MERCHANT DATA CLEANSING IN CLEARING RECORD BASED ON TARGETED MERCHANTS

摘要

A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service are provided with the cleansed, and optionally augmented, merchant information. Before providing the cleansed and/or augmented merchant information, a determination is made of whether a “do not recognize” call is likely, based upon a determination by a computing device of whether or not the merchant is on a “watch-list” of merchants. The “watch-list” is previously generated based upon one or several factors, including whether or not a minimum number or percentage of previous transactions have resulted in charge-backs, whether DNR transactions associated with the merchant were previously reported, or if an acquirer, issuer, or third-party payment provider recommends the merchant for inclusion.

主权项

1. A method of utilizing a computing device to intermediate 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; performing a merchant check by comparing the data identifying the merchant included in the transaction request with a list of merchants on a watch-list; in response to determining that the merchant included in the transaction request is included in the watch-list, searching a first database to determine if a merchant entry exists in the first database corresponding with the data identifying the merchant included in the transaction request, the first database including cleansed merchant data entries; 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; and forwarding the transaction request including the substituted cleansed merchant data entry to the issuer of the payment device.