Payment account identifier system

• US 10,269,018 B2
• Filed: 08/01/2018
• Issued: 04/23/2019
• 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:
  US16/052,354
• Publication Number:
  US 20180341948A1
• Time in Patent Office: 265 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:

receiving, from a token requestor device by a computer, a transactable payment token and a non-transactable payment account identifier to conduct a transaction, the transactable payment token and the non-transactable payment account identifier associated with a primary account identifier;

processing, by the computer, an authorization request message comprising the transactable payment token and the non-transactable payment account identifier; and

transmitting, the authorization request message comprising the transactable payment token and the non-transactable payment account identifier to a processing network, wherein the processing network detokenizes the transactable payment token to obtain payment account information including the primary account identifier, and processes the transaction with the payment account information.

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 computer is an access device, wherein the non-transactable payment account identifier is used to identify an accountholder of account information, and wherein 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, further comprising, transmitting, by the token requestor device, a token request to a token service computer, wherein the token request includes a token requestor ID that identifies the token requestor device.

8. The method of claim 7, wherein a token response message is received from the token service computer by the token requestor device, and the token response message includes information regarding a time period in which the transactable payment token is valid.

9. The method of claim 1, wherein the computer is an acquirer computer.

10. The method of claim 1, further comprising:

generating, by the computer, the authorization request message.

11. A computer 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 computer to;

receiving, from a token requestor device by the computer, a transactable payment token and a non-transactable payment account identifier to conduct a transaction, the transactable payment token and the non-transactable payment account identifier associated with a primary account identifier;

processing, by the computer, an authorization request message comprising the transactable payment token and the non-transactable payment account identifier; and

transmitting, the authorization request message comprising the transactable payment token and the non-transactable payment account identifier to a processing network, wherein the processing network detokenizes the transactable payment token to obtain payment account information including the primary account identifier, and processes the transaction with the payment account information.

12. The computer of claim 11, wherein the non-transactable payment account identifier is formatted as a primary account number.

13. The computer of claim 11, wherein the computer is an access device, wherein the non-transactable payment account identifier is used to identify an accountholder of account information, and wherein 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.

14. The computer of claim 13 wherein the operation is a fraud analysis, a rewards process or a loyalty process.

15. The computer of claim 11, wherein the non-transactable payment account identifier is static over time and over any number of transactions.

16. The computer of claim 11, wherein the token requestor device is a mobile phone.

17. The computer of claim 11, wherein the computer is an access device.

18. The computer of claim 11, wherein the computer is an acquirer computer.

19. The computer of claim 11, wherein the computer is an access device with a payment device reader.