Payment account identifier system

• US 10,062,079 B2
• Filed: 11/16/2017
• Issued: 08/28/2018
• Est. Priority Date: 01/14/2014
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Kumnick, Phillip, Ovick, Joseph Bjorn, Srivastava, Chandra
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US15/814,994
• Publication Number:
  US 20180075455A1
• Time in Patent Office: 285 Days
• Field of Search: 235379, 235375, 235487, 235382, 235380, 705 67, 705 71, 705 44
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing

Abstract

A method for utilizing a non-transactable account identifier with a payment token is disclosed. The non-transactable account identifier can have the same format as a primary account number (PAN) and the payment token, but is not used to conduct a payment transaction.

Claims

1. A method comprising:

providing, by a token requestor device to a token service computer, a token request comprising a primary account identifier, the token service computer thereafter determines a transactable payment token and a non-transactable payment account identifier associated with the primary account identifier, and generates a token response message including the transactable payment token and the non-transactable payment account identifier;

receiving, by the token requestor device from the token service computer, the token response message comprising the transactable payment token and the non-transactable payment account identifier; and

providing, by the token requestor device, the transactable payment token and the non-transactable payment account identifier to an access device to conduct a transaction,

wherein the access device generates an authorization request message including a first data field including the transactable payment token and a second data field including the non-transactable payment account identifier after receiving the transactable payment token and the non-transactable payment account identifier, and forwards the authorization request message to a processing network.

2. The method of claim 1, wherein the non-transactable payment account identifier is formatted as a primary account number.

3. The method of claim 1, wherein the non-transactable payment account identifier is used to identify an accountholder of account information, and wherein the transactable payment token is used by the access device to process a payment for the transaction instead of the primary account identifier, and the non-transactable payment account identifier is used as a reference for the primary account identifier to perform an operation that is not a payment transaction.

4. The method of claim 3 wherein the operation is a fraud analysis, a rewards process or a loyalty process.

5. The method of claim 1, wherein the non-transactable payment account identifier is static over time and over any number of transactions.

6. The method of claim 1, wherein the token requestor device is a mobile phone.

7. The method of claim 1, wherein the token request includes a token requestor ID that identifies the token requestor device.

8. The method of claim 1, wherein the token response message includes information regarding a time period in which the token is valid.

9. The method of claim 1, wherein providing the transactable payment token and the non-transactable payment account identifier to the access device includes providing the transactable payment token and the non-transactable payment account identifier to the access device through a wireless communication mechanism.

10. The method of claim 1, wherein the authorization request message is forwarded to the processing network via an acquirer.

11. The method of claim 1, wherein the non-transactable payment account identifier is generated from an account number that is associated with the transactable payment token.

12. The method of claim 1, wherein the transactable payment token and the non-transactable payment account identifier are both sixteen digits long.

13. A token requestor device comprising:

a processor; and

a computer readable medium coupled to the processor, the computer readable medium comprising code executable by the processor to cause the token requestor device to;

provide, to a token service computer, a token request comprising a primary account identifier, the token service computer thereafter determines a transactable payment token and a non-transactable payment account identifier associated with the primary account identifier, and generates a token response message including the transactable payment token and the non-transactable payment account identifier;

receive, from the token service computer, the token response message comprising the transactable payment token and the non-transactable payment account identifier; and

provide the transactable payment token and the non-transactable payment account identifier to an access device to conduct a transaction,

wherein the access device generates an authorization request message including a first data field including the transactable payment token and a second data field including the non-transactable payment account identifier after receiving the transactable payment token and the non-transactable payment account identifier, and forwards the authorization request message to a processing network.

14. The token requestor device of claim 13, wherein the non-transactable payment account identifier is formatted as a primary account number.

15. The token requestor device of claim 13, wherein the non-transactable payment account identifier is used to identify an accountholder of account information, and wherein the transactable payment token is used by the access device to process a payment for the transaction instead of the primary account identifier, and the non-transactable payment account identifier is used as a reference for the primary account identifier to perform an operation that is not a payment transaction.

16. The token requestor device of claim 15 wherein the operation is a fraud analysis, a rewards process or a loyalty process.

17. The token requestor device of claim 13, wherein the non-transactable payment account identifier is static over time and over any number of transactions.

18. The token requestor device of claim 13, wherein the token requestor device is a mobile phone.

19. The token requestor device of claim 13, wherein the token request includes a token requestor ID that identifies the token requestor device.

20. The token requestor device of claim 13, wherein the code that causes the token requestor device to provide the transactable payment token and the non-transactable payment account identifier to the access device includes code that causes the token requestor device to provide the transactable payment token and the non-transactable payment account identifier to the access device through a wireless communication mechanism.