Secure payment processing using authorization request
First Claim
Patent Images
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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Abstract
A payment system that uses replacement account identifiers is disclosed. An encrypted primary account number (PAN) may be received by a secure computer from a data entry device. The encrypted PAN may be decrypted by the secure computer and the secure computer may transmit a zero, nominal or no dollar authorization request to an issuer. Using the zero, nominal or no dollar authorization request, the issuer may verify the account. If the account is verified, then a replacement account identifier can be issued at a later time. The replacement account identifier may be used instead of the actual PAN to conduct payment transactions.
532 Citations
13 Claims
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1. A method comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A management computer comprising:
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a processor; and a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor to implement a method comprising receiving 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 a replacement account identifier request message; transmitting the replacement account identifier request message to a payment processing computer, the replacement account identifier request message includes the authorization identifier; receiving, 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. - View Dependent Claims (9)
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10. A system comprising:
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a local workstation; and a management computer in communication with the local workstation, the management computer comprising a processor, and a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor to implement a method comprising receiving an authorization identifier from the local workstation, wherein the authorization identifier is generated by an authorization computer after the authorization computer receives an 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 a replacement account identifier request message; transmitting the replacement account identifier request message to a payment processing computer, the replacement account identifier request message includes the authorization identifier; receiving 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. - View Dependent Claims (11, 12, 13)
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Specification