Direct connection systems and methods
Embodiments of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.
1. A method comprising:
receiving, by a payment processing server computer, a first communication from a merchant access device over a first communication channel adapted to communicate with the payment processing server computer without passing through an acquirer computer associated with the merchant access device, the first communication including an authorization request message for a payment transaction with a consumer that includes a transaction identifier; and
receiving, by the payment processing server computer, a second communication from the merchant access device for the same payment transaction over a second communication channel, the second communication comprising non-payment transaction data and the transaction identifier;
processing, by the payment processing server computer, the authorization request message, wherein processing the authorization request message includes:
correlating, by the payment processing server computer, the non-payment transaction data received in the second communication with the authorization request message based on the transaction identifier,
determining, by the payment processing server computer, a discount for the payment transaction based on product data contained in the non-payment transaction data,
applying, by the payment processing server computer, the discount to the payment transaction by:
modifying, by the payment processing server computer, a transaction amount contained in the authorization request message by a discount amount associated with the discount prior to transmitting the authorization request message to a computer that is capable of approving the payment transaction, and
transmitting, by the payment processing server computer, the authorization request message containing the modified transaction amount to the computer; and
processing, by the payment processing server computer, the non-payment transaction data.
2. The method of claim 1 , wherein processing the authorization request message further comprises:
transmitting, by the payment processing server computer, the authorization request message to the computer.
3. The method of claim 1 , wherein processing the non-payment transaction data includes providing, by the payment processing server computer, at least one value added service to a communication device operated by the consumer.
4. The method of claim 3 , wherein the at least one value added service is provided to the communication device operated by the consumer in real-time.
5. The method of claim 3 , wherein providing the at least one value added service comprises:
generating, by the payment processing server computer, a coupon; and
transmitting, by the payment processing server computer, the coupon to the communication device operated by the consumer.
6. The method of claim 3 , wherein providing the at least one value added service comprises:
determining, by the payment processing server computer, a discount for the payment transaction based on product data contained in the non-payment transaction data; and
applying, by the payment processing server computer, the discount to the payment transaction.
7. The method of claim 6 , wherein applying the discount to the payment transaction comprises:
modifying, by the payment processing server computer, a transaction amount contained in the authorization request message by a discount amount associated with the discount prior to transmitting the authorization request message to the computer.
8. The method of claim 1 , further comprising:
analyzing, by the payment processing server computer, the transaction data in the authorization request message and the non-payment transaction data; and
determining, by the payment processing server computer, a risk level associated with the payment transaction based on the analysis of the transaction data and the non-payment transaction data.
9. The method of claim 1 , wherein processing the authorization request message further comprises:
parsing, by the payment processing server computer, the authorization request message to determine whether to route the authorization request message to the computer or to a payment gateway computer.
10. The method of claim 1 , further comprising:
converting, by the payment processing server computer, the first communication from a first file format to a second file format used by the computer that is capable of approving the payment transaction; and
transmitting, by the payment processing server computer, the converted first communication to the computer that is capable of approving the payment transaction.
11. A payment processing server computer comprising:
a processor; and
a non-transitory computer-readable storage medium, comprising code executable by the processor, wherein the processor upon execution of the code is configured to:
receiving a first communication from a merchant access device over a first communication channel adapted to communicate with the payment processing server computer without passing through an acquirer computer associated with the merchant access device, the first communication including an authorization request message for a payment transaction with a consumer that includes a transaction identifier; and
receiving a second communication from the merchant access device for the same payment transaction over a second communication channel, the second communication comprising non-payment transaction data and the transaction identifier;
processing the authorization request message, wherein processing the authorization request message includes:
correlating the non-payment transaction data in the second communication with the authorization request message based on the transaction identifier,
determining a discount for the payment transaction based on product data contained in the non-payment transaction data; and
applying the discount to the payment transaction by:
modifying a transaction amount contained in the authorization request message by a discount amount associated with the discount prior to transmitting the authorization request message to the computer, and
transmitting the authorization request message containing the modified transaction amount to the computer; and processing the non-payment transaction data.
12. The payment processing server computer of claim 11 , wherein processing the authorization request message further comprises:
transmitting the authorization request message to the computer.
13. The payment processing server computer of claim 11 , wherein processing the non-payment transaction data includes providing at least one value added service to a communication device operated by the consumer.
14. The payment processing server computer of claim 13 , wherein the at least one value added service is provided to the communication device operated by the consumer in real-time.
15. The server computer of claim 13 , wherein providing the at least one value added service comprises:
generating a coupon; and
transmitting the coupon to the communication device operated by the consumer.
16. The payment processing server computer of claim 13 , wherein providing the at least one value added service comprises:
determining a discount for the payment transaction based on product data contained in the non-payment transaction data; and
applying the discount to the payment transaction.
17. The payment processing server computer of claim 16 , wherein applying the discount to the payment transaction comprises:
modifying a transaction amount contained in the authorization request message by a discount amount associated with the discount prior to transmitting the authorization request message to the computer.
18. The payment processing server computer of claim 11 , further comprising:
analyzing the transaction data in the authorization request message and the non-payment transaction data; and
determining a risk level associated with the payment transaction.
19. The server computer of claim 11 , wherein processing the authorization request message further comprises:
parsing the authorization request message to determine whether to route the authorization request message to the computer or to a payment gateway computer.
20. The payment processing server computer of claim 11 , further comprising:
converting, by the payment processing server computer, the first communication from a first file format to a second file format used by the computer that is capable of approving the payment transaction; and
transmitting, by the payment processing server computer, the converted first communication to the computer that is capable of approving the payment transaction.