Mastercard International Incorporated

Brad Michael Tomchek

Shoon Ping Wong

Janet Marie Smith

Robert D Reany

Jonathan Robert Powell

Suman Rausaria

Jill E Chong

Edward Cletus Seaver

Cathrine Lee Bone

Linda L McCorkell

Michael William Koch

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.

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

A method and system for processing a financial transaction using a co-brand proprietary payment card through a multi-party payment card interchange network is provided. The method includes storing within a database a list of merchants participating in a co-brand program with the interchange network, receiving an authorization request for the transaction involving the co-brand payment card wherein the authorization request includes a merchant identifier, determining whether the transaction originated at one of the participating merchants by comparing the received merchant identifier to the list of participating merchants stored within the database, manipulating the authorization request to include a private label identifier when the transaction is determined to have originated at one of the participating merchants, and transmitting an authorization response from the interchange network to the acquirer. The authorization response includes the private label identifier and designates the transaction for processing as a private label transaction.

Methods and systems for managing co-brand proprietary financial transaction processing

A method and system for processing a financial transaction using an enhanced payment card through a multi-party payment card interchange network are provided. An authorization request message generated at a point of sale (POS) device associated with a merchant is received at a computer associated with the interchange network. The authorization request message includes a card identifier and relates to a transaction initiated by the cardholder with the merchant using the enhanced payment card. The transaction is electronically identified as involving the enhanced payment card by matching the received card identifier to a list of card identifiers stored within a database. A product code identifying the transaction as an enhanced payment card transaction is electronically added to the authorization request message. The merchant is instructed to transmit to the interchange computer an addendum file including enhanced transaction data for the enhanced payment card transaction.

A method and system for processing a financial transaction using a payment card through a third-party interchange network is provided. The financial transaction is initiated by a cardholder at a merchant location. The method includes storing a list of private label participating merchants, receiving an authorization request for the transaction involving the payment card wherein the authorization request includes a merchant location identifier for the merchant location where the transaction occurred, performing a merchant screening process on the transaction including validating the transaction as originating at a private label participating merchant location, manipulating at the interchange network the authorization request to include a private label identifier when the transaction is determined to have originated at one of the participating merchants, and transmitting the manipulated authorization request with the private label identifier to an issuer of the payment card for processing as a private label transaction.

Methods and systems for managing merchant screening

A method and system for processing a merchant identification request from a private label payment card issuer is provided. The issuer is communicatively coupled to a multi-party payment card interchange that includes access to a database. The database stores a plurality of historical multi-party payment card transactions. The method includes transmitting a list of private label merchant locations from the issuer to the interchange wherein the list includes physical location information relating to the private label merchants listed, processing the list at the interchange by applying thereto an identification analysis including one of merchant matching only, test transaction only, and merchant matching plus test transaction, identifying at least one private label merchant location included within the list including associating a unique identifier with the at least one identified private label merchant location, and outputting the at least one identified private label merchant location with the associated unique identifier.

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St. Charles, MO, United States of America

Brad Michael Tomchek