Patent ID: 8682717

Claim:
A method of processing a financial transaction associated with a financial transaction data packet, the method comprising: receiving at a payment processor the financial transaction data packet from an acquirer, the financial transaction data packet including an amount associated with the financial transaction, a primary account number, and customer exclusive data, wherein the customer exclusive data includes issuer and user-specific information, wherein the customer exclusive data includes loyalty, rewards, contact or discretionary data; extracting via the payment processor a data field from the financial transaction data packet, the data field formatted in Tag-Length-Value format; parsing via the payment processor a data tag from the data field; extracting via the payment processor the customer exclusive data from the data tag; extracting via the payment processor the primary account number from the financial transaction data packet; querying via the payment processor a user database with the primary account number to determine whether there is a database customer exclusive data associated with the primary account number; comparing via the payment processor the customer exclusive data with the database customer exclusive data; substituting via the payment processor the customer exclusive data with the database customer exclusive data during the financial transaction when the customer exclusive data and the database customer exclusive data do not match, wherein substituting the customer exclusive data with the database customer exclusive data includes updating the customer exclusive data in the financial transaction data packet with the database customer exclusive data.