System and method including chip-based device processing for transaction

• US 8,473,414 B2
• Filed: 04/08/2011
• Issued: 06/25/2013
• Est. Priority Date: 04/09/2010
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Hammad, Ayman
• Primary Examiner(s): JOHNSON, GREGORY L
• Application Number:
  US13/083,129
• Publication Number:
  US 20110276487A1
• Time in Patent Office: 809 Days
• Field of Search: None
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• 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 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Present embodiments are directed to a server computer. The server computer establishes a first channel of communication to receive payment device data in a first format (e.g., chip type) and establishes a second channel to receive the payment device data in a second format (e.g., legacy type). The server computer receives an authorization request message in the second format from a merchant and generates a new authorization request message in the first format. The server computer then forwards the new authorization request to the issuer for approval.

Claims

1. A server computer comprising:

a processor; and

a computer readable medium coupled to the processor, wherein the computer readable medium includes code executable by the processor for implementing a method comprising;

receiving a first authorization request message from a merchant through a communications channel, wherein the first authorization request message includes an identifier of a financial account associated with an issuer, and wherein the first authorization request message is in a first format;

creating a second authorization request message corresponding to the first authorization request message, wherein the second authorization request message is in a chip type format; and

forwarding the second authorization request message to the issuer for approval.

2. The server computer of claim 1, wherein the communications channel is a second communications channel, and wherein the method further comprises:

receiving account information through a first communications channel between the server computer and a client computer, wherein a verification token associated with the client computer previously interacted with a portable device;

generating a verification value associated with the received account information; and

forwarding the verification value to the client computer through the first communications channel.

3. The server computer of claim 2, wherein the first authorization request message is in a magnetic stripe data format.

4. The server computer of claim 3, wherein the magnetic stripe data format is an ISO 8583 format.

5. The server computer of claim 2, wherein the portable device is a payment card.

6. The server computer of claim 2, wherein the verification token comprises a USB device.

7. The server computer of claim 6, wherein the USB device comprises a unique serial number and keyboard buffer capabilities.

8. The server computer of claim 1, wherein the second authorization request message comprises a cryptogram and a variable data element.

9. The server computer of claim 8, wherein the variable data element comprises a counter value, and wherein the second authorization request message further comprises an account number, an expiration date, and a service code.

10. A server computer comprising:

a processor; and

a computer readable medium coupled to the processor, wherein the computer readable medium includes code executable by the processor for implementing a method comprising;

receiving account information through a first communications channel between the server computer and a client computer, wherein a verification token associated with the client computer previously interacted with a portable device, and wherein the portable device is associated with an issuer;

generating a verification value associated with the received account information;

forwarding the verification value to the client computer through the first communications channel;

receiving a first authorization request message from a merchant through a second communications channel, wherein the first authorization request message is in a first format, and wherein the first authorization request message includes the verification value;

creating a second authorization request message corresponding to the first authorization request message, wherein the second authorization request message is in a chip type format; and

forwarding the second authorization request message to the issuer for approval.

11. A method comprising:

receiving a first authorization request message from a merchant through a communications channel, wherein the first authorization request message includes an identifier of a financial account associated with an issuer, and wherein the first authorization request message is in a first format;

creating, by a server computer, a second authorization request message corresponding to the first authorization request message, wherein the second authorization request message is in a chip type format; and

forwarding the second authorization request message to the issuer for approval.

12. The method of claim 11, wherein the communications channel is a second communications channel, and wherein the method further comprises:

receiving account information through a first communications channel between the server computer and a client computer, wherein a verification token associated with the client computer previously interacted with a portable device;

generating a verification value associated with the received account information; and

forwarding the verification value to the client computer through the first communications channel.

13. The method of claim 12, wherein the portable device is associated with the issuer, and wherein the first authorization request message includes the verification value.

14. The method of claim 12, wherein the verification value is a dynamic card verification value.

15. The method of claim 11, further comprising:

sending an authorization response message from the issuer to the merchant through the second communications channel.

16. A method comprising:

receiving account information from a portable device, wherein the portable device comprises a chip storing the account information;

establishing a secure communications channel with a remote server computer; and

forwarding the account information associated with an account to the server computer, wherein the server computer thereafter receives a first authorization request message from a merchant for a transaction, and then sends a second authorization request message for the transaction in a chip type data format to an issuer, wherein the first authorization request message is in a format different than the chip type data format.

17. The method of claim 16, wherein the account information comprises a counter value.

18. The method of claim 16 wherein the first authorization request message is in a magnetic stripe data format.

19. The method of claim 16 wherein the account information is received at a client computer using a verification token.

20. The method of claim 19 wherein the verification token is embedded in the client computer.

21. A client computer comprising:

a processor, and a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor, for implementing a method comprising;

receiving account information from a portable device, wherein the portable device comprises a chip storing the account information;

establishing a secure communications channel with a remote server computer; and

forwarding the account information associated with an account to the server computer, wherein the server computer thereafter receives a first authorization request message from a merchant for a transaction, and then sends a second authorization request message for the transaction in a chip type data format to an issuer, wherein the first authorization request message is in a format different than the chip type data format.

22. The client computer of claim 21, wherein the account information comprises a counter value.

23. The client computer of claim 21 wherein the first authorization request message is in a magnetic stripe data format.

24. The client computer of claim 21 wherein the account information is received at the client computer using a verification token.

25. The client computer of claim 24 wherein the verification token is embedded in the client computer.