Abstract: Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request represents a transaction to a payment account and includes a transaction amount and an accountholder authentication value (AAV) indicative of a prior authentication associated with the transaction. The computing device is configured to determine whether the authorization request, the transaction amount and/or an interval associated with the authorization request satisfies a parameter.

Abstract: Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request includes a primary account number (PAN) for a payment account and a transaction amount. The computing device is also configured to determine whether the authorization request includes an accountholder authentication value (AAV) and/or a transaction identifier (ID). In response to the authorization request including the AAV and the transaction ID, the computing device is configured to determine whether the AAV and the transaction ID are included in a data structure and, in response to them being included in the data structure, append a tag to the authorization request indicative of association of the authorization request to an authentication in the data structure associated with the AAV and the transaction ID.

Abstract: Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request includes a primary account number (PAN) for a payment account and a transaction amount. The computing device is also configured to determine whether the authorization request includes an accountholder authentication value (AAV) and/or a transaction identifier (ID). In response to the authorization request including the AAV and the transaction ID, the computing device is configured to determine whether the AAV and the transaction ID are included in a data structure and, in response to them being included in the data structure, append a tag to the authorization request indicative of association of the authorization request to an authentication in the data structure associated with the AAV and the transaction ID.

Abstract: Systems and methods for interchange rate processing are provided. An interchange rate processing computing device is configured to receive transaction messages from one or more acquiring banks. Each transaction message may contain transaction data corresponding to a payment card transaction. The interchange rate processing computing device may analyze the transaction data to identify one or more one or more transaction characteristics. Based on the transaction characteristics, the interchange rate processing computing device may identify a lowest valid interchange rate for the payment card transaction and determine a corresponding interchange rate designator. The interchange rate processing computing device may then generate an enhanced transaction message including the transaction data and the interchange rate designator and transmit the enhanced transaction message to a payment processor, issuing bank, or other entity in a payment processing network.

Abstract: Systems and methods for interchange rate processing are provided. An interchange rate processing computing device is configured to receive transaction messages from one or more acquiring banks. Each transaction message may contain transaction data corresponding to a payment card transaction. The interchange rate processing computing device may analyze the transaction data to identify one or more one or more transaction characteristics. Based on the transaction characteristics, the interchange rate processing computing device may identify a lowest valid interchange rate for the payment card transaction and determine a corresponding interchange rate designator. The interchange rate processing computing device may then generate an enhanced transaction message including the transaction data and the interchange rate designator and transmit the enhanced transaction message to a payment processor, issuing bank, or other entity in a payment processing network.