Patent SG-11201903956P-A (SG)
Title: Systems and methods for expedited processing of authenticated computer messages
Inventor: GOLDENBERG PETER
IPC: G06Q20/38
Filed: 2017-10-09
Abstract: CLIENT SYSTEM (MERCHANT) / (12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (43) International Publication Date 17 May 2018 (17.05.2018) WIPO I PCT IiiimmoinionotioloolmointimoinovoimIE (10) International Publication Number WO 2018/089142 Al (51) International Patent Classification: G06Q 20/38 (2012.01) G06Q 20/40 (2012.01) (21) International Application Number: PCT/US2017/055710 (22) International Filing Date: 09 October 2017 (09.10.2017) (25) Filing Language: English (26) Publication Language: English (30) Priority Data: 15/349,540 11 November 2016 (11.11.2016) US (71) Applicant: MASTERCARD INTERNATIONAL IN- CORPORATED [US/US]; 2000 Purchase Street, Pur- chase, NY 10577 (US). (72) Inventors: GOLDENBERG, Peter; 304 Poinciana Dri- ve, Sunny Isles Beach, FL 33160 (US). GERBER, Johan; 2508 Peppermill Lake Court, Wildwood, MO 63005 (US). SMITH, Richard; 154 Rawreth Lane Rayleigh, Essex SS6 9RN (GB). (74) Agent: DOBBYN, Colm, J.; Mastercard International In- corporated, 2000 Purchase Street, Purchase, NJ 10577 (US). (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, (54) Title: SYSTEMS AND METHODS FOR EXPEDITED PROCESSING OF AUTHENTICATED COMPUTER MESSAGES r 106 DATABASE 102 1.0 4 DATABASE SERVER TRANSACTION MESSAGE PROCESSING SERVER 115 CLIENT SYSTEM (LSSUER) 108 - 1 115 100 115 r110 ECOMMERCE TERMINAL FIG. Al 11 71' 11 01 00 O 00 11 O C (57) : A transaction message processing server is configured to receive an authorization request message from a sender com- puting device, the authorization request message associated with a transaction. The server is also configured to detect a decision data element in an authentication outcome data field of the authorization request message, and interpret the decision data element as an indicator that the transaction is highly authenticated. The server is further configured to retrieve a reason code that identifies the trans- action as a highly authenticated transaction, and embed the reason code into the authorization request message to form an enhanced authorization request message. The server is still further configured to transmit the enhanced authorization request message including the reason code to an issuer computing device, wherein the enhanced authorization request message is configured to enable the issuer computing device to bypass at least one issuer authentication process. [Continued on next page] WO 2018/089142 Al MIDEDIMOMOIDEIREIDIONIMEIHOMEHINVOIMIE SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Published: — with international search report (Art. 21(3))