System and method including chip-based device processing for transaction
Present embodiments are directed to a server computer. The server computer establishes a first channel of communication to receive payment device data in a first format (e.g., chip type) and establishes a second channel to receive the payment device data in a second format (e.g., legacy type). The server computer receives an authorization request message in the second format from a merchant and generates a new authorization request message in the first format. The server computer then forwards the new authorization request to the issuer for approval.
1. A server computer comprising:
a processor; and
a computer readable medium coupled to the processor, wherein the computer readable medium includes code executable by the processor for implementing a method comprising:
receiving a first authorization request message from a merchant through a communications channel, wherein the first authorization request message includes an identifier of a financial account associated with an issuer, and wherein the first authorization request message is in a first format;
creating a second authorization request message corresponding to the first authorization request message, wherein the second authorization request message is in a chip type format; and
forwarding the second authorization request message to the issuer for approval.
2. The server computer of claim 1 , wherein the communications channel is a second communications channel, and wherein the method further comprises:
receiving account information through a first communications channel between the server computer and a client computer, wherein a verification token associated with the client computer previously interacted with a portable device;
generating a verification value associated with the received account information; and
forwarding the verification value to the client computer through the first communications channel.
3. The server computer of claim 2 , wherein the first authorization request message is in a magnetic stripe data format.
4. The server computer of claim 3 , wherein the magnetic stripe data format is an ISO 8583 format.
5. The server computer of claim 2 , wherein the portable device is a payment card.
6. The server computer of claim 2 , wherein the verification token comprises a USB device.
7. The server computer of claim 6 , wherein the USB device comprises a unique serial number and keyboard buffer capabilities.
8. The server computer of claim 1 , wherein the second authorization request message comprises a cryptogram and a variable data element.
9. The server computer of claim 8 , wherein the variable data element comprises a counter value, and wherein the second authorization request message further comprises an account number, an expiration date, and a service code.
10. A server computer comprising:
a processor; and
a computer readable medium coupled to the processor, wherein the computer readable medium includes code executable by the processor for implementing a method comprising:
receiving account information through a first communications channel between the server computer and a client computer, wherein a verification token associated with the client computer previously interacted with a portable device, and wherein the portable device is associated with an issuer;
generating a verification value associated with the received account information;
forwarding the verification value to the client computer through the first communications channel;
receiving a first authorization request message from a merchant through a second communications channel, wherein the first authorization request message is in a first format, and wherein the first authorization request message includes the verification value;
creating a second authorization request message corresponding to the first authorization request message, wherein the second authorization request message is in a chip type format; and
forwarding the second authorization request message to the issuer for approval.
11. A method comprising:
receiving a first authorization request message from a merchant through a communications channel, wherein the first authorization request message includes an identifier of a financial account associated with an issuer, and wherein the first authorization request message is in a first format;
creating, by a server computer, a second authorization request message corresponding to the first authorization request message, wherein the second authorization request message is in a chip type format; and
forwarding the second authorization request message to the issuer for approval.
12. The method of claim 11 , wherein the communications channel is a second communications channel, and wherein the method further comprises:
receiving account information through a first communications channel between the server computer and a client computer, wherein a verification token associated with the client computer previously interacted with a portable device;
generating a verification value associated with the received account information; and
forwarding the verification value to the client computer through the first communications channel.
13. The method of claim 12 , wherein the portable device is associated with the issuer, and wherein the first authorization request message includes the verification value.
14. The method of claim 12 , wherein the verification value is a dynamic card verification value.
15. The method of claim 11 , further comprising: sending an authorization response message from the issuer to the merchant through the second communications channel.
16. A method comprising:
receiving account information from a portable device, wherein the portable device comprises a chip storing the account information;
establishing a secure communications channel with a remote server computer; and
forwarding the account information associated with an account to the server computer, wherein the server computer thereafter receives a first authorization request message from a merchant for a transaction, and then sends a second authorization request message for the transaction in a chip type data format to an issuer, wherein the first authorization request message is in a format different than the chip type data format.
17. The method of claim 16 , wherein the account information comprises a counter value.
18. The method of claim 16 wherein the first authorization request message is in a magnetic stripe data format.
19. The method of claim 16 wherein the account information is received at a client computer using a verification token.
20. The method of claim 19 wherein the verification token is embedded in the client computer.
21. A client computer comprising:
a processor, and a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor, for implementing a method comprising:
receiving account information from a portable device, wherein the portable device comprises a chip storing the account information;
establishing a secure communications channel with a remote server computer; and
forwarding the account information associated with an account to the server computer, wherein the server computer thereafter receives a first authorization request message from a merchant for a transaction, and then sends a second authorization request message for the transaction in a chip type data format to an issuer, wherein the first authorization request message is in a format different than the chip type data format.
22. The client computer of claim 21 , wherein the account information comprises a counter value.
23. The client computer of claim 21 wherein the first authorization request message is in a magnetic stripe data format.
24. The client computer of claim 21 wherein the account information is received at the client computer using a verification token.
25. The client computer of claim 24 wherein the verification token is embedded in the client computer.