TRANSACTION PROCESSING USING A GLOBAL UNIQUE IDENTIFIER

• US 20160027012A1
• Filed: 10/07/2015
• Published: 01/28/2016
• Est. Priority Date: 07/29/2008
• Status: Active Grant

• Current Assignee: Barbara Elizabeth Patterson
• Original Assignee: Barbara Elizabeth Patterson
• Inventors: Patterson, Barbara Elizabeth
• Granted Patent: US 9,530,131 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 40/12 Accounting

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.

Claims

1-20. -20. (canceled)

21. A method comprising:

receiving, by an issuer computer, an authorization request for a transaction between a consumer and a merchant, the authorization request including an amount of funds to be authorized for the transaction, an account identifier associated with the consumer, and a Globally Unique Identifier (GUID) associated with the transaction of the merchant wherein the GUID is unique among a plurality transactions of a plurality of merchants;

associating, by the issuer computer, the GUID in the authorization request message with the transaction;

storing, by the issuer computer, the GUID associated with the transaction, and information associated with the transaction, for use in subsequent processing of the transaction;

determining, by the issuer computer, that the transaction is approved based on an account associated with the account identifier; and

sending, by the issuer computer, an authorization response that does not include the account identifier but that includes the GUID, and an indication that the transaction was approved.

22. The method of claim 21 wherein the authorization request is received from a transaction handler computer.

23. The method of claim 21 wherein the amount of funds to be authorized for the transaction is a preliminary quantity of funds and wherein the method further comprises:

receiving, by the issuer computer, an updated authorization request comprising a final quantity of funds and the GUID.

24. The method of claim 21 wherein the GUID was derived using an algorithm without having the account identifier as an input to the algorithm

25. The method of claim 21 wherein the stored information associated with the transaction includes a merchant identifier and a date.

26. An issuer computer comprising a processor and a non-transitory computer readable medium storing computer readable code configured to be executed by the processor to:

receive an authorization request for a transaction between a consumer and a merchant, the authorization request including an amount of funds to be authorized for the transaction, an account identifier associated with the consumer, and a Globally Unique Identifier (GUID) associated with the transaction of the merchant wherein the GUID is unique among a plurality transactions of a plurality of merchants;

associate the GUID in the authorization request message with the transaction;

store the GUID associated with the transaction, and information associated with the transaction, for use in subsequent processing of the transaction;

determine that the transaction is approved based on an account associated with the account identifier; and

send an authorization response that does not include the account identifier but that includes the GUID, and an indication that the transaction was approved.

27. The issuer computer of claim 26 wherein the authorization request is received from a transaction handler computer.

28. The issuer computer of claim 26 wherein the amount of funds to be authorized for the transaction is a preliminary quantity of funds and wherein the computer readable code is further configured to be executed by the processor to:

receive an updated authorization request comprising a final quantity of funds and the GUID.

29. The issuer computer of claim 26 wherein the account information is obtained from a portable consumer device associated with the consumer.

30. The issuer computer of claim 26 wherein the GUID was derived using an algorithm without having the account identifier as an input to the algorithm.

31. A method comprising:

obtaining, by an acceptance point device associated with a merchant, account information, including an account identifier, from a consumer to conduct a transaction with the merchant;

sending, by the acceptance point device associated with the merchant, 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;

receiving, by the acceptance point device associated with the merchant, an authorization response message that does not include the account identifier but that includes a Globally Unique Identifier (GUID) associated with the transaction of the merchant wherein the GUID is unique among a plurality of transactions of a plurality of merchants, the code for the transaction, and an indication of whether the transaction was approved;

associating the GUID in the authorization response message with the transaction; and

storing the GUID associated with the transaction instead of the account identifier, the code for the transaction, and information associated with the transaction, for use in subsequent processing of the transaction.

32. The method of claim 31 wherein the amount of funds to be authorized for the transaction is a preliminary quantity of funds and wherein the method further comprises:

transmitting an updated authorization request comprising a final quantity of funds and the GUID.

33. The method of claim 31 wherein the code for the transaction is a date on which the authorization request was formed, a merchant identifier of the merchant, or a logical address corresponding to the location of the merchant device.

34. The method of claim 31 wherein the code for the transaction is created using a pseudo random number generator.

35. The method of claim 31 wherein before sending the authorization request message the method further comprises:

generating the code for the transaction.

36. A merchant system comprising a processor and a non-transitory computer readable medium storing computer readable code configured to be executed by the processor to:

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;

receive an authorization response message that does not include the account identifier but that includes a Globally Unique Identifier (GUID) associated with the transaction of the merchant wherein the GUID is unique among a plurality of transactions of a plurality of merchants, the code for the transaction, and an indication of whether the transaction was approved;

associate the GUID in the authorization response message with the transaction; and

store the GUID associated with the transaction instead of the account identifier, the code for the transaction, and information associated with the transaction, for use in subsequent processing of the transaction.

37. The merchant system of claim 36 wherein the amount of funds to be authorized for the transaction is a preliminary quantity of funds and wherein the computer readable code is further configured to be executed by the processor to:

transmit an updated authorization request comprising a final quantity of funds and the GUID.

38. The merchant system of claim 36 wherein the account information is obtained from a portable consumer device associated with the consumer.

39. The merchant system of claim 36 wherein the code for the transaction is unique among the plurality of transactions of the merchant but not unique across merchants within a payment processing system.

40. The merchant system of claim 36 wherein the GUID was derived using an algorithm without having the account identifier as an input to the algorithm.