Transaction processing using a global unique identifier
First Claim
1. In a payment processing system that includes a transaction handler module processing a plurality of transactions each characterized by a merchant and a consumer engaging in the transaction for a good or a service upon an account that an issuer has issued to the consumer, wherein the merchant submits the transaction to an acquirer for processing by the transaction handler who requests the issuer to obtain payment for the transaction from the account, and wherein the issuer forwards the payment to the transaction handler who forwards the payment to the acquirer to pay the merchant for the transaction, for each said transaction, comprising a computer usable medium having a computer readable program code embodied therein, said computer readable program code adapted to execute a computer implemented method comprising:
- receiving an authorization request having;
a preliminary quantity of funds to be authorized by the issuer;
a code for the transaction that is unique among a plurality of said transactions of one said merchant; and
an account identifier of the account;
associating, with the transaction, a Globally Unique IDentifier (“
GUID”
) that is unique within the payment processing system such that the GUID associated with the transaction is unique among multiple said GUIDs each associated with one said transaction among multiple said transactions of multiple said merchants;
using an algorithm to derive a plurality of said GUIDs, each associated with a corresponding respective said transaction, wherein each said GUID of the plurality of said GUIDs is derived without having a corresponding said account identifier of the account as an input to the algorithm;
forming a first transmission having information for delivery to the issuer and usable to form an authorization response responding to the authorization request, wherein the information includes the GUID;
receiving the authorization response of the issuer, wherein the authorization response includes the GUID but does not include the account identifier;
associating the authorization response with the authorization request by, at least, matching the GUID associated with the transaction with the GUID received in the authorization response;
forming a second transmission containing information for delivery to the merchant, wherein the information does not include the account identifier but includes;
the authorization response;
the GUID; and
the code for the transaction;
receiving a third transmission that includes;
the GUID; and
a final quantity of funds for the transaction;
andforming a fourth transmission having information for delivery to the issuer and usable to forward the final quantity of funds for the transaction from the account to pay the merchant for the transaction, wherein the fourth transmission does not include the account identifier.
1 Assignment
0 Petitions
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.
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Citations
25 Claims
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1. In a payment processing system that includes a transaction handler module processing a plurality of transactions each characterized by a merchant and a consumer engaging in the transaction for a good or a service upon an account that an issuer has issued to the consumer, wherein the merchant submits the transaction to an acquirer for processing by the transaction handler who requests the issuer to obtain payment for the transaction from the account, and wherein the issuer forwards the payment to the transaction handler who forwards the payment to the acquirer to pay the merchant for the transaction, for each said transaction, comprising a computer usable medium having a computer readable program code embodied therein, said computer readable program code adapted to execute a computer implemented method comprising:
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receiving an authorization request having; a preliminary quantity of funds to be authorized by the issuer; a code for the transaction that is unique among a plurality of said transactions of one said merchant; and an account identifier of the account; associating, with the transaction, a Globally Unique IDentifier (“
GUID”
) that is unique within the payment processing system such that the GUID associated with the transaction is unique among multiple said GUIDs each associated with one said transaction among multiple said transactions of multiple said merchants;using an algorithm to derive a plurality of said GUIDs, each associated with a corresponding respective said transaction, wherein each said GUID of the plurality of said GUIDs is derived without having a corresponding said account identifier of the account as an input to the algorithm; forming a first transmission having information for delivery to the issuer and usable to form an authorization response responding to the authorization request, wherein the information includes the GUID; receiving the authorization response of the issuer, wherein the authorization response includes the GUID but does not include the account identifier; associating the authorization response with the authorization request by, at least, matching the GUID associated with the transaction with the GUID received in the authorization response; forming a second transmission containing information for delivery to the merchant, wherein the information does not include the account identifier but includes; the authorization response; the GUID; and the code for the transaction; receiving a third transmission that includes; the GUID; and a final quantity of funds for the transaction; and forming a fourth transmission having information for delivery to the issuer and usable to forward the final quantity of funds for the transaction from the account to pay the merchant for the transaction, wherein the fourth transmission does not include the account identifier. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 22, 24)
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10. Any payment processing system, comprising a computer usable medium having a computer readable program code embodied therein, in which a merchant and a consumer engage in a transaction, a payment quantity of the transaction being unknown when the transaction is authorized by an authorization, the authorization being received by the merchant from an issuer as being payable upon an account issued to the consumer by the issuer, the account being associated with an account identifier, wherein the merchant submits the payment amount of the transaction to the payment processing system with a Globally Unique IDentifier (“
- GUID”
) that identifies;the transaction from other said transactions within the payment processing system; and neither the account nor its associated account identifier. - View Dependent Claims (11, 12, 13, 20, 21)
- GUID”
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14. In a payment processing system that includes a transaction handler module processing a plurality of transactions each characterized by a merchant and a consumer engaging in the transaction for a good or a service upon an account that an issuer has issued to the consumer, wherein the merchant submits the transaction to an acquirer for processing by the transaction handler who requests the issuer to obtain payment for the transaction from the account, and wherein the issuer forwards the payment to the transaction handler who forwards the payment to the acquirer to pay the merchant for the transaction, for each said transaction, comprising a computer usable medium having a computer readable program code embodied therein, said computer readable program code adapted to execute a computer implemented method comprising:
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forming an authorization request having; a preliminary quantity of funds to be authorized for the transaction by the issuer; a code for the transaction that is unique among a plurality of said transactions of one said merchant; and an account identifier of the account; receiving an authorization response of the issuer responding to the authorization request and not including the account identifier but including; the code for the transaction; and a Globally Unique IDentifier (“
GUID”
), wherein the GUID is unique within the payment processing system such that the GUID associated with the transaction is unique among multiple said GUIDs each associated with one said transaction among multiple said transactions of multiple said merchants, wherein the multiple said GUIDs are derived using an algorithm without having a corresponding said account identifier of the account as an input to the algorithm;associating the GUID received in the authorization response with the transaction by, at least, matching the code for the transaction in the authorization request with the code for the transaction received in the authorization response; and when the response includes an indication that the transaction has been authorized; releasing the good or the service to the consumer; and forming a transmission including; the GUID; and a final quantity of funds for the transaction that is to be the payment for the transaction from the account, wherein the transmission does not include the account identifier; and receiving a notification that the payment amount from the account has been forwarded to the acquirer. - View Dependent Claims (15, 16, 17, 18, 19, 23, 25)
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Specification