System, method, and computer program product for host based purchase restriction

1 . A computer-implemented method, comprising:

receiving, with at least one processor of an issuer system in an electronic payment network, from a point-of-sale (POS) device of a merchant system in the electronic payment network, an authorization request including a 0100 message in an ISO 8583 standard format associated with a transaction at the merchant system using a chip-based payment device storing a chip-based purchase restriction in a chip-card format, wherein the chip-card format includes a sixteen character field, and wherein the authorization request includes (i) an account identifier and (ii) a purchase restrictions flag including a single character field in the authorization request and having a value indicating whether the merchant system supports host-based purchase restrictions;

determining, with the at least one processor of the issuer system in the electronic payment network, based on the purchase restrictions flag, that the merchant system supports host-based purchase restrictions;

determining, with the at least one processor of the issuer system in the electronic payment network, based on the account identifier, a host-based purchase restriction associated with the account identifier by accessing a database storing a plurality of account identifiers in association with a plurality of host-based purchase restrictions;

in response to determining that the merchant system supports host-based purchase restrictions, transmitting, with the at least one processor of the issuer system in the electronic payment network, to the merchant system, an authorization response including a 0110 authorization response message in the ISO 8583 standard format associated with the transaction, wherein the authorization response includes a field including the sixteen character field including the host-based purchase restriction encoded as a string in the same chip-card format that the chip-based purchase restriction is stored on the chip-based payment device, wherein the string includes coding to replace any chip-based purchase restriction obtained from the chip-based payment device by the merchant system, and wherein the host-based purchase restriction is configured to cause the merchant system to override the chip-based purchase restriction with the host-based purchase restriction for processing the transaction and to authorize or deny, based on the host-based purchase restriction, the transaction in the electronic payment network, including automatically controlling, based on a type of fuel associated with the host-based purchase restriction, a fuel dispensing pump to one of enable and disable dispensing of the type of fuel associated with the host-based purchase restriction.

2 . The computer-implemented method of claim 1 , wherein the chip-based purchase restriction is associated with at least one type of product, wherein the host-based purchase restriction is associated with at least one other type of product, and wherein the at least one type of product is different than the at least one other type of product.

3 . The computer-implemented method of claim 1 , wherein the chip-based purchase restriction indicates that at least one type of product is one of a restricted type of product and an unrestricted type of product, and wherein the host-based purchase restriction indicates that the at least one type of product is the other one of the restricted type of product and the unrestricted type of product.

4 . A computer-implemented method, comprising:

reading, with at least one processor of a point-of-sale (POS) device of merchant system in an electronic payment network, from a chip-based payment device storing a chip-based purchase restriction in a chip-card format, the chip-based purchase restriction and an account identifier, wherein the chip card format includes a sixteen character field;

transmitting, with the at least one processor of the POS device, to an issuer system in the electronic payment network, an authorization request including a 0100 message in an ISO 8583 standard format associated with a transaction using the chip-based payment device at the merchant system, wherein the authorization request includes (i) the account identifier and (ii) a purchase restrictions flag including a single character field in the authorization request and having a value indicating whether the merchant system supports host-based purchase restrictions;

receiving, with the at least one processor of the POS device, from the issuer system, an authorization response including a 0110 message in the ISO 8583 standard format associated with the transaction, wherein the authorization response includes a field including the sixteen character field including the host-based purchase restriction encoded as a string in the same chip-card format that the chip-based purchase restriction is stored on the chip-based payment device, and wherein the string includes coding to replace any chip-based purchase restriction obtained from the chip-based payment device by the merchant system;

in response to receiving the authorization response including the host-based purchase restriction, overriding, with the at least one processor of the POS device, the chip-based purchase restriction with the host-based purchase restriction for processing the transaction by applying the coding in the string to replace the chip-based purchase restriction, including automatically controlling, based on a type of fuel associated with the host-based purchase restriction, a fuel dispensing pump to one of enable and disable dispensing of the type of fuel associated with the host-based purchase restriction; and

authorizing or denying, with the at least one processor of the POS device, based on the host-based purchase restriction, the transaction in the electronic payment network.

5 . The computer-implemented method of claim 4 , wherein the chip-based purchase restriction is associated with at least one type of product, wherein the host-based purchase restriction is associated with at least one other type of product, and wherein the at least one type of product is different than the at least one other type of product.

6 . The computer-implemented method of claim 4 , wherein the chip-based purchase restriction indicates that at least one type of product is one of a restricted type of product and an unrestricted type of product, and wherein the host-based purchase restriction indicates that the at least one type of product is the other one of the restricted type of product and the unrestricted type of product.

7 . A system, comprising:

at least one processor of an issuer system in an electronic payment network programmed and/or configured to:

receive, from a point-of-sale (POS) device of a merchant system in the electronic payment network, an authorization request including a 0100 message in an ISO 8583 standard format associated with a transaction at the merchant system using a chip-based payment device storing a chip-based purchase restriction in a chip-card format, wherein the chip-card format includes a sixteen character field, and wherein the authorization request includes (i) an account identifier and (ii) a purchase restrictions flag including a single character field in the authorization request and having a value indicating whether the merchant system supports host-based purchase restrictions;

determine, based on the purchase restrictions flag, that the merchant system supports host-based purchase restrictions;

determine, based on the account identifier, a host-based purchase restriction associated with the account identifier by accessing a database storing a plurality of account identifiers in association with a plurality of host-based purchase restrictions;

in response to determining that the merchant system supports host-based purchase restrictions, transmit, to the merchant system, an authorization response including a 0110 authorization response message in the ISO 8583 standard format associated with the transaction, wherein the authorization response includes a field including the sixteen character field including the host-based purchase restriction encoded as a string in the same chip-card format that the chip-based purchase restriction is stored on the chip-based payment device, wherein the string includes coding to replace any chip-based purchase restriction obtained from the chip-based payment device by the merchant system, and wherein the host-based purchase restriction is configured to cause the merchant system to override the chip-based purchase restriction with the host-based purchase restriction for processing the transaction and to authorize or deny, based on the host-based purchase restriction, the transaction in the electronic payment network, including automatically controlling, based on a type of fuel associated with the host-based purchase restriction, a fuel dispensing pump to one of enable and disable dispensing of the type of fuel associated with the host-based purchase restriction.

8 . The system of claim 7 , wherein the chip-based purchase restriction is associated with at least one type of product, wherein the host-based purchase restriction is associated with at least one other type of product, and wherein the at least one type of product is different than the at least one other type of product.

9 . The system of claim 7 , wherein the chip-based purchase restriction indicates that at least one type of product is one of a restricted type of product and an unrestricted type of product, and wherein the host-based purchase restriction indicates that the at least one type of product is the other one of the restricted type of product and the unrestricted type of product.

10 . A system, comprising:

at least one processor of a point-of-sale (POS) device of a merchant system in an electronic payment network programmed and/or configured to:

read, from a chip-based payment device storing a chip-based purchase restriction in a chip-card format, the chip-based purchase restriction and an account identifier, wherein the chip card format includes a sixteen character field;

transmit, to an issuer system in the electronic payment network, an authorization request including a 0100 message in an ISO 8583 standard format associated with a transaction using the chip-based payment device at the merchant system, wherein the authorization request includes (i) the account identifier and (ii) a purchase restrictions flag including a single character field in the authorization request and having a value indicating whether the merchant system supports host-based purchase restrictions;

receive, from the issuer system, an authorization response including a 0110 message in the ISO 8583 standard format associated with the transaction, wherein the authorization response includes a field including the sixteen character field including a host-based purchase restriction encoded as a string in the same chip-card format that the chip-based purchase restriction is stored on the chip-based payment device, and wherein the string includes coding to replace any chip-based purchase restriction obtained from the chip-based payment device by the merchant system;

override, the chip-based purchase restriction with the host-based purchase restriction for processing the transaction by applying the coding in the string to replace the chip-based purchase restriction, including automatically controlling, based on a type of fuel associated with the host-based purchase restriction, a fuel dispensing pump to one of enable and disable dispensing of the type of fuel associated with the host-based purchase restriction; and

authorize or deny, based on the host-based purchase restriction, the transaction in the electronic payment network.

11 . The system of claim 10 , wherein the chip-based purchase restriction is associated with at least one type of product, wherein the host-based purchase restriction is associated with at least one other type of product, and wherein the at least one type of product is different than the at least one other type of product.

12 . The system of claim 10 , wherein the chip-based purchase restriction indicates that at least one type of product is one of a restricted type of product and an unrestricted type of product, and wherein the host-based purchase restriction indicates that the at least one type of product is the other one of the restricted type of product and the unrestricted type of product.