System, method, and computer program product for maintaining transaction integrity over public networks

Patent metadata

Field	Value
Publication number	US-11775966-B2
Application number	US-202117411310-A
Country	US
Kind code	B2
Filing date	Aug 25, 2021
Priority date	May 30, 2017
Publication date	Oct 3, 2023
Grant date	Oct 3, 2023

Abstract

A method for maintaining transaction integrity for transactions performed over a public network includes: receiving a transaction message corresponding to an original transaction, the transaction message including a unique, client-assigned, first identifier; in response to receiving the transaction message, assigning a unique, second identifier to the original transaction; generating a request to process the original transaction including at least a portion of the transaction message and the second identifier; transmitting the request to an issuer server to process the original transaction; receiving a first response from the issuer server in connection with the original transaction; in response to the first response, generating a second response corresponding to the original transaction including the first identifier and the second identifier; and transmitting the second response to the client. A system and computer program product for maintaining transaction integrity for transactions performed over a public network is also disclosed.

First claim

The invention claimed is:

1. A method of processing transactions, comprising:
storing, in a database with a transaction processing server of a transaction service provider, first merchant data associated with a merchant, wherein the first merchant data comprises data entries that are constant for transactions involving the merchant;
receiving, with the transaction processing server and from a merchant client device associated with the merchant, a transaction message corresponding to an original transaction, the transaction message comprising first transaction data including data entries that are variable between transactions involving the merchant, wherein the transaction message does not include at least a portion of the data entries that are constant for transactions involving the merchant;
determining, with the transaction processing server, that the transaction message is a reduced transaction message that does not include at least a portion of the data entries that are constant for transactions involving the merchant;
in response to receiving the reduced transaction message, querying, with the transaction processing server and based on the merchant device, the database to identify the at least a portion of the data entries that are constant for transactions involving the merchant;
retrieving, with the transaction processing server, the at least a portion of the data entries that are constant for transactions involving the merchant;
augmenting, with the transaction processing server, the reduced transaction message by modifying the reduced transaction message by inserting the at least a portion of the data entries that are constant for transactions involving the merchant to form an augmented transaction message, the augmented transaction message comprising both the first transaction data and the at least a portion of the data entries that are constant for transactions involving the merchant; and
transmitting, with the transaction processing server, the augmented transaction message to an issuer server to process the original transaction.

2. The method of claim 1 , wherein the original transaction is an electronic payment transaction.

3. The method of claim 1 , wherein the augmented transaction message comprises an authorization request.

4. The method of claim 1 , wherein the data entries which are constant for transactions involving the merchant comprise at least one of: merchant name, merchant identifier, merchant classification, merchant contact data, location of sale data, point-of-sale data, and acquirer data.

5. The method of claim 1 , wherein the reduced transaction message is transmitted from the merchant device over a public network, wherein the reduced transaction message comprises a unique, merchant-assigned, first identifier.

6. The method of claim 1 , further comprising:
receiving a follow-on message from the merchant device, the follow-on message comprising the first identifier, wherein the follow-on message comprises a request and/or action associated with the original transaction;
analyzing the follow-on message to identify the first identifier and the request and/or action associated with the original transaction;
based on the identified first identifier, associating the follow-on message with the original transaction; and
executing the identified request and/or action associated with the original transaction.

7. A system for processing transactions, comprising at least one transaction processing server of a transaction service provider including at least one processor, the at least one transaction processing server programmed and/or configured to:
store, in a database, first merchant data associated with a merchant, wherein the first merchant data comprises data entries that are constant for transactions involving the merchant;
receive, from a merchant device associated with the merchant, a transaction message corresponding to an original transaction, the transaction message comprising first transaction data including data entries that are variable between transactions involving the merchant, wherein the transaction message does not include at least a portion of the data entries that are constant for transactions involving the merchant;
determine that the transaction message is a reduced transaction message that does not include at least a portion of the data entries that are constant for transactions involving the merchant;
in response to receiving the reduced transaction message, query, based on the merchant device, the database to identify the at least a portion of the data entries that are constant for transactions involving the merchant;
retrieve the at least a portion of the data entries that are constant for transactions involving the merchant;
augment the reduced transaction message by modifying the reduced transaction message by inserting the at least a portion of the data entries that are constant for transactions involving the merchant to form an augmented transaction message, the augmented transaction message comprising both the first transaction data and the at least a portion of the data entries that are constant for transactions involving the merchant; and
transmit the augmented transaction message to an issuer server to process the original transaction.

8. The system of claim 7 , wherein the original transaction is an electronic payment transaction.

9. The system of claim 7 , wherein the augmented transaction message comprises an authorization request.

10. The system of claim 7 , wherein the data entries which are constant for transactions involving the merchant comprise at least one of: merchant name, merchant identifier, merchant classification, merchant contact data, location of sale data, point-of-sale data, and acquirer data.

11. The system of claim 7 , wherein the reduced transaction message is transmitted from the merchant device over a public network, wherein the reduced transaction message comprises a unique, merchant-assigned, first identifier.

12. The system of claim 7 , wherein the at least one transaction processing server is programmed and/or configured to:
receive a follow-on message from the merchant device, the follow-on message comprising the first identifier, wherein the follow-on message comprises a request and/or action associated with the original transaction;
analyze the follow-on message to identify the first identifier and the request and/or action associated with the original transaction;
based on the identified first identifier, associate the follow-on message with the original transaction; and
execute the identified request and/or action associated with the original transaction.

13. A computer program product for processing transactions, comprising at least one non-transitory computer-readable medium including program instructions that, when executed by at least one transaction processing server of a transaction service provider comprising at least one processor, cause the at least one processor to:
store, in a database, first merchant data associated with a merchant, wherein the first merchant data comprises data entries that are constant for transactions involving the merchant;
receive, from a merchant device associated with the merchant, a transaction message corresponding to an original transaction, the transaction message comprising first transaction data including data entries that are variable between transactions involving the merchant, wherein the transaction message does not include at least a portion of the data entries that are constant for transactions involving the merchant;
determine that the transaction message is a reduced transaction message that does not

Assignees

• Visa Int Service Ass

Inventors

• Kurien Libby A
• Powell Glenn
• Sreenivasan Murali Krishnan
• Pandya Anand
• Choudhury Bishenjit Paul
• Tseselsky David
• Olmos Galileo L

Classifications

• G06Q20/382 Primary

  insuring higher security of transaction · CPC title

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q20/202

  Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR · CPC title

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title

• H04W12/106

  Packet or message integrity · CPC title