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Secure payment processing using authorization request

  • US 10,096,009 B2
  • Filed: 01/20/2015
  • Issued: 10/09/2018
  • Est. Priority Date: 01/20/2015
  • Status: Active Grant
First Claim
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1. A method comprising:

  • receiving, by a management computer, an authorization identifier, wherein the authorization identifier is generated by an authorization computer after the authorization computer receives a first authorization request message comprising an original account identifier and a zero, nominal or no dollar amount, wherein the authorization identifier is provided in a first authorization response message;

    generating, by the management computer, a replacement account identifier request message;

    transmitting, by the management computer, the replacement account identifier request message to a payment processing computer, the replacement account identifier request message includes the authorization identifier;

    receiving, by the management computer, in response to transmitting the replacement account identifier request message including the authorization identifier, a replacement account identifier response message comprising a replacement account identifier;

    generating, by the management computer, a second authorization request message comprising a transaction amount and the replacement account identifier to the payment processing computer to authorize a transaction; and

    receiving, by the management computer, a second authorization response message authorizing or declining the transaction, the second authorization response message including the replacement account identifier.

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