Patent ID: 9727862
Date: 2017-08-08
CPC Classifications: G06Q,G07C

Claim:
1. A method comprising: receiving from an access terminal, by one or more server computers in a payment processing network, an access request message comprising authentication data, the access request message having a format of a payment authorization request message for a payment transaction, the format being syntactically correct for the payment processing network, wherein said authentication data comprises a primary account number (PAN) and a first cryptogram, wherein the access request message is free of a transaction amount; analyzing, by the one or more server computers, the authentication data in the access request message; determining, by the one or more server computers, that the authentication data is associated with a user that wants access past a barrier coupled to the access terminal based at least in part on determining a bank identification number (BIN) extracted from the primary account number (PAN); in response to determining that the bank identification number (BIN) is associated with a third party aggregator and that the access request message is free of the transaction amount, preventing, by the one or more server computers in the payment processing network, routing of the access request message to an issuer computer; in response to determining, by the one or more server computers, that the first cryptogram included in the authentication data matches a locally generated second cryptogram, preparing, by the one or more server computers, an access response message based on the determination; and transmitting, by the one or more server computers, the access response message to the access terminal thereby automatically unlocking the barrier coupled to the access terminal, such that the user can move past the barrier.