Method and system for detecting incorrect merchant code used...

Details Method and system for detecting incorrect merchant code used... Method and system for detecting incorrect merchant code used...

H - Electricity

04

L

H04L 12/16 (2006.01) G06Q 20/00 (2006.01) G07F 7/10 (2006.01) H04L 9/32 (2006.01)

Patent

CA 2443106

There is provided a system and method for detecting incorrect merchant classification codes ("MCC's"), which includes creating a database of merchants and corresponding MCC's and establishing one or more payment card accounts. According to the method, a transaction with one of the payment card accounts is attempted with a merchant in the database. Next, the MCC transmitted in a transaction message (such as an authorization message) from the merchant is compared with the corresponding MCC for the merchant stored in the database. If the MCC's do not match, the MCC provided by the merchant is deemed incorrect and appropriate action may be taken (such as notifying the acquirer to follow up with the merchant).

Cette invention concerne un système et un procédé permettant de détecter des codes erronés de classification de commerçants ("MCC"). ce procédé consiste à créer une base de données de commerçants et de MCC correspondants et é établir un ou plusieurs comptes pour cartes de paiement. Selon ce procédé, une transaction reposant sur l'emploi de l'un des comptes pour cartes de paiement est lancée dans le cas d'un commerçant qui figure dans la base de données. Le MCC communiqué dans un message de transaction (tel qu'un message d'autorisation) par le commerçant est comparé au MCC stocké dans la base de données et correspondant audit commerçant. Si les MCC ne correspondante pas, le MCC fourni par le marchant est considéré comme incorrect et des mesures appropriées peuvent être prises (par exemple en invitant l'acheteur à se retourner contre le commerçant).

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