Patent ID: 8924297
Filing Date: 2014-12-30
Classification: G06Q

Abstract:
1. A method comprising: concurrently receiving at a payment processing server computer: processing, by the payment processing server computer, the authorization request message, wherein processing the authorization request message includes: processing, by the payment processing server computer, the non-payment transaction data, wherein processing the non-payment transaction data includes providing at least one value added service to a communication device operated by the consumer in real time; transmitting, by the payment processing server computer, the authorization request message to the issuer computer, wherein the issuer computer generates an authorization response message; receiving, by the payment processing server computer, the authorization response message from the issuer computer; matching, by the payment processing server computer, the authorization response message with the authorization request message based on the transaction identifier; and transmitting, by the payment processing server computer, the authorization response message over the first high-capacity communication channel directly to the merchant access device from which the authorization request message was received without passing through its associated acquirer computer.