Host capture

• US 9,292,850 B2
• Filed: 09/05/2008
• Issued: 03/22/2016
• Est. Priority Date: 09/10/2007
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Patterson, Barbara
• Primary Examiner(s): Coppola, Jacob C.
• Application Number:
  US12/205,112
• Publication Number:
  US 20090070171A1
• Time in Patent Office: 2,755 Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• 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 20/401 Transaction verification
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A system and method for processing transactions. A unique transaction identifier is generated for each transaction. Processing of the transaction utilizes the unique transaction identifier.

Claims

1. A method for processing a transaction, comprising:

receiving, by a server computer, an authorization request message comprising an account number from an access device at a merchant;

identifying, by the server computer, an issuer identifier from the account number;

sending, by the server computer, the authorization request message to an issuer computer using the issuer identifier;

associating, by the server computer, a unique transaction identifier with the transaction through a lookup table comprising a reference identifier, wherein the reference identifier is associated with the unique transaction identifier in the lookup table;

receiving, by the server computer, an authorization response message comprising the account number from the issuer computer after the issuer computer authorizes the transaction;

adding, by the server computer, the unique transaction identifier to the authorization response message and removing the account number from the authorization response message; and

sending, by the server computer, the authorization response message including the unique transaction identifier to the access device at the merchant to complete authorization of the transaction, wherein the merchant stores the unique transaction identifier instead of the account number.

2. The method of claim 1 wherein the issuer identifier is a BIN number.

3. The method of claim 1 wherein the reference identifier is the account number.

4. The method of claim 1, further comprising:

receiving, by the server computer, a chargeback request relating to the transaction from the issuer computer, wherein the chargeback request comprises the unique transaction identifier;

determining, by the server computer, the account number from the unique transaction identifier; and

clearing, by the server computer, the chargeback request.

5. The method of claim 1, wherein the unique transaction identifier comprises 15 digits.

6. The method of claim 1, further comprising:

clearing the transaction in less than thirty minutes.

7. The method of claim 1, further comprising:

moving funds for the transaction between the issuer computer and an acquirer computer.

8. The method of claim 1, wherein the reference identifier comprises the account number or the date of the transaction.

9. The method of claim 1, wherein the reference identifier was manipulated from the account number using a mathematical formula.

10. The method of claim 1, wherein the unique transaction identifier cannot be re-used for another transaction for up to ten years.

11. The method of claim 1 wherein the server computer is in a payment processing network that is adapted by process credit and debit card transactions.

12. The method of claim 1 wherein the unique transaction identifier is derived from the account number.

13. The method of claim 1 wherein the unique transaction identifier is derived from a date of the transaction.

14. The method of claim 1 wherein the authorization request message further comprises a transaction amount.

15. The method of claim 14 further comprising:

receiving, by the access device, the account number from a portable consumer device.

16. The method of claim 15 wherein the portable consumer device comprises an RF antenna.

17. The method of claim 1 wherein the merchant is an online merchant.

18. A server computer comprising a processor and a non-transitory computer readable medium comprising program code executable by the processor to implement a method comprising:

receiving an authorization request message comprising an account number from an access device at a merchant for a transaction;

identifying an issuer identifier from the account number;

sending the authorization request message to an issuer computer using the issuer identifier;

associating a unique transaction identifier with the transaction through a lookup table comprising a reference identifier, wherein the reference identifier is associated with the unique transaction identifier in the lookup table;

receiving an authorization response message comprising the account number from the issuer computer after the issuer computer authorizes the transaction;

adding the unique transaction identifier to the authorization response message and removing the account number from the authorization response message; and

sending the authorization response message including the unique transaction identifier to the access device at the merchant to complete authorization of the transaction, wherein the merchant stores the unique transaction identifier instead of the account number.

19. The server computer of claim 18, wherein the method further comprises:

receiving a chargeback request relating to the transaction from the issuer computer, wherein the chargeback request comprises the unique transaction identifier;

determining the account number from the unique transaction identifier; and

clearing the chargeback request.

20. The server computer of claim 18, wherein said method comprises clearing the transaction in less than thirty minutes.

21. The server computer of claim 18, wherein the authorization response message including the unique transaction identifier is sent to an acquirer before the authorization response message is received by the access device.

22. The server computer of claim 18, wherein the issuer identifier is a BIN number.