US 12,293,361 B2
System and method for processing a transaction using account information on file
Lisa-Marie Gill, Tannersville, PA (US); Jonathan Collin, Rayleigh (GB); and Claire Le Gal, New York, NY (US)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by Mastercard International Incorporated, Purchase, NY (US)
Filed on Jan. 13, 2022, as Appl. No. 17/574,758.
Application 17/574,758 is a continuation of application No. 16/671,526, filed on Nov. 1, 2019, granted, now 11,232,424.
Application 16/671,526 is a continuation of application No. 15/229,705, filed on Aug. 5, 2016, granted, now 10,504,095, issued on Dec. 10, 2019.
Prior Publication US 2022/0138716 A1, May 5, 2022
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/20 (2012.01); G06Q 20/34 (2012.01); G06Q 20/36 (2012.01)
CPC G06Q 20/401 (2013.01) [G06Q 20/20 (2013.01); G06Q 20/206 (2013.01); G06Q 20/34 (2013.01); G06Q 20/36 (2013.01); G06Q 20/40 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A computing system for processing a transaction using account information on file comprising:
a network interface of a payment processing computer system configured to receive, from a merchant computing device of a merchant, a payment authorization request message comprising content embedded therein for processing a payment transaction based on a primary account number (PAN) of a cardholder; and
a processor of the payment processing computer system configured to:
identify, based on a bitmap stored within the payment authorization request message, that a unique identifier is present in an existing data field within the embedded content of the payment authorization request message, wherein the unique identifier comprises a first value if the payment account information is saved on file with the merchant and a different second value if the payment account information is saved on file with a non-merchant payment entity, and wherein the unique identifier verifies that the merchant has a pre-existing relationship with the cardholder;
determine, based on the unique identifier, that the PAN was successfully used at the merchant previously; and
execute the payment transaction in response to the determination that the PAN was successfully used previously at the merchant.