METHOD OF PROCESSING PAYMENT TRANSACTIONS

摘要

A method of processing a transaction associated with a transaction instrument includes providing a server, receiving an update message at the server which includes data to assign a transaction use case associated with the transaction instrument, the server identifying a device user, a device or both and the associated transaction instrument, the server updating the stored transaction use case state associated with the transaction instrument, receiving a transaction request against the transaction instrument from a transaction requestor, the server classifying the transaction use case to determine a classified transaction use case associated with respect to the transaction instrument, the server determining whether the stored state of the classified transaction use case is an allowed or disallowed state, and transmitting a message to the transaction management system containing data confirming the state of the classified transaction use case, providing a general response of allowed or disallowed, or both.

主权项

1. A method of processing a transaction associated with a transaction instrument, comprising:
providing a server with an associated processor and associated storage, a transaction use case interface configured to allow communication between the server and a device associated to a transaction instrument with at least one associated transaction use case, a transaction request interface configured to allow communication between the server and a transaction requestor via a transaction use case, and communication means between the server and a transaction management system, and storing on the server a channel state for each transaction use case associated with the transaction instrument, receiving, at the server via the transaction use case interface, an update message from the device, the update message including data configured to be interpreted by the server to assign a transaction use case associated with the transaction instrument with either an allowed or a disallowed state, the server identifying, with or without authentication, either the device user or the device or both and the associated transaction instrument, the server updating the stored transaction use case state associated with the transaction instrument on the server, receiving, at the server via the transaction request interface, a transaction request against the transaction instrument from a transaction requestor, the server classifying the transaction use case used in the transaction request to determine a classified transaction use case associated with respect to the transaction instrument, by evaluating the fields in the transaction request, the server retrieving the stored state of the classified transaction use case, the server determining whether the stored state of the classified transaction use case is in the allowed or disallowed state, and the server transmitting a message to the transaction management system containing data confirming either the state of the classified transaction use case or providing a general response of allowed or disallowed or both.