PAYMENT ACCOUNT IDENTIFIER SYSTEM

• US 20150199689A1
• Filed: 01/14/2015
• Published: 07/16/2015
• 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
• Granted Patent: US 9,846,878 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• 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, 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.

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. A token service computer comprising:

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.

7. The token service computer of claim 6, 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.

8. The token service computer of claim 7, wherein the operation is a fraud analysis, a rewards or a loyalty process.

9. The token service computer of claim 6, wherein the non-transactable payment account identifier is static over time and over any number of transactions.

10. A system comprising:

the token service computer of claim 6, and a consumer'"'"'s payment device configured to interact with the access device.

11. A method comprising:

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.

12. The method of claim 11 wherein the token service system comprises a token service computer and a payment processing network computer.

13. The method of claim 11 wherein the account information comprises a PAN (primary account number), and the non-transactable payment account identifier and the transactable payment token have the same format as the PAN.

14. The method of claim 13 wherein the PAN, the non-transactable payment account identifier, and the transactable payment token are each sixteen characters in length.

15. A system comprising:

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.

16. The system of claim 15 wherein the account information comprises a PAN (primary account number), and the non-transactable payment account identifier and the token have the same format as the PAN.

17. The system of claim 16 wherein the PAN, the non-transactable payment account identifier, and the token are each sixteen characters in length.

18. The system of claim 16 further comprising:

an access device in communication with the payment processing network.

19. The system of claim 18 further comprising:

a payment device configured to interact with the access device.

20. The system of claim 15 wherein the system is a token service system.