Methods and systems for providing enhanced data for co-brand payment card transactions

US8626664B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Brad Michael Tomchek · Holden, US
• Robert D. Reany · New Canaan, US
• Michael Koch · Radebeul, DE
• Edward Cletus Seaver · Sandy Hook, US
• Jonathan Robert Powell · Rye Brook, US

Key dates

• Filing date: Sep 28, 2012
• Grant date: Jan 7, 2014
• Expiry date: Sep 28, 2032

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A computer-based method for processing a payment transaction using an enhanced payment card is provided. The transaction is processed using a computer device coupled to a storage device. The enhanced payment card is issued to a cardholder by an issuer. The method includes receiving an authorization request message associated with a merchant. The authorization request message includes a card identifier and relating to a transaction initiated by the cardholder with the merchant using the enhanced payment card. The method includes transmitting an authorization response message to the merchant. The authorization response message is generated by the issuer and including an instructing message. The merchant is instructed, via the instructing message, to transmit to the computer device an addendum file including enhanced transaction data for the transaction.