TRANSACTION AUTHENTICATION WITH AN MSISDN AT A POS ROUTED THROUGH A MERCHANT ACQUIRER COMPUTER SYSTEM
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United States of America Patent
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N/A
Issued Date -
Aug 15, 2013
app pub date -
May 7, 2012
filing date -
Feb 14, 2012
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
A computer-based method of managing electronic transactions is described. A plurality of consumer accounts is stored in a data store, each consumer account having a first consumer account identifier. A second consumer account identifier in the form of an MSISDN is received in a point-of-sale device. The point-of-sale device transmits the charge request, including an amount and the second consumer account identifier, to a merchant acquirer computer system, which routes the charge request. The charge request is received over a network interface device, the charge request including the amount and the second consumer account identifier. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier, and the charge request is processed based on an account detail of the selected consumer account.
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