Mastercard Incorporated
System and method for processing a transaction using account information on file

Abstract:

Provided are a system and method for identifying a transaction as a card on file payment transaction. The method may include receiving an authorization request message for a transaction from a merchant computing device, detecting payment account information and an identifier which are included in the authorization request message, where the identifier identifies the payment account information as being from a payment account on file, and authorizing the transaction based on the detected payment account information and the detected identifier.