Systems and Methods for Use in Processing Transactions to Payment Accounts
First Claim
1. A computer-implemented method for use in processing at least one transaction, between a consumer and a first merchant, to a payment account issued by a second merchant, the method comprising:
- receiving a charge request for a product from the first merchant, the charge request including an identifier associated with the payment account issued by the second merchant;
determining, at a computing device, based on the identifier, a uniform account number (UAN) for the payment account, the UAN being unique to the payment account and defining a format different than a format of the identifier; and
causing, based on the determined UAN, a balance of the payment account to be altered.
1 Assignment
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Accused Products
Abstract
Systems and methods are provided for processing transactions made at various merchants to payment accounts issued by other different merchants. One exemplary method generally includes receiving a charge request from a first merchant, relating to a transaction for a product at the first merchant between the first merchant and a consumer, where the charge request includes an identifier associated with a payment account used by the consumer in the transaction and issued by a second merchant. The method also generally includes determining, at a computing device, based on the identifier, a uniform account number (UAN) for the payment account where the UAN is unique to the payment account and defining a format different than a format of the identifier, and then causing, based on the determined UAN, a balance of the payment account to be altered.
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Citations
19 Claims
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1. A computer-implemented method for use in processing at least one transaction, between a consumer and a first merchant, to a payment account issued by a second merchant, the method comprising:
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receiving a charge request for a product from the first merchant, the charge request including an identifier associated with the payment account issued by the second merchant; determining, at a computing device, based on the identifier, a uniform account number (UAN) for the payment account, the UAN being unique to the payment account and defining a format different than a format of the identifier; and causing, based on the determined UAN, a balance of the payment account to be altered. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system for processing at least one transaction, between a consumer and a first merchant, to a payment account issued by a second merchant, the system comprising:
a payment network including a memory and configured to; receive a charge request for a transaction to a payment account issued by a first merchant, the charge request including an identifier of the payment account and a charge amount; in response to the charge request, calculate at least part of a UAN, based on the identifier; and debit the charge amount from the payment account associated with the UAN. - View Dependent Claims (11, 12, 13, 14, 15)
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16. A non-transitory computer readable storage media including executable instructions which, when executed by at least one processor, cause the at least one processor to:
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receive a charge request for a transaction, the request including an identifier associated with a merchant payment account; determine, based on the identifier, a uniform account number (UAN), the UAN being unique to the merchant payment account; and alter a balance associated with the merchant payment account based on the charge request and the UAN. - View Dependent Claims (17, 18, 19)
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Specification