Visa International Service Association

Brian Byrne

John F Sheets

Kevin D Weller

Lori D Van Deloo

Luba Goldberg

Alfred William Griggs

Andre Walter Machicao

Fred Liu

Marc Batchan

Kevin Yuann

Kim R Wagner

Dinah Sloan

Embodiments of the invention directed to systems and methods that allow for determining a transaction initiation mode used to conduct a transaction and applying a specific set of rules associated with the transaction initiation mode to the transaction. A transaction authorization request message is received at a server computer. The transaction authorization message is for a transaction between a consumer and a merchant and includes a plurality of data elements. The server computer determines a transaction initiation mode, from among at least three different transaction initiation modes, used to conduct the transaction based at least in part on the data elements. The server computer applies a specific set of rules associated with the transaction initiation mode to the transaction.

Transaction initiation determination system utilizing transaction data elements

Systems and methods are described that allow for determining a transaction initiation mode used to conduct a transaction and applying a specific set of rules associated with the transaction initiation mode to the transaction. A transaction authorization request message is received at a server computer. The transaction authorization message is for a transaction between a consumer and a merchant and includes a plurality of data elements. The server computer determines a transaction initiation mode, from among at least three different transaction initiation modes, used to conduct the transaction based at least in part on the data elements. The server computer applies a specific set of rules associated with the transaction initiation mode to the transaction.

A method is disclosed. It includes presenting a payment card to an access device, obtaining additional data, encrypting the additional data, and passing the encrypted additional data to the access device.

Payment card with integrated chip

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Highlands, CO, United States of America

Brian Byrne