Systems and methods for correction of information in card-not-present account-on-file transactions

• US 9,530,130 B2
• Filed: 07/30/2012
• Issued: 12/27/2016
• Est. Priority Date: 07/30/2012
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Rosano, Sharon A.
• Primary Examiner(s): Akintola, Olabode
• Application Number:
  US13/561,987
• Publication Number:
  US 20140032409A1
• Time in Patent Office: 1,611 Days
• Field of Search: 705/36.R, 705/38, 705/39
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing

Abstract

In one aspect, a method for processing a card-not-present account-on-file transaction is provided. The transaction involves a cardholder using payment card information stored by a merchant. The method includes receiving an authorization request message for the transaction, the authorization request message received at a payment network from an acquirer associated with the merchant and receiving an authorization response message, the authorization response message received at the payment network from an issuer. The authorization response includes a denial indicator indicating that the transaction has been denied. The method further includes querying a database coupled to the payment network to determine whether the database includes updated payment card information for a payment card associated with the transaction. The method additionally includes transmitting the updated payment card information associated with the payment card account identifier associated with the transaction to the acquirer for the acquirer to communicate to the merchant.

Claims

1. A method for automatically pushing updated data from a first database to a second database to cause the second database to be synchronized with the first database, the first and second databases synchronized to process a card-not-present account-on-file transaction made by a cardholder using payment card information stored by a merchant in the second database, the method is performed using a payment network computer device coupled to the first database, the payment card information including a payment card account identifier, said method comprising:

receiving, by the payment network computer device, an authorization request message for the transaction, the authorization request message received at the payment network computer device from an acquirer associated with the merchant;

receiving, by the payment network computer device, an authorization response message, the authorization response message received at the computer device from an issuer, the authorization response including a denial indicator indicating that the transaction has been denied;

querying, by the payment network computer device, the first database, based on a denial code included within the denial indicator received directly from the issuer, to determine whether the first database includes updated payment card information associated with the payment card account identifier associated with the transaction;

generating an updated payment card information data file that includes the updated payment card information, a transaction date associated with the transaction, a purchase amount for the transaction, and a merchant identifier that identifies the merchant; and

transmitting, by the payment network computer device, the updated payment card information data file to the acquirer for the acquirer to communicate to the merchant, causing the second database to be updated to include the information in the updated payment card information data file, and prompting the merchant to resubmit the transaction using the information in the updated payment card information data file to complete the transaction.

2. A method in accordance with claim 1, wherein transmitting the updated payment card information data file comprises automatically transmitting the updated payment card information data file to the acquirer in response to detecting the denial indicator at the payment network computer device and without the acquirer requesting the updated payment card information data file.

3. A method in accordance with claim 1, further comprising:

storing, in the first database, the authorization response and denial indicator.

4. A method in accordance with claim 1, wherein receiving an authorization response message further comprises receiving an authorization response message including a denial indicator indicating that a card number associated with the authorization request is incorrect.

5. A method in accordance with claim 1, wherein receiving an authorization response message further comprises receiving an authorization response message including a denial indicator indicating that a card expiration date associated with the authorization request is incorrect.

6. A method in accordance with claim 1, wherein querying the first database to determine whether the first database includes updated payment card information includes determining whether an updated payment card number is stored in the first database associated with the payment card account identifier associated with the transaction.

7. A method in accordance with claim 1, wherein querying the first database to determine whether the first database includes updated payment card information includes determining whether an updated expiration date is stored in the first database associated with the payment card account identifier associated with the transaction.

8. A method in accordance with claim 1, wherein querying the first database to determine whether the first database includes updated payment card information includes determining whether an account cancellation flag is stored in the first database associated with the payment card account identifier associated with the transaction.

9. A method in accordance with claim 1, wherein transmitting the updated payment card information data file is performed upon receiving a request from the acquirer for information regarding denied payment transactions.

10. A method in accordance with claim 9, wherein receiving the request from the acquirer for information regarding denied transactions comprises:

receiving user credentials from the acquirer at a website operated by a web server communicatively coupled to the payment network computer device;

authenticating the acquirer by the payment network computer device based on the received user credentials; and

causing the information in the updated payment card information data file to be displayed to the authenticated acquirer on the website.

11. A network-based system for automatically pushing updated data from a payment database to a merchant database to cause the merchant database to by synchronized with the payment database, the payment and merchant databases synchronized to process a card-not-present account-on-file transaction made by a cardholder using payment card information stored by a merchant in the merchant database, the payment card information including a payment card account identifier, said system comprising:

a payment network;

a payment database for storing updated information associated with the payment card account identifier; and

a payment network server, wherein said payment network communicatively couples said payment database with said payment network server, and wherein said payment network server is configured to;

receive a first authorization request message for the transaction, the first authorization request received from an acquirer computer;

receive an authorization response message, the authorization response message received from an issuer, the authorization response including a denial indicator indicating that the transaction has been denied;

query said payment database, based on a denial code included within the denial indicator received directly from the issuer, to determine whether said payment database includes updated payment card information for the payment card account identifier associated with the transaction;

generate an updated payment card information data file that includes the updated payment card information, a transaction date associated with the transaction, a purchase amount for the transaction, and a merchant identifier that identifies the merchant; and

transmit the updated payment card information date file to the acquirer computer for the acquirer computer to communicate to the merchant computer, causing the merchant database to be updated to include the information in the updated payment card information data file, and prompting the merchant to resubmit the transaction using the information in the updated payment card information data file to complete transaction.

12. A system in accordance with claim 11, wherein said payment network server is further configured to identify the authorization request message as relating to a card-not-present account-on-file transaction.

13. A system in accordance with claim 11, wherein said payment network server is further configured to store, in said payment database, the authorization response and denial indicator.

14. A system in accordance with claim 11, wherein said payment network server is further configured to query said payment database to determine whether said payment database includes at least one of:

an updated payment card number associated with the payment card account identifier associated with the transaction;

an updated expiration date associated with the payment card account identifier associated with the transaction; and

an account cancelation flag associated with the payment card account identifier associated with the transaction.

15. A system in accordance with claim 11, wherein the payment network server is further configured to identify whether the denial indicator indicates that a card number associated with the authorization request is incorrect or that an expiration date associated with the authorization request is incorrect.

16. A system in accordance with claim 11, wherein the payment network server is further configured to transmit the updated payment card information data file to the acquirer computer upon authenticating the acquirer computer to said payment network server.

17. A payment network computer for automatically pushing updated data from a first database to a second database to cause the second database to be synchronized with the first database, the first and second databases synchronized to process a card-not-present account-on-file transaction made by a cardholder using payment card information stored by a merchant in the second database, the payment card information including a payment card account identifier, said computer programmed to:

receive an authorization request message for the transaction, the authorization request message received from an acquirer associated with the merchant;

receive an authorization response message, the authorization response message received from an issuer, the authorization response including a denial indicator indicating that the transaction has been denied;

query the first database, based on a denial code included within the denial indicator received directly from the issuer, to determine whether the first database includes updated payment card information for a payment card account identifier associated with the transaction;

generate an updated payment card information data file that includes the updated payment card information, a transaction date associated with the transaction, a purchase amount for the transaction, and a merchant identifier that identifies the merchant; and

transmit the updated payment card information data file to the acquirer for the acquirer to communicate to the merchant, causing the second database to be updated to include the information in the updated payment card information data file, and prompting the merchant to resubmit the transaction using the information in the updated payment card information data file to complete the transaction.

18. A computer in accordance with claim 17, wherein said computer is further programmed to identify the authorization request message as relating to a card-not-present account-on-file transaction based on a card-not-present account-on-file flag in the authorization request message.

19. A computer in accordance with claim 17, wherein said computer is further programmed to store in the first database the authorization response and denial indicator.

20. A computer in accordance with claim 17, wherein said computer is further programmed to query the first database to determine whether the first database includes at least one of:

an updated payment card number associated with the payment card account identifier associated with the transaction;

an updated expiration date associated with the payment card account identifier associated with the transaction; and

an account cancelation flag associated with the payment card account identifier associated with the transaction.

21. A computer in accordance with claim 17, wherein said computer is further programmed to identify whether the denial indicator indicates that a card number associated with the authorization request is incorrect or that an expiration date associated with the authorization request is incorrect.

22. A non-transitory computer readable storage medium storing computer-executable instructions thereon for automatically pushing updated data from a first database to a second database to cause the second database to be synchronized with the first database, the first and second databases synchronized to process a card-not-present account-on-file transaction made by a cardholder using payment card information stored by a merchant in the second database, the payment card information including a payment card account identifier, wherein when executed by a payment network computer coupled to the first database, causes the payment network computer to:

receive an authorization request message for the transaction, the authorization request message received from an acquirer associated with the merchant;

receive an authorization response message, the authorization response message received from an issuer, the authorization response including a denial indicator indicating that the transaction has been denied;

query the first database, based on a denial code included within the denial indicator received directly from the issuer, to determine whether the first database includes updated payment card information for a payment card account identifier associated with the transaction;

generate an updated payment card information data file that includes the updated payment card information, a transaction date associated with the transaction, a purchase amount for the transaction, and a merchant identifier that identifies the merchant; and

transmit the updated payment card information data file to the acquirer for the acquirer to communicate to the merchant, causing the second database to be updated to include the information in the updated payment card information data file, and prompting the merchant to resubmit the transaction using the information in the updated payment card information data file to complete the transaction.

23. The non-transitory computer readable storage medium in accordance with claim 22, wherein said computer-executable instructions further cause the computer to store in the first database the authorization response and denial indicator.

24. The non-transitory computer readable storage medium in accordance with claim 22, wherein said computer-executable instructions further cause the computer to query the first database to determine whether the first database includes at least one of:

an updated payment card number associated with the payment card account identifier associated with the transaction;

an updated expiration date associated with the payment card account identifier associated with the transaction; and

an account cancelation flag associated with the payment card account identifier associated with the transaction.

25. The non-transitory computer readable storage medium in accordance with claim 22, wherein said computer-executable instructions further cause the computer to transmit the updated payment card information data file to the acquirer upon receiving a request from the acquirer for information regarding denied payment transactions.