ENABLING SYNCHRONIZATION BETWEEN DISPARATE PAYMENT ACCOUNT SYSTEMS

ENABLING SYNCHRONIZATION BETWEEN DISPARATE PAYMENT ACCOUNT SYSTEMS

Systems and methods that synchronize consumer accounts between disparate payment account systems. In some embodiments, a payment network receives an authorization request for a consumer transaction from a merchant acquirer processor including original payment credentials. The process includes transm...

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Hauptverfasser: KILLIAN, Patrick, APPANA, Venu, LISCIA, Maurice David
Format: Patent
Sprache:eng ; fre ; ger
Schlagworte:
CALCULATING
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DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Zusammenfassung:Systems and methods that synchronize consumer accounts between disparate payment account systems. In some embodiments, a payment network receives an authorization request for a consumer transaction from a merchant acquirer processor including original payment credentials. The process includes transmitting a query to credential mapping database, receiving a response including a primary account number (PAN) and a multi-entity flag, transmitting the authorization request to an issuer financial institution (FI), receiving an approval response from the issuer FI. The process also includes routing the authorization request and the multi-entity flag to a payment gateway to forward to an appropriate stored value account (SVA) processor, receiving a disposition message indicating approval of the transaction by the SVA processor, and transmitting an authorization response to the merchant acquirer processor.