Systems and methods for secure and transparent cardless transactions

Abstract

Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment information. Transaction identifiers can be used to facilitate communications among the entities. The payment information can be sent to the non-merchant via a merchant application with a submit payment button directed to the non-merchant so little or no deviations from standard practices are required.

1 .- 19 . (canceled) 
     
     
         20 . A method of conducting a transaction, the method comprising:
 receiving, by a server computer and from an access device, a payment identifier, wherein the access device interacts with a merchant server;   creating, by the server computer, an artificial PAN;   transmitting, by the server computer, the artificial PAN to the merchant server;   receiving an authorization request message from the merchant server comprising the artificial PAN;   determining an account identifier from the artificial PAN;   forwarding the authorization request message comprising the account identifier to an issuer of the account identifier;   receiving an authorization response message from the issuer; and   forwarding the authorization response message to the merchant server.   
     
     
         21 . The method of  claim 20 , wherein a portion of the account identifier is a Bank Identification Number (BIN) that is associated with the issuer. 
     
     
         22 . The method of  claim 20 , wherein the server computer is part of a payment processing network. 
     
     
         23 . The method of  claim 20 , wherein the access device is used by a consumer, and the access device is in a retail store associated with a merchant. 
     
     
         24 . The method of  claim 20 , wherein the artificial PAN has the same number of characters as the account identifier, wherein the account identifier is an actual PAN. 
     
     
         25 . The method of  claim 20  further comprising:
 initiating, by the server computer, a challenge process with respect to a consumer associated with the account identifier. 
 
     
     
         26 . The method of  claim 20 , wherein the artificial PAN is valid for a limited time. 
     
     
         27 . The method of  claim 20 , wherein the artificial PAN has a prefix that signifies that the artificial PAN is not a real account number. 
     
     
         28 . The method of  claim 20 , further comprising:
 transmitting, by the merchant server to the access device, a receipt for the transaction.   
     
     
         29 . The method of  claim 20  wherein the account identifier is associated with a credit card. 
     
     
         30 . A system for conducting a transaction, the system comprising:
 a server comprising one or more processors and one or more memory devices containing instructions for directing the one or more processors to:   receive, from an access device, a payment identifier, wherein the access device interacts with a merchant server;   create an artificial PAN;   transmit the artificial PAN to the merchant server;   receive an authorization request message from the merchant server comprising the artificial PAN;   determine an account identifier from the artificial PAN;   forward the authorization request message comprising the account identifier to an issuer of the account identifier;   receive an authorization response message from the issuer; and   forward the authorization response message to the merchant server.   
     
     
         31 . The system of  claim 30 , wherein a portion of the account identifier is a Bank Identification Number (BIN) that is associated with the issuer. 
     
     
         32 . The system of  claim 30 , wherein the server is part of a payment processing network. 
     
     
         33 . The system of  claim 30 , further comprising the access device, wherein the access device is in a retail store associated with a merchant. 
     
     
         34 . The system of  claim 30 , wherein the artificial PAN has the same number of characters as the account identifier, wherein the account identifier is an actual PAN. 
     
     
         35 . The system of  claim 30 , wherein the instructions are further for directing the one or more processors to:
 initiate a challenge process with respect to a consumer associated with the account identifier.   
     
     
         36 . The system of  claim 30 , wherein the artificial PAN is valid for a limited time. 
     
     
         37 . The system of  claim 30 , wherein the artificial PAN has a prefix that signifies that the artificial PAN is not a real account number. 
     
     
         38 . The system of  claim 30 , wherein the instructions are further for directing the one or more processors to:
 transmit, by the merchant server to the access device, a receipt for the transaction.   
     
     
         39 . The system of  claim 30 , wherein the account identifier is associated with a credit card.