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

• US 20140032409A1
• Filed: 07/30/2012
• Published: 01/30/2014
• Est. Priority Date: 07/30/2012
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Rosano, Sharon A.
• Granted Patent: US 9,530,130 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing

Abstract

In one aspect, a method for processing a card-not-present account-on-file transaction is provided. The transaction involves a cardholder using payment card information stored by a merchant. The method includes receiving an authorization request message for the transaction, the authorization request message received at a payment network from an acquirer associated with the merchant and receiving an authorization response message, the authorization response message received at the payment network from an issuer. The authorization response includes a denial indicator indicating that the transaction has been denied. The method further includes querying a database coupled to the payment network to determine whether the database includes updated payment card information for a payment card associated with the transaction. The method additionally includes transmitting the updated payment card information associated with the payment card account identifier associated with the transaction to the acquirer for the acquirer to communicate to the merchant.

Claims

1. A method for processing a card-not-present account-on-file transaction made by a cardholder using payment card information stored by a merchant, the method is performed using a computer device coupled to a database, the payment card information including a payment card account identifier, said method comprising:

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

receiving an authorization response message, the authorization response message received at the computer device from an issuer, the authorization response including a denial indicator indicating that the transaction has been denied;

querying the database coupled to the computer device to determine whether the database includes updated payment card information associated with the payment card account identifier associated with the transaction; and

transmitting the updated payment card information associated with the payment card account identifier associated with the transaction to the acquirer for the acquirer to communicate to the merchant.

2. A method in accordance with claim 1, wherein receiving an authorization request message comprises identifying, by the computer device, the authorization request message as relating to a card-not-present account-on-file transaction.

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

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

4. A method in accordance with claim 1, wherein receiving an authorization response message further comprises receiving an authorization response message including a denial indicator indicating that a card number associated with the authorization request is incorrect.

5. A method in accordance with claim 1, wherein receiving an authorization response message further comprises receiving an authorization response message including a denial indicator indicating that a card expiration date associated with the authorization request is incorrect.

6. A method in accordance with claim 1, wherein querying the database to determine whether the database includes updated payment card information includes determining whether an updated payment card number is stored in the database associated with the payment card account identifier associated with the transaction.

7. A method in accordance with claim 1, wherein querying the database to determine whether the database includes updated payment card information includes determining whether an updated expiration date is stored in the database associated with the payment card account identifier associated with the transaction.

8. A method in accordance with claim 1, wherein querying the database to determine whether the database includes updated payment card information includes determining whether an account cancellation flag is stored in the database associated with the payment card account identifier associated with the transaction.

9. A method in accordance with claim 1, wherein transmitting the updated payment card information is performed upon receiving a request from the acquirer for information regarding denied payment transactions.

10. A method in accordance with claim 9, wherein receiving the request from the acquirer for information regarding denied transactions comprises:

authenticating the acquirer by the computer device; and

transmitting the updated payment card information to the authenticated acquirer.

11. 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, said system comprising:

a payment network;

a payment database for storing updated information associated with the payment card account identifier; 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 received from an acquirer computer;

receive an authorization response message, the authorization response message received from an issuer, the authorization response including a denial indicator indicating that the transaction has been denied;

query said payment database to determine whether said payment database includes updated payment card information for the payment card account identifier associated with the transaction; and

transmit the updated payment card information associated with the payment card account identifier associated with the transaction to the acquirer computer for the acquirer computer to communicate to the merchant computer.

12. A system in accordance with claim 11, wherein said payment network server is further configured to identify the authorization request message as relating to a card-not-present account-on-file transaction.

13. A system in accordance with claim 11, wherein said payment network server is further configured to store, in said payment database, the authorization response and denial indicator.

14. A system in accordance with claim 11, wherein said payment network server is further configured to query said payment database to determine whether said payment database includes at least one of:

an updated payment card number associated with the payment card account identifier associated with the transaction;

an updated expiration date associated with the payment card account identifier associated with the transaction; and

an account cancellation flag associated with the payment card account identifier associated with the transaction.

15. A system in accordance with claim 11, wherein the payment network server is further configured to identify whether the denial indicator indicates that a card number associated with the authorization request is incorrect or that an expiration date associated with the authorization request is incorrect.

16. A system in accordance with claim 11, wherein the payment network server is further configured to transmit the updated payment card information to the acquirer computer upon authenticating the acquirer computer to said payment network server.

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 account identifier, said computer programmed to:

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

receive an authorization response message, the authorization response message received from an issuer, the authorization response including a denial indicator indicating that the transaction has been denied;

query the database to determine whether the database includes updated payment card information for a payment card account identifier associated with the transaction; and

transmit the updated payment card information associated with the payment card account identifier associated with the transaction to the acquirer for the acquirer to communicate to the merchant.

18. A computer in accordance with claim 17, wherein said computer is further programmed to identify the authorization request message as relating to a card-not-present account-on-file transaction based on a card-not-present account-on-file flag in the authorization request message.

19. A computer in accordance with claim 17, wherein said computer is further programmed to store in the database the authorization response and denial indicator.

20. A computer in accordance with claim 17, wherein said computer is further programmed to query the database to determine whether the database includes at least one of:

an updated payment card number associated with the payment card account identifier associated with the transaction;

an updated expiration date associated with the payment card account identifier associated with the transaction; and

an account cancellation flag associated with the payment card account identifier associated with the transaction.

21. A computer in accordance with claim 17, wherein said computer is further programmed to identify whether the denial indicator indicates that a card number associated with the authorization request is incorrect or that an expiration date associated with the authorization request is incorrect.

22. 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, wherein when executed by a computer coupled to a database, causes the computer to:

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

receive an authorization response message, the authorization response message received from an issuer, the authorization response including a denial indicator indicating that the transaction has been denied;

query the database to determine whether the database includes updated payment card information for a payment card account identifier associated with the transaction; and

transmit the updated payment card information for the payment card account identifier associated with the transaction to the acquirer for the acquirer to communicate to the merchant.

23. The non-transitory computer readable storage medium in accordance with claim 22, wherein said computer-executable instructions further cause the computer to store in the database the authorization response and denial indicator.

24. The non-transitory computer readable storage medium in accordance with claim 22, wherein said computer-executable instructions further cause the computer to query the database to determine whether the database includes at least one of:

an updated payment card number associated with the payment card account identifier associated with the transaction;

an updated expiration date associated with the payment card account identifier associated with the transaction; and

an account cancellation flag associated with the payment card account identifier associated with the transaction.

25. The non-transitory computer readable storage medium in accordance with claim 22, wherein said computer-executable instructions further cause the computer to transmit the updated payment card information associated with the payment card account identifier associated with the transaction to the acquirer upon receiving a request from the acquirer for information regarding denied payment transactions.