Patent ID: 8620806

Claim:
A method of intermediating cashless transactions from an acquirer involving a payment device issued by an issuer, the method comprising: receiving a transaction request from the acquirer on behalf of a merchant in a transaction clearing record, the transaction request including data identifying the merchant and the payment device; searching a first database including cleansed merchant data entries to determine if a merchant entry exists in the first database corresponding with the data identifying the merchant included in the transaction request; in response to determining that a match exists in the first database between a cleansed merchant data entry and the data identifying the merchant in the transaction request, determining whether the data identifying the merchant in the transaction request should be substituted with the matching cleansed merchant data entry; in response to determining that the data identifying the merchant should be substituted with the matching cleansed merchant data entry, performing the data substitution; forwarding the transaction request including the substituted cleansed merchant data to the issuer of the payment device and soliciting payment on the transaction request including the substituted cleansed merchant data.