Transaction processing using a global unique identifier

摘要

A Globally Unique IDentifier (GUID) is used to match an authorization request with an authorization response for a transaction between a merchant and a consumer upon an account within a payment processing system where the payment amount is unknown until after the merchant receives the authorization response that includes the GUID. After receiving the authorization response and when the payment amount is known, the merchant forms a transmission that has information for delivery to an issuer of the account. This information is sufficient for the issuer to forward the payment amount from the account to pay the merchant for the transaction. While including the GUID and the payment amount, the information does not include an identifier of the account.

主权项

1. A method comprising:
obtaining, by an acceptance point device associated with a merchant, account information, including an account identifier, from a consumer to conduct a transaction with the merchant; sending, by the acceptance point device associated with the merchant, an authorization request having a code for the transaction that is unique among a plurality of transactions of the merchant in a plurality of merchants, an amount of funds to be authorized for the transaction, and the account identifier; receiving, by the acceptance point device associated with the merchant, an authorization response message that does not include the account identifier but that includes a Globally Unique Identifier (GUID) associated with the transaction of the merchant wherein the GUID is unique among a plurality of transactions of a plurality of merchants, the code for the transaction, and an indication of whether the transaction was approved; associating the GUID in the authorization response message with the transaction; storing the GUID associated with the transaction instead of the account identifier, the code for the transaction, and information associated with the transaction, for use in subsequent processing of the transaction; initiating a request for clearing and settlement that includes the GUID for the transaction but not the account identifier, wherein the GUID is used to effect the clearing and settlement of the transaction; receiving a payment associated with the GUID; and matching the payment associated with the GUID with the stored GUID to balance accounting of the transaction.