Dynamic Account Identifier With Return Real Account Identifier

• US 20140164243A1
• Filed: 12/09/2013
• Published: 06/12/2014
• Est. Priority Date: 12/07/2012
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Aabye, Christian, Byrne, Brian
• Application Number:
  US14/101,169
• Publication Number:
  US 20140164243A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures

Abstract

Embodiments of the invention are directed to systems, apparatus, and methods for receiving an account token for a transaction, and returning an associated real account identifier if the transaction is approved. In one embodiment, an authorization request message for a transaction is received by a server computer, the authorization request message including an account token associated with a real account identifier. The server computer determines the real account identifier associated with the account token. If the transaction is approved, an authorization response message including the real account identifier is transmitted.

Claims

1. A computer-implemented method comprising:

receiving, by a server computer, an authorization request message for a transaction, wherein the authorization request message includes an account token associated with a real account identifier;

determining, by the server computer, the real account identifier associated with the account token; and

if the transaction is approved, transmitting an authorization response message including the real account identifier.

2. The method of claim 1, further comprising:

if the transaction is not approved, transmitting an authorization response message including the account token.

3. The method of claim 1, wherein determining the real account identifier associated with the account token comprises:

identifying a reverse tokenization key corresponding to the account token; and

using the reverse tokenization key to generate the real account identifier from the account token.

4. The method of claim 1, further comprising:

replacing the account token in the authorization request message with the real account identifier;

transmitting the authorization request message including the real account identifier to an issuer computer; and

receiving the authorization response message including the real account identifier from the issuer computer.

5. The method of claim 1, wherein the authorization response message is transmitted to a merchant computer or an acquirer computer.

6. The method of claim 1, further comprising:

receiving an enrollment request including an identifier of a payment device and the real account identifier;

using a token derivation key to generate the account token from the real account identifier; and

transmitting the account token to the payment device.

7. A server computer comprising:

a processor; and

a computer-readable medium coupled to the processor, the computer-readable medium including code executable by the processor for performing a method comprising;

receiving an authorization request message for a transaction, wherein the authorization request message includes an account token associated with a real account identifier;

determining the real account identifier associated with the account token; and

if the transaction is approved, transmitting an authorization response message including the real account identifier.

8. The server computer of claim 7, wherein the method further comprises:

if the transaction is not approved, transmitting an authorization response message including the account token.

9. The server computer of claim 7, wherein determining the real account identifier associated with the account token comprises:

identifying a reverse tokenization key corresponding to the account token; and

using the reverse tokenization key to generate the real account identifier from the account token.

10. The server computer of claim 7, wherein the method further comprises:

replacing the account token in the authorization request message with the real account identifier;

transmitting the authorization request message including the real account identifier to an issuer computer; and

receiving the authorization response message including the real account identifier from the issuer computer.

11. The server computer of claim 7, wherein the authorization response message is transmitted to a merchant computer or an acquirer computer.

12. The server computer of claim 7, wherein the method further comprises:

receiving an enrollment request including an identifier of a payment device and the real account identifier;

using a token derivation key to generate the account token from the real account identifier; and

transmitting the account token to the payment device.

13. A computer-implemented method comprising:

receiving, by a merchant computer, an account token from a payment device, wherein the account token is associated with a real account identifier; and

transmitting, by the merchant computer, an authorization request message for a transaction to a server computer, wherein the authorization request message includes the account token, and wherein the server computer;

determines the real account identifier associated with the account token; and

if the transaction is approved, transmits an authorization response message including the real account identifier.

14. The method of claim 13, wherein if the transaction is not approved, the server computer transmits an authorization response message including the account token.

15. The method of claim 13, wherein determining the real account identifier associated with the account token comprises:

identifying a reverse tokenization key corresponding to the account token; and

using the reverse tokenization key to generate the real account identifier from the account token.

16. The method of claim 13, wherein the server computer:

replaces the account token in the authorization request message with the real account identifier;

transmits the authorization request message including the real account identifier to an issuer computer; and

receives the authorization response message including the real account identifier from the issuer computer.

17. The method of claim 13, wherein the server computer transmits the authorization request message to the merchant computer or an acquirer computer.

18. The method of claim 13, wherein the server computer:

receives an enrollment request including an identifier of the payment device and the real account identifier;

uses a token derivation key to generate the account token from the real account identifier; and

transmits the account token to the payment device.

19. A system comprising:

a payment device configured to store an account token associated with a real account identifier;

a merchant computer configured to;

receive the account token from the payment device; and

transmit an authorization request message for a transaction including the account token; and

a server computer configured to;

receive the authorization request message including the account token from the merchant computer;

determine the real account identifier associated with the account token; and

if the transaction is approved, transmit an authorization response message including the real account identifier.

20. The system of claim 19, wherein the server computer is further configured to:

if the transaction is not approved, transmit an authorization response message including the account token.