Importance

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Abstract

Embodiments of the invention are directed towards improved transaction processing methods and systems with transaction apparatuses, including a value transfer machine, using a device identifier instead of a value transfer machine card to process a transaction. One embodiment of the transaction may be directed to a transaction apparatus and a method including receiving an authentication code from a consumer, sending the authentication code to a first server computer, wherein if the received authentication code matches a generated authentication code, the first server sends a confirmation message. The method continues by receiving the confirmation message from the first server, receiving a secret token from the consumer, and sending an authorization request message to a second server computer. Thereafter, the transaction apparatus receives an authorization response message from the second server, indicating whether the secret token matches an expected token. Other embodiments are directed to first and second servers and corresponding methods.

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First Claim