System and method including chip-based device processing for transaction

摘要

Present embodiments are directed to a server computer. The server computer establishes a first channel of communication to receive payment device data in a first format (e.g., chip type) and establishes a second channel to receive the payment device data in a second format (e.g., legacy type). The server computer receives an authorization request message in the second format from a merchant and generates a new authorization request message in the first format. The server computer then forwards the new authorization request to the issuer for approval.

主权项

1. A method comprising:
receiving, at a server computer, a first authorization request from a merchant through a communications channel, wherein the first authorization request message includes an identifier of a financial account associated with an issuer, and wherein the first authorization request message is in a first format; creating, by the server computer, a second authorization request message corresponding to the first authorization request message, wherein the second authorization request message is in a second format that is more secure than the first format, and wherein creating the second authorization request message comprises adding a data element to the first authorization request message; and forwarding, by the server computer, the second authorization request message to the issuer for approval.