Patent ID: 7849014

Claim:
A computer-implemented method for facilitating an authorization of a purchase transaction, said method comprising: receiving a purchase request message, at a merchant computer system having a processor and non-transitory memory, for a purchase transaction, wherein said purchase request message includes a code as part of said purchase request message, and wherein said code is retrieved from a preexisting field of an electronic payment form from said merchant computer system, wherein said code is entered into a pre-existing card identifier (CID) field of said electronic payment form, and wherein said merchant computer system does not know a type of said code within said purchase request message; transmitting, from said merchant computer system, at least a portion of said purchase request message to an authorization system in a pre-existing data message comprising said code, wherein said authorization system authenticates said code; receiving, at said merchant computer system, a response from said authorization system in a pre-existing data message indicating that said code is a valid dynamically generated code comprising four digit batch code (4DBC) and confirms an allocation to an issuer of a fraud risk associated with said purchase transaction, wherein said response includes an authorization code related to said purchase transaction and indicative of said authorization being based on validation of said dynamically generated code; and completing, by said merchant computer system, said purchase transaction.