Patent ID: 8972298
Filing Date: 2015-03-03
Classification: G06K,G06Q

Abstract:
1. A computer-implemented method to transmit category codes to payment instrument issuers in proxy card transactions, comprising: receiving, using one or more computing devices and from a merchant computing device associated with a merchant, a first payment request to authorize a proxy card transaction, the first payment request identifying a proxy account of a user for payment of the transaction and a merchant category code associated with the merchant; selecting, using the one or more computer devices, a financial account associated with the proxy account to fund the transaction; communicating, using the one or more computing devices, a second payment request to authorize the transaction to a financial account system associated with the selected financial account; communicating, using the one or more computing devices, the merchant category code to the financial account system in a separate communication from the second payment request; receiving, using the one or more computing devices, a first authorization for the transaction from the financial account system to fund the transaction using the selected financial account; and communicating, using the one or more computing devices, a second authorization for the transaction to the merchant computing device in response to receiving the first authorization for the transaction from the financial account system to fund the transaction using the selected financial account.