Patent ID: 8636203
Filing Date: 2014-01-28
Classification: G06Q

Abstract:
1. A method comprising: sending, by an electronic terminal, an initial authorization request message to an issuer over a payment processing network, the initial authorization request message comprising a request for authorization of a high purchase amount associated with a purchase transaction using a portable consumer device associated with a first payment source and issued by the issuer, wherein the high purchase amount is determined independent of an amount of a product to be dispensed associated with the purchase transaction, wherein the issuer determines an available balance associated with the first payment source and determines a portion of the high purchase amount that is (i) less than the high purchase amount and (ii) equal to the available balance; receiving, by the electronic terminal in response to the initial authorization request message as part of the purchase transaction, an authorization response message from the issuer over the payment processing network, the authorization response message comprising an authorization for only the portion of the high purchase amount, wherein the authorization response message has a form in accordance with a legacy financial transaction protocol standard at least formerly supported by a plurality of issuers, and wherein the authorization response message participates in an adapted financial transaction protocol that remains in accordance with the legacy financial transaction protocol standard while being adapted such that the authorization response message is sent instead of a different type of authorization response message that declines the purchase transaction when the high purchase amount is greater than the available balance and without modifying the available balance associated with the first payment source; dispensing, as part of the purchase transaction, an amount of the product associated with an actual purchase amount no greater than the portion of the high purchase amount authorized by the authorization response message, the actual purchase amount being based on the amount of the product actually dispensed; and sending, by the electronic terminal as part of the purchase transaction, a subsequent authorization request message to the issuer over the payment processing network, the subsequent authorization request message comprising a request for authorization of the whole actual purchase amount of the dispensed product associated with the purchase transaction using the portable consumer device associated with the first payment source and issued by the issuer.