US 12,169,840 B2
Refunding real-time payment transaction via payment card network messaging and settlement
Irina Singh, White Plains, NY (US); Sandeep Malhotra, Greenwich, CT (US); and Suman Rausaria, Ballwin, MO (US)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed on Jun. 21, 2022, as Appl. No. 17/844,979.
Application 17/844,979 is a continuation of application No. 16/440,055, filed on Jun. 13, 2019, granted, now 11,386,432.
Prior Publication US 2022/0327540 A1, Oct. 13, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/10 (2012.01); G06Q 20/26 (2012.01); G06Q 20/34 (2012.01)
CPC G06Q 20/407 (2013.01) [G06Q 20/10 (2013.01); G06Q 20/26 (2013.01); G06Q 20/34 (2013.01)] 16 Claims
OG exemplary drawing
 
1. A method for providing a refund amount to a customer account for a payment transaction that occurred using a real-time payment network comprising:
receiving, by a supplemental payment services computer from a payment network, a refund request for a refund amount concerning a payment transaction between a merchant and a customer, wherein the refund request comprises a transaction reference and a token;
determining, by the supplemental payment services computer based on the transaction reference, that the payment transaction was effected in a real-time payment network;
determining, by the supplemental payment services computer, an issuer financial institution (FI) computer of an issuer FI maintaining a customer account represented by the token;
transmitting, by the supplemental payment services computer to the issuer FI computer, the refund request;
receiving, by the supplemental payment services computer from the issuer FI computer, a favorable authorization response to the refund request;
transmitting, by the supplemental payment services computer via the payment network to an acquirer FI computer associated with the merchant, the authorization response;
transmitting, by the supplemental payment services computer to the issuer FI computer, a payment card network funds transfer credit message directing the issuer FI to credit the refund amount to the customer account;
transmitting, by the supplemental payment services computer to the acquirer FI computer, a payment card network funds transfer debit message directing the acquirer FI to debit the refund amount from an account of the merchant; and
settling the refund amount from the acquirer FI computer to the issuer FI computer via a payment card account network settlement system computer.