Patent ID: 8317090
Filing Date: 2012-11-27
Classification: G06Q

Abstract:
1. A method for performing a financial transaction using an interchange computer coupled to a database, the interchange computer and database associated with an interchange network, the transaction initiated by a cardholder with a merchant having a merchant device, said method comprising: storing cardholder data within the database including transaction card data and associated address data for the cardholder, the cardholder data inputted on behalf of the cardholder for registering with an express checkout service provided by the interchange network; receiving, at the interchange computer, a payer authentication request message from the merchant device, the payer authentication request message associated with the cardholder and including data representing at least one of transaction card brands supported for payment by the merchant, a response time limit, and item purchase information, wherein the payer authentication request message does not include transaction card data associated with the cardholder; prompting the cardholder to enter access credential information; verifying the entered access credential information at the interchange computer; prompting, by the interchange computer, the cardholder to select a transaction card from one or more transaction cards associated with the cardholder based at least in part on the payer authentication request message and the entered access credential information; retrieving cardholder data from the database associated with the cardholder including transaction card data for the selected transaction card and associated address data; and transmitting a payer authentication response message from the interchange computer to the merchant device, the payer authentication response message including the retrieved transaction card data and associated address data, wherein the merchant device is configured to extract the transaction card data and the associated address data from the payer authentication response message for use in populating a merchant payment form to complete the transaction as part of the express checkout service.