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System and method including chip-based device processing for transaction

  • US 8,977,570 B2
  • Filed: 05/21/2013
  • Issued: 03/10/2015
  • Est. Priority Date: 04/09/2010
  • Status: Active Grant
First Claim
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1. A method comprising:

  • receiving, at a server computer, a first authorization request 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 the server computer, a second authorization request message corresponding to the first authorization request message, wherein the second authorization request message is in a second format that is more secure than the first format, and wherein creating the second authorization request message comprises adding a data element to the first authorization request message; and

    forwarding, by the server computer, the second authorization request message to the issuer for approval.

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