Tokenization and third-party interaction
First Claim
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1. A method for facilitating a transaction, the method comprising:
- receiving, at a server computer from an access device of a merchant, via a first communication channel, an authorization request message comprising at least a temporary credential and a first amount;
replacing, by the server computer, the temporary credential with a primary account number associated with the temporary credential;
suspending, by the server computer, transmission of the authorization request message to an issuer for a predetermined time period;
determining, by the server computer, a discount associated with the transaction;
replacing, by the server computer, the first amount with a second amount, wherein the second amount is the first amount minus the discount; and
transmitting, by the server computer, the authorization request message comprising the second amount and the primary account number to the issuer for further processing.
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Abstract
Processing of a transaction involving one or more third-parties and offers is described. Certain embodiments allow for suspending a received authorization request message which includes a transaction amount and a token mapped to a primary account number. One or more third-parties may be queried for an offer or discount eligible towards the transaction. The authorization request message may be adjusted to reflect one or more eligible offers from the one or more third-parties. The authorization request message may also be adjusted to replace the token with the mapped PAN. The authorization request message may then be sent to an issuer for further processing.
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Citations
21 Claims
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1. A method for facilitating a transaction, the method comprising:
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receiving, at a server computer from an access device of a merchant, via a first communication channel, an authorization request message comprising at least a temporary credential and a first amount; replacing, by the server computer, the temporary credential with a primary account number associated with the temporary credential; suspending, by the server computer, transmission of the authorization request message to an issuer for a predetermined time period; determining, by the server computer, a discount associated with the transaction; replacing, by the server computer, the first amount with a second amount, wherein the second amount is the first amount minus the discount; and transmitting, by the server computer, the authorization request message comprising the second amount and the primary account number to the issuer for further processing. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A server computer, comprising:
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a processor; and a non-transitory computer-readable storage medium, comprising code executable by the processor for implementing a method for authenticating a user for a transaction, the method comprising; receiving, from an access device, via a first communication channel, an authorization request message comprising at least a temporary credential and a first amount; replacing the temporary credential with a primary account number associated with the temporary credential; suspending transmission of the authorization request message to an issuer for a predetermined time period; determining a discount associated with the transaction; replacing the first amount with a second amount, wherein the second amount is the first amount minus the discount; and transmitting the authorization request message comprising the second amount and the primary account number to the issuer for further processing. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21)
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Specification