PAYMENT ACCOUNT IDENTIFIER SYSTEM
First Claim
Patent Images
1. A method comprising:
- receiving, by a token service computer, a token request comprising a primary account identifier from a token requestor computer;
determining, by the token service computer, a transactable payment token and a non-transactable payment account identifier associated with the primary account identifier; and
transmitting, by the token service computer, the transactable payment token and the non-transactable payment account identifier to the token requestor computer,wherein the transactable payment token and the non-transactable payment account identifier are subsequently provided to an access device to conduct a transaction.
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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.
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Citations
20 Claims
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1. A method comprising:
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receiving, by a token service computer, a token request comprising a primary account identifier from a token requestor computer; determining, by the token service computer, a transactable payment token and a non-transactable payment account identifier associated with the primary account identifier; and transmitting, by the token service computer, the transactable payment token and the non-transactable payment account identifier to the token requestor computer, wherein the transactable payment token and the non-transactable payment account identifier are subsequently provided to an access device to conduct a transaction. - View Dependent Claims (2, 3, 4, 5)
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6. A token service computer comprising:
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a processor; and a computer readable medium, the computer readable medium comprising code, executable by the processor, for implementing a method comprising receiving a token request comprising a primary account identifier, by a token service computer, from a token requestor computer, determining a transactable payment token and a non-transactable payment account identifier associated with the primary account identifier, and transmitting the transactable payment token and the non-transactable payment account identifier to the token requestor computer, wherein the transactable payment token and the non-transactable payment account identifier are subsequently provided to an access device to conduct a transaction. - View Dependent Claims (7, 8, 9, 10)
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11. A method comprising:
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receiving, by a token service system, a token request associated with account information; determining, by the token service system, a non-transactable payment account identifier and a transactable payment token associated with the account information; providing, by the token service system, the non-transactable payment account identifier and the transactable payment token; receiving, by the token service system, an authorization request message including the transactable payment token and the non-transactable payment account identifier from a merchant; adding, by the token service system, the account information to the authorization request message; sending, by the token service system, the authorization request message to an issuer computer; receiving, by the token service system, an authorization response message including the account information from the issuer computer; replacing, by the token service system, the account information with the transactable payment token and the non-transactable payment account identifier in the authorization response message; and sending, by the token service system, the authorization response message to the merchant. - View Dependent Claims (12, 13, 14)
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15. A system comprising:
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a token service computer comprising a first processor and a first computer readable medium, the first computer readable medium comprising code, executable by the first processor to implement a method comprising receiving a transactable payment token request associated with account information, determining a non-transactable payment account identifier and a transactable payment token associated with the account information, and providing the non-transactable payment account identifier and the transactable payment token associated with the account information; and a payment processing network computer in communication with the token service computer, the payment processing network computer comprising a second processor and a second computer readable medium, the second computer readable medium comprising code, executable by the second processor for implementing a method comprising receiving an authorization request message including the transactable payment token and the non-transactable payment account identifier from a merchant, adding the account information to the authorization request message; sending the authorization request message to an issuer, receiving an authorization response message including the account information from the issuer, replacing the account information with the transactable payment token and the non-transactable payment account identifier in the authorization response message, and sending the authorization response message to the merchant. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification