SYSTEM AND METHODS FOR ACCEPTING DUAL FUNCTION PAYMENT CREDENTIAL

SYSTEM AND METHODS FOR ACCEPTING DUAL FUNCTION PAYMENT CREDENTIAL

A transaction authorization request message is received. The message includes a payment token and a merchant identifier. The payment token is detokenized to detect account mapping for the payment token. From the account mapping, it is determined that a debit transaction option and an ACH (automated...

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Hauptverfasser: MALHOTRA, Sandeep, SUBRAMANIAM, Shanthan, LOPES, Vitorino Jose Pereira
Format: Patent
Sprache:eng ; fre ; ger
Schlagworte:
CALCULATING
COMPUTING
COUNTING
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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Beschreibung
Zusammenfassung:A transaction authorization request message is received. The message includes a payment token and a merchant identifier. The payment token is detokenized to detect account mapping for the payment token. From the account mapping, it is determined that a debit transaction option and an ACH (automated clearing house) transaction option exist for the payment token. A selection is made between the debit transaction option and the ACH transaction option based at least in part on the merchant identifier.