METHOD AND SYSTEM FOR GEOCODING AUTHORIZATIONS AND FINANCIAL TRANSACTION MESSAGES FOR LOCATION-BASED SERVICES
First Claim
1. A method for identifying a geographic location of a financial transaction, comprising:
- storing, in a merchant database, a plurality of merchant data entries, wherein each merchant data entry includes at least a merchant identifier and a geographic location;
receiving, by a receiving device, an authorization request for a financial transaction, wherein the authorization request includes at least a plurality of data elements containing transaction information;
identifying, by a processing device, a first data element in the plurality of data elements including a merchant identification;
identifying, in the merchant database, a specific merchant data entry, wherein the merchant identifier of the specific merchant data entry corresponds to the merchant identification;
transmitting, by a transmitting device, a reply to the authorization request; and
transmitting, by the transmitting device, the geographic location included in the specific merchant data entry.
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Accused Products
Abstract
A method for identifying a geographic location of a financial transaction includes: storing, in a merchant database, a plurality of merchant data entries, wherein each merchant data entry includes at least a merchant identifier and a geographic location; receiving, by a receiving device, an authorization request for a financial transaction, wherein the authorization request includes at least a plurality of data elements containing transaction information; identifying, by a processing device, a first data element in the plurality of data elements including a merchant identification; identifying, in the merchant database, a specific merchant data entry, wherein the merchant identifier of the specific merchant data entry corresponds to the merchant identification; transmitting, by a transmitting device, a reply to the authorization request; and transmitting, by the transmitting device, the geographic location included in the specific merchant data entry.
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Citations
40 Claims
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1. A method for identifying a geographic location of a financial transaction, comprising:
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storing, in a merchant database, a plurality of merchant data entries, wherein each merchant data entry includes at least a merchant identifier and a geographic location; receiving, by a receiving device, an authorization request for a financial transaction, wherein the authorization request includes at least a plurality of data elements containing transaction information; identifying, by a processing device, a first data element in the plurality of data elements including a merchant identification; identifying, in the merchant database, a specific merchant data entry, wherein the merchant identifier of the specific merchant data entry corresponds to the merchant identification; transmitting, by a transmitting device, a reply to the authorization request; and transmitting, by the transmitting device, the geographic location included in the specific merchant data entry. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method for identifying a geographic location of a financial transaction, comprising:
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storing, in a merchant database, a plurality of merchant data entries, wherein each merchant data entry includes at least a merchant identifier, a physical location, and a geographic location; receiving, by a receiving device, an authorization request for a financial transaction, wherein the authorization request includes a plurality of data elements containing transaction information; identifying, by a processing device, a first data element in the plurality of data elements including a merchant identification; identifying, by the processing device, a second data element in the plurality of data elements including a physical locator; identifying, in the merchant database, a number of merchant data entries where the included merchant identifier corresponds to the merchant identification of the first data element and the included physical location corresponds to the physical locator of the second data element; and transmitting, by a transmitting device, the geographic location of a single merchant data entry if the number of merchant data entries is one. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A system for identifying a geographic location of a financial transaction, comprising:
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a merchant database configured to store a plurality of merchant data entries, wherein each merchant data entry includes at least a merchant identifier and a geographic location; a receiving device configured to receive an authorization request for a financial transaction, wherein the authorization request includes at least a plurality of data elements containing transaction information; a processing device configured to identify a first data element in the plurality of data elements including a merchant identification, and identify, in the merchant database, a specific merchant data entry, wherein the merchant identifier of the specific merchant data entry corresponds to the merchant identification; and a transmitting device configured to transmit a reply to the authorization request, and transmit the geographic location included in the specific merchant data entry. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29)
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30. A system for identifying a geographic location of a financial transaction, comprising:
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a merchant database configured to store a plurality of merchant data entries, wherein each merchant data entry includes at least a merchant identifier, a physical location, and a geographic location; a receiving device configured to receive an authorization request for a financial transaction, wherein the authorization request includes a plurality of data elements containing transaction information; a processing device configured to identify a first data element in the plurality of data elements including a merchant identification, identify a second data element in the plurality of data elements including a physical locator, and identify, in the merchant database, a number of merchant data entries where the included merchant identifier corresponds to the merchant identification of the first data element and the included physical location corresponds to the physical locator of the second data element; and a transmitting device configured to transmit the geographic location of a single merchant data entry if the number of merchant data entries is one. - View Dependent Claims (31, 32, 33, 34, 35, 36, 37, 38, 39, 40)
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Specification