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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
First Claim
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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.

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