Mastercard International Incorporated

Jill E Chong

Suman Rausaria

Shoon Ping Wong

Aimee G Musil

Janet Marie Smith

Maria Rice

Brad Michael Tomchek

Winifred Elizabeth House

Sharon Mohrlock

Mike Rethorn

Anushree Ashutosh Prabhune

Richard Lower

Cathrine Lee Bone

Carol A Jonak

Linda L McCorkell

A message routing and processing computing device and associated methods for routing and processing computer messages are disclosed. The message routing and processing computing device stores payment account identifiers and associated message routing instructions and is configured to receive a computer message including a payment account identifier. Based, at least in part, on the payment account identifier, the message routing and processing computing device determines a message route for the message and routes the message accordingly.

Computer message routing and processing system and method

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 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

Growing community of inventors

Ballwin, MO, United States of America

Jill E Chong