Patent ID: 11868920
Assignee: CARDINALCOMMERCE CORPORATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 12:
13. The method according to claim 11, wherein completing processing of the transaction comprises:
providing a webpage of the UMP to the consumer after initiating the transaction;
receiving payment data for the consumer via the webpage, the payment data identifying a PIN debit card of the consumer that is involved in the transaction;
receiving authentication data for the PIN debit card from the digital processing device associated with the consumer;
transmitting an alias account number of a real account number to the merchant, the alias account number unique to the transaction relative to other transactions;
receiving a credit authorization message including the alias account number from the merchant, wherein the credit authorization message is a message requesting authorization to capture funds from the alias account number;
translating the credit authorization message to a debit authorization message using the authentication data for the PIN debit card, wherein the debit authorization message is a message requesting authorization to capture funds from the real account number;
transmitting the debit authorization message to a debit acquiring platform;
receiving a debit authorization response message from the debit acquiring platform;
translating the debit authorization response message to a credit authorization response message; and
transmitting the credit authorization response message to the merchant.