TRANSACTION PROCESSING USING A GLOBAL UNIQUE IDENTIFIER
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Accused Products
Abstract
A Globally Unique IDentifier (GUID) is used to match an authorization request with an authorization response for a transaction between a merchant and a consumer upon an account within a payment processing system where the payment amount is unknown until after the merchant receives the authorization response that includes the GUID. After receiving the authorization response and when the payment amount is known, the merchant forms a transmission that has information for delivery to an issuer of the account. This information is sufficient for the issuer to forward the payment amount from the account to pay the merchant for the transaction. While including the GUID and the payment amount, the information does not include an identifier of the account.
16 Citations
42 Claims
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1-20. -20. (canceled)
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21. A method comprising:
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obtaining, by an acceptance point device associate with a merchant, account information, including an account identifier, from a consumer to conduct a transaction with the merchant; sending an authorization request having a code for the transaction that is unique among a plurality of transactions of the merchant in a plurality of merchants, an amount of funds to be authorized for the transaction, and the account identifier; and receiving an authorization response message that includes a Globally Unique Identifier (GUID) instead of the account identifier, the code for the transaction, and an indication of whether the transaction was approved. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30, 31)
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32. An acceptance point device comprising a processor and a non-transitory computer readable medium storing computer readable code configured to be executed by the processor to:
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obtain account information, including an account identifier, from a consumer to conduct a transaction with the merchant; send an authorization request having a code for the transaction that is unique among a plurality of transactions of the merchant in a plurality of merchants, an amount of funds to be authorized for the transaction, and the account identifier; and receive an authorization response message that includes a Globally Unique Identifier (GUID) instead of the account identifier, the code for the transaction, and an indication of whether the transaction was approved. - View Dependent Claims (33, 34, 35, 36, 37, 38, 39, 40, 41, 42)
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Specification