Private label purchase card acceptance systems and methods

US7848977B2 · kind B2 · utility

Assignee

• FIRST DATA CORPORATION · US

Inventors

• James Alan McCarthy · Omaha, US
• Paul Fortney · Omaha, US
• Curtis Gregory Winchester · Omaha, US
• Brian Lee Teller · Omaha, US
• Douglas Byerley · Overland Park, US
• Arthur Silvio Velez · Bel Air, US
• Joni Wren Wheeler · Omaha, US
• Stephen Hug · Omaha, US

Key dates

• Filing date: May 9, 2005
• Grant date: Dec 7, 2010
• Expiry date: Jan 18, 2029

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method of processing a purchase card transaction includes receiving a transaction request at a host computer system from a point-of-sale device of a first merchant. The transaction request comprises transaction details relating to a purchase from the first merchant using a private label purchase card relating to a second merchant and an issuer. The first merchant and the second merchant are different merchants. The transaction details comprise at least an identifier relating to the first merchant, an amount, and an account identifier relating to the private label purchase card. The method further includes evaluating at least a portion of the account identifier, recognizing that the account identifier relates to the issuer, routing at least a portion of the transaction request to the issuer, and facilitating a payment from the issuer to the first merchant.