Patent ID: 7379919
Filing Date: 2008-05-27
Classification: G06Q,G07F

Abstract:
1. A method of conducting a transaction using a payment account for payment over a payment network, the method comprising: (a) receiving by a service provider other than an issuer of the payment account a first authorization request for the authorization of the transaction using a first payment account number, wherein: (b) responsive to the first authorization request, transmitting by the service provider a second authorization request for authorization of the transaction using the second payment account number, the second authorization request including a second acquirer code associated with the service provider and being routable through the payment network to the issuer based on said issuer identification number; (c) receiving from the issuer a response to the second authorization request transmitted by the service provider, the response including the second acquirer code and being routable through the payment network based on that code; and (d) transmitting from the service-provider to the acquirer a response to the first authorization request received by the service provider based on the response to the second authorization request received by the service-provider from the issuer, the response to the first authorization request including the first acquirer code and being routable through the payment network based on that code.