Patent ID: 8261977
Filing Date: 2012-09-11
Classification: G06Q

Abstract:
1. A method for communicating financial transaction data between a plurality of computer devices using an interface module and an enhanced protocol, the financial transaction initiated by a cardholder at an input terminal using a transaction card for completing a purchase from a merchant, said method comprising: receiving, at the interface module, initial identification (ID) data directly from a computer associated with the merchant, the interface module being a computer module separate from the merchant computer, the interface module being further configured for direct communication with the merchant computer and the cardholder input terminal; generating a first verification enrollment request (VEReq) message at the interface module based on the initial ID data, the first VEReq message including at least one of a merchant identifier and an account number; transmitting the first VEReq message to an interchange network computer system; receiving a verification enrollment response (VERes) message from the interchange network computer system, the VERes message affirmatively verifying enrollment of the merchant in an express check out program; and generating, at the interface module, a payer authentication request (PAReq) message using the enhanced protocol, the enhanced protocol defining a first set of data field extensions associated with the PAReq message.