Methods and systems for providing enhanced data for co-brand payment card transactions
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United States of America Patent
Stats
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Jan 7, 2014
Grant Date -
Apr 11, 2013
app pub date -
Sep 28, 2012
filing date -
Dec 15, 2009
priority date (Note) -
In Force
status (Latency Note)
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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.
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