System and method including chip-based device processing for transaction
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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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.
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Citations
20 Claims
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1. A method comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A server computer comprising:
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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 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 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 the second authorization request message to the issuer for approval. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A method comprising:
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receiving, at a client computer, account information from a data storage of a portable device; establishing, by the client computer, a secure communications channel with a remote server computer; and forwarding, by the client computer, the account information to the server computer, wherein the server computer thereafter; receives a first authorization request message from a merchant for a transaction, wherein the first authorization request message is received in a first format; and sends a second authorization request message for the transaction in a second format to an issuer, wherein the second format is more secure than the first format. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification