TRACK DATA ENCRYPTION

• US 20070294182A1
• Filed: 06/12/2007
• Published: 12/20/2007
• Est. Priority Date: 06/19/2006
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Hammad, Ayman
• Granted Patent: US 7,818,264 B2
• Time in Patent Office: Days
• US Class Current: 705/64
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 9/3271 using challenge-response

Abstract

A method for using a secondary PAN is disclosed. The method includes providing a secondary PAN associated with a primary PAN, where the secondary PAN has at least one end portion that is the same as the primary PAN, but has a middle portion of that is different than the primary PAN.

Claims

1. A method comprising:

providing a secondary PAN associated with a primary PAN, wherein the secondary PAN has end portions, and wherein at least one end portion is the same as the primary PAN, and at least the middle portion of the secondary PAN is different than the primary PAN; and

receiving approval or disapproval for a payment transaction after providing the secondary PAN.

2. The method of claim 1 wherein the end portions include a first end portion comprising a BIN number and a second end portion including four digits.

3. The method of claim 1 wherein the secondary PAN is stored in a computer readable medium in a portable consumer device, and wherein the primary PAN is generally known to an authentic consumer operating the portable consumer device, but the secondary PAN is not known to the authentic consumer.

4. The method of claim 1 wherein the middle portion of the secondary PAN dynamically changes with each purchase transaction, but the end portions remain the same with each purchase transaction.

5. The method of claim 1 wherein the secondary PAN is encrypted and provided to an issuer of a portable consumer device associated with the primary PAN, and wherein the method further comprises providing the primary PAN to the issuer, wherein the primary PAN is encrypted.

6. The method of claim 5 wherein the middle portion comprises at least five digits that are the same.

7. The method of claim 1 further comprising:

forming the secondary PAN, wherein the middle portion comprises at least three digits that are the same;

storing the secondary PAN at a location where the primary PAN is normally stored; and

storing the primary PAN somewhere other than the area where the primary PAN is normally stored.

8. The method of claim 7 further comprising:

encrypting the primary PAN; and

encrypting the secondary PAN.

9. The method of claim 1 wherein the method is performed by a consumer using a portable consumer device, wherein the primary PAN is associated with the portable consumer device.

10. A portable consumer device comprising:

a body; and

a computer readable medium coupled to the body, the computer readable medium comprising code for a secondary PAN associated with a primary PAN, wherein the secondary PAN has end portions, and wherein at least one end portion is the same as the primary PAN, while at least the middle portion of the secondary PAN is different than the primary PAN.

11. The portable consumer device of claim 10 wherein the portable consumer device is a payment card.

12. The portable consumer device of claim 10 wherein the end portions include a first end portion and a second end portion, wherein the first end portion comprises a bank identification number.

13. A computer readable medium comprising:

code for providing a secondary PAN associated with a primary PAN using a portable consumer device, wherein the secondary PAN has end portions, and at least one end portion is the same as the primary PAN, while at least a middle portion of the secondary PAN is different than the primary PAN; and

code for receiving approval or disapproval for a payment transaction after providing the secondary PAN.

14. The computer readable medium of claim 13 wherein the secondary PAN is encrypted and wherein the computer readable medium further comprises:

code for providing the primary PAN to the issuer, wherein the primary PAN is encrypted.

15. A method comprising:

receiving an authorization request message associated with a transaction, the authorization request message including a secondary PAN associated with a primary PAN, wherein the secondary PAN has end portions, wherein at least one end portion is the same as the primary PAN, while at least the middle portion of the secondary PAN is different than the primary PAN;

analyzing the secondary PAN;

analyzing the primary PAN; and

sending an authorization response message, wherein the authorization response message indicates approval or disapproval of the transaction.

16. The method of claim 15, wherein the primary PAN is associated with a portable consumer device, and wherein the method is performed by an issuer or a payment processing network.

17. The method of claim 15, wherein the middle portion comprises at least three digits that have the same number.

18. The method of claim 15, wherein the end portions include a first end portion including a BIN and a second end portion including four digits.

19. The method of claim 15, wherein the secondary PAN is located in an area where the primary PAN is normally located and the primary PAN is located in an area where the primary PAN is not normally located.

20. The method of claim 15, wherein the secondary PAN is received from a portable consumer device, and wherein the primary PAN is identified in database after the secondary PAN is received.

21. A computer readable medium comprising:

code for receiving an authorization request message associated with a transaction, the authorization request message including a secondary PAN associated with a primary PAN, wherein the secondary PAN has end portions and wherein at least one end portion is the same as the primary PAN, while at least a middle portion of the PAN of that is different than the primary PAN;

code for analyzing the secondary PAN;

code for analyzing the primary PAN; and

code for sending an authorization response message, wherein the authorization response message indicates approval or disapproval of the transaction.

22. The computer readable medium of claim 21 wherein the end portions include a first end portion including a BIN and a second end portion including four digits.

23. The computer readable medium of claim 21 wherein the middle portion comprises at least three digits that have the same number.

24. The computer readable medium of claim 21 wherein the primary PAN and the secondary PAN both have 13, 16, or 19 digits.

25. A server comprising the computer readable medium of claim 21.

26. A method comprising:

providing a secondary PAN associated with a primary PAN, wherein the secondary PAN has a location identification data element, and wherein the location identification data element is the same as in the primary PAN, and at least the middle portion of the secondary PAN is different than the primary PAN; and

receiving approval or disapproval for a payment transaction after providing the secondary PAN.

27. The method of claim 26 wherein the location identification data element is a BIN.

28. A computer readable medium comprising:

providing a secondary PAN associated with a primary PAN, wherein the secondary PAN has a location identification data element, and wherein the location identification data element is the same as in the primary PAN, and at least the middle portion of the secondary PAN is different than the primary PAN; and

receiving approval or disapproval for a payment transaction after providing the secondary PAN.