Patent ID: 7962390

Claim:
A method of processing a financial transaction, the method comprising: receiving financial transaction data via a network interface coupled to a data communications network, the financial transaction data including field 55 data, the field 55 data comprising: amount authorized, unpredictable number, application transaction count (ATC), Issuer Application Data (IAD), application cryptogram, form factor identifier fields, and customer exclusive data, wherein the customer exclusive data comprises data associated with loyalty and coupons, or rewards, or alert preferences and contact information, or issuer discretionary data; determining an issuer associated with the financial transaction data via a processor encoded with a data relationship manager; querying a subscription database for subscription data associated with the issuer via the processor encoded with the data relationship manager, the subscription database being stored on a computer-readable medium, the subscription data indicating preferences of the issuer; querying a core database for processing parameters associated with the issuer via the processor encoded with the data relationship manager; applying the processing parameters to the financial transaction data and the subscription data via the processor encoded with the data relationship manager; updating a customer exclusive data association database with the financial transaction data once the processing parameters are applied.