Patent ID: 8244643

Claim:
A method for processing financial transaction data in a computing system including a processor and an associated storage area, the method comprising: receiving from a requester an initial authorization request generated as a result of a transaction at a point of purchase, wherein the initial authorization request includes identifying information and details of an associated purchase transaction, wherein the identifying information includes a purchaser identifier; determining that the initial authorization request is associated with an intermediary service based on the identifying information; providing at least a part of the initial authorization request to the intermediary service; receiving a message including account information associated with an issuing institution from the intermediary service in response to the at least a part of the initial authorization request, the message including a first part encrypted according to a first encryption method and a second part encrypted according to a second encryption method, the first encryption method and the second encryption method selected such that the intermediary service is capable of decrypting the first part and is not capable of decrypting the second part; generating a modified authorization request based on the initial authorization request and the received account information by adding the received account information to the initial authorization request; and transmitting the modified authorization request to the issuing institution to request approval of the transaction.