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Method and system for processing PIN debit transactions

  • US 9,317,850 B2
  • Filed: 04/05/2011
  • Issued: 04/19/2016
  • Est. Priority Date: 04/05/2010
  • Status: Active Grant
First Claim
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1. A system for processing a debit transaction between a merchant server and a consumer computer, said system comprising:

  • one or more processors of a third party programmed to;

    receive a card number identifying a debit card of the consumer for completion of the debit transaction from the consumer computer;

    select on of a plurality of different credentialing applications based on the received card number, said credentialing applications operative to collect authentication data from the consumer computer;

    collect authentication data for the debit card from the consumer computer using the selected credentialing application;

    subsequent to collecting the authentication data;

         1) generate an alias account number correlated with the card number; and

         2) store the alias account number, the card number identifying the debit card, and the authentication data in a storage;

    transmit the alias account number to the merchant server, wherein the alias account number is unique to the debit transaction relative to other debit transaction;

    subsequent to transmitting the alias account number to the merchant server, receive from the merchant server a credit authorization request to capture funds from the alias account number, the credit authorization request received from the merchant server in a credit authorization message, wherein the credit authorization message includes the alias account number;

    retrieve the authentication data from the storage using the alias account number in the credit authorization message;

    translate the received credit authorization message to a debit authorization request message using the authentication data, wherein the debit authorization request message includes the authentication data; and

    request debit authorization to capture funds from the card number by transmitting the debit authorization request message to a payment processor,wherein the debit card comprises a PIN debit card and said collected authentication data includes a personal identification number (PIN) for the debit card.

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