Patent ID: 8924297

Claim:
A method comprising: concurrently receiving at a payment processing server computer: a first communication from a merchant access device over a first high-capacity communication channel adapted to directly communicate with the payment processing server computer without passing through an acquirer computer associated with the merchant access device, the first communication comprising an authorization request message for a payment transaction with a consumer that includes a transaction identifier; a second communication from the merchant access device for the same payment transaction over a second communication channel, the second communication comprising non-payment transaction data, processing, by the payment processing server computer, the authorization request message, wherein processing the authorization request message includes: correlating the non-payment transaction data with the authorization request message based on the transaction identifier; and converting the authorization request message into a first format compatible with an issuer computer, and 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.