Systems and methods of improved electronic messaging

US10482468B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Ahmed Hosny · Dublin, IE
• Peter Groarke · Dublin, IE

Key dates

• Filing date: Nov 11, 2016
• Grant date: Nov 19, 2019
• Expiry date: Dec 24, 2037

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/08
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method of electronic user message protocol extension for a transaction requiring delivery is provided. The method is implemented using a message protocol extension (MPE) computing device. The method comprises receiving, from a merchant computing device, transaction data including a merchant identifier identifying a merchant as a default liable party, receiving, from a delivery computing device, an authorization advice data message including recipient account data for an account of the recipient, extracting an issuer identifier, reallocating transaction liability by replacing the merchant identifier with the issuer identifier in a liable party transaction record, generating an updated authorization advice data message by inserting, into the authorization advice data message, a liability update flag indicating message protocol extension to the issuer, transmitting the updated authorization advice data message to an issuer computing device associated with the issuer, thereby completing message protocol extension for the item from the merchant to the issuer.