the authorization response message received at the computer device from the issuer; and

transmitting the authorization response message to the acquirer.

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

identifying a denial indicator in the authorization response message;

determining whether the denial indicator pertains to an incorrect payment card number, an incorrect expiration date, or a canceled account; and

storing the authorization response message and denial indicator in the database.

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

transmitting the updated payment card information associated with the payment card account identifier to at least one of the acquirer and the merchant.

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

creating the second authorization request message at the computer by replacing at least one of the expiration date associated with the payment card account identifier and the payment card number associated with the payment card account identifier with the updated payment card information.

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

receiving the second authorization request message from the acquirer, the second authorization request message received at the computer device.

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

modifying the authorization response message to include the updated payment card information or an indicator that the merchant should contact the cardholder for the updated payment card information; and

transmitting the authorization response message to the acquirer.

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

receiving a third authorization request message for a second transaction, the third authorization request message received at the computer device, the third authorization request message including the updated payment card information associated with the payment card account identifier;

determining that the third authorization request message is associated with a card-present transaction based on a second flag included in the third authorization request message;

storing the updated payment card information associated with the payment card account identifier in the database.

9. A network-based system for processing a card-not-present account-on-file transaction made by a cardholder using payment card information stored by a merchant, the payment card information including a payment card account identifier, an expiration date associated with the payment card account identifier, and a payment card number associated with the payment card account identifier, said system comprising:

a payment network;

a payment database for storing information for the payment card; and

a payment network server, wherein said payment network communicatively couples said payment database with said payment network server, and wherein said payment network server is configured to;

receive a first authorization request message for the transaction, the first authorization request message received from an acquirer associated with the merchant;

determine that the first authorization request message is associated with a card-not-present account-on-file transaction based on a first flag present in the first authorization request message;

query the payment network database to determine whether updated payment card information is stored therein, the updated payment card information including at least one of an updated expiration date associated with the payment card account identifier and an updated payment card number associated with the payment card account identifier;

transmit a second authorization request message for the transaction to an issuer associated with the payment card account identifier, the second authorization request message including the updated payment card information.

10. A system in accordance with claim 9, wherein said payment network server is further configured to:

receive an authorization response message for the transaction, the authorization response message received from the issuer; and

transmit the authorization response message to the acquirer.

11. A system in accordance with claim 9, wherein said payment network server is further configured to:

identify a denial indicator in the authorization response message;

determine whether the denial indicator pertains to an incorrect payment card number, an incorrect expiration date, or a canceled account; and

store the authorization response message and denial indicator in the payment network database.

12. A system in accordance with claim 9, wherein said payment network server is further configured to:

transmit the updated payment card information associated with the payment card account identifier to at least one of the acquirer and the merchant.

13. A system in accordance with claim 9, wherein said payment network server is further configured to:

create the second authorization request message at the computer by replacing at least one of the expiration date associated with the payment card account identifier and the payment card number associated with the payment card account identifier with the updated payment card information.

14. A system in accordance with claim 9, wherein said payment network server is further configured to:

receive the second authorization request message from the acquirer.

15. A system in accordance with claim 9, wherein the payment network server is further configured to:

modify the authorization response message to include the updated payment card information or an indicator that the merchant should contact the cardholder for the updated payment card information; and

transmit the authorization response message to the acquirer.

16. A system in accordance with claim 9, wherein the payment network server is further configured to:

receive a third authorization request message for a second transaction, the third authorization request message including the updated payment card information associated with the payment card account identifier;

determine that the third authorization request message is associated with a card-present transaction based on a second flag included in the third authorization request message;

store the updated payment card information associated with the payment card account identifier in the payment network database.

17. A computer coupled to a database for processing a card-not-present account-on-file transaction made by a cardholder using payment card information stored by a merchant, the payment card information including a payment card number, said computer programmed to:

receive a first authorization request message for the transaction, the first authorization request message received from an acquirer associated with the merchant;

determine that the first authorization request message is associated with a card-not-present account-on-file transaction based on a first flag present in the first authorization request message;

query the database to determine whether updated payment card information is stored therein, the updated payment card information including at least one of an updated expiration date associated with the payment card account identifier and an updated payment card number associated with the payment card account identifier;

transmit a second authorization request message for the transaction to an issuer associated with the payment card account identifier, the second authorization request message including the updated payment card information.

18. A computer in accordance with claim 17, wherein said computer is further programmed to:

receive an authorization response message for the transaction, the authorization response message received from the issuer; and

transmit the authorization response message to the acquirer.

19. A computer in accordance with claim 17, wherein said computer is further programmed to:

identify a denial indicator in the authorization response message;

determine whether the denial indicator pertains to an incorrect payment card number, an incorrect expiration date, or a canceled account; and

store the authorization response message and denial indicator in the database.

20. A computer in accordance with claim 17, wherein said computer is further programmed to:

transmit the updated payment card information associated with the payment card account identifier to at least one of the acquirer and the merchant.

21. A computer in accordance with claim 17, wherein said computer is further programmed to:

create the second authorization request message by replacing at least one of the expiration date associated with the payment card account identifier and the payment card number associated with the payment card account identifier with the updated payment card information.

22. A computer in accordance with claim 17, wherein said computer is further programmed to:

receive the second authorization request message from the acquirer.

23. A computer in accordance with claim 17, wherein said computer is further programmed to:

modify the authorization response message to include the updated payment card information or an indicator that the merchant should contact the cardholder for the updated payment card information; and

transmit the authorization response message to the acquirer.

24. A computer in accordance with claim 17, wherein said computer is further programmed to:

receive a third authorization request message for a second transaction, the second authorization request message received at the computer device, the third authorization request message including the updated payment card information associated with the payment card account identifier;

determine that the third authorization request message is associated with a card-present transaction based on a second flag included in the third authorization request message;

store the updated payment card information associated with the payment card account identifier in the database.

25. A non-transitory computer readable storage medium storing computer-executable instructions thereon for processing a card-not-present account-on-file transaction made by a cardholder using payment card information stored by a merchant, the payment card information including a payment card account identifier, an expiration date associated with the payment card account identifier, and a payment card number associated with the payment card account identifier, wherein when executed by a computer coupled to a database, causes the computer to:

receive a first authorization request message for the transaction, the first authorization request message received from an acquirer associated with the merchant;

determine that the first authorization request message is associated with a card-not-present account-on-file transaction based on a first flag present in the first authorization request message;

query the database to determine whether updated payment card information is stored therein, the updated payment card information including at least one of an updated expiration date associated with the payment card account identifier and an updated payment card number associated with the payment card account identifier;

transmit a second authorization request message for the transaction to an issuer associated with the payment card account identifier, the second authorization request message including the updated payment card information.

26. The non-transitory computer readable storage medium in accordance with claim 25, wherein said computer-executable instructions further cause the computer to:

receive an authorization response message for the transaction, the authorization response message received from the issuer; and

transmit the authorization response message to the acquirer.

27. The non-transitory computer readable storage medium in accordance with claim 25, wherein said computer-executable instructions further cause the computer to:

identify a denial indicator in the authorization response message;

determine whether the denial indicator pertains to an incorrect payment card number, an incorrect expiration date, or a canceled account; and

store the authorization response message and denial indicator in the database.

28. The non-transitory computer readable storage medium in accordance with claim 25, wherein said computer-executable instructions further cause the computer to:

transmit the updated payment card information associated with the payment card account identifier to at least one of the acquirer and the merchant.

29. The non-transitory computer readable storage medium in accordance with claim 25, wherein said computer-executable instructions further cause the computer to:

create the second authorization request message by replacing at least one of the expiration date associated with the payment card account identifier and the payment card number associated with the payment card account identifier with the updated payment card information.

30. The non-transitory computer readable storage medium in accordance with claim 25, wherein said computer-executable instructions further cause the computer to:

receive the second authorization request message from the acquirer.

31. The non-transitory computer readable storage medium in accordance with claim 25, wherein said computer-executable instructions further cause the computer to:

modify the authorization response message to include the updated payment card information or an indicator that the merchant should contact the cardholder for the updated payment card information; and

transmit the authorization response message to the acquirer.

32. The non-transitory computer readable storage medium in accordance with claim 25, wherein said computer-executable instructions further cause the computer to:

receive a third authorization request message for a second transaction, the third authorization request message including the updated payment card information associated with the payment card account identifier;

determine that the third authorization request message is associated with a card-present transaction based on a second flag included in the third authorization request message;

store the updated payment card information associated with the payment card account identifier in the database.