Secure payment processing using authorization request

• US 10,496,965 B2
• Filed: 07/19/2018
• Issued: 12/03/2019
• Est. Priority Date: 01/20/2015
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: McGuire, Keith
• Primary Examiner(s): Mikels, Matthew
• Application Number:
  US16/039,670
• Publication Number:
  US 20180322478A1
• Time in Patent Office: 502 Days
• Field of Search: 235375, 235379, 235380, 705 5, 705 35- 45
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/3821 Electronic credentials

Abstract

A payment system that uses replacement account identifiers is disclosed. An encrypted primary account number (PAN) may be received by a secure computer from a data entry device. The encrypted PAN may be decrypted by the secure computer and the secure computer may transmit a zero, nominal or no dollar authorization request to an issuer. Using the zero, nominal or no dollar authorization request, the issuer may verify the account. If the account is verified, then a replacement account identifier can be issued at a later time. The replacement account identifier may be used instead of the actual PAN to conduct payment transactions.

Claims

1. A method comprising:

receiving, by a management computer, an authorization identifier, wherein the authorization identifier is generated by an authorization computer after the authorization computer receives a first authorization request message comprising an original account identifier and a first transaction amount, wherein the authorization identifier is provided in a first authorization response message;

generating, by the management computer, a replacement account identifier request message;

transmitting, by the management computer, the replacement account identifier request message to a payment processing computer, the replacement account identifier request message includes the authorization identifier;

receiving, by the management computer, in response to transmitting the replacement account identifier request message including the authorization identifier, a replacement account identifier response message comprising a replacement account identifier;

generating, by the management computer, a second authorization request message comprising a second transaction amount and the replacement account identifier to the payment processing computer to authorize a second transaction; and

receiving, by the management computer, a second authorization response message authorizing or declining the second transaction, the second authorization response message including the replacement account identifier.

2. The method of claim 1, further comprising, prior to receiving the authorization identifier by the management computer:

receiving, by the management computer, the first authorization request message comprising the original account identifier and the first transaction amount from a computer operated by a merchant or an acquirer;

transmitting, by the management computer, the first authorization request message comprising the original account identifier and the first transaction amount to the payment processing computer to authorize a first transaction; and

receiving, by the management computer, the first authorization response message authorizing or declining the first transaction, the first authorization response message including the original account identifier.

3. The method of claim 2, further comprising:

transmitting, by the management computer, the first authorization request message and the replacement account identifier request message in a same communication to the payment processing computer.

4. The method of claim 2, wherein the original account identifier is an encrypted original account identifier and wherein the first authorization request message comprises the encrypted original account identifier.

5. The method of claim 1, wherein the payment processing computer modifies the second authorization request message to exclude the replacement account identifier and to include the original account identifier, sends the second authorization request message with the original account identifier to the authorization computer and receives the second authorization response message from the authorization computer comprising the original account identifier, modifies the second authorization response message to include the replacement account identifier and transmits the second authorization response message with the replacement account identifier to the management computer.

6. The method of claim 2, wherein the payment processing computer sends the first authorization request message with the original account identifier to the authorization computer, receives the first authorization response message from the authorization computer comprising the original account identifier, and transmits the first authorization response message to the management computer.

7. The method of claim 1, wherein the second transaction is a recurring payment transaction.

8. A management computer comprising:

a processor; and

a computer readable medium coupled to the processor, the computer readable medium comprising code that, when executed by the processor, causes the processor to;

receive an authorization identifier, wherein the authorization identifier is generated by an authorization computer after the authorization computer receives a first authorization request message comprising an original account identifier and a first transaction amount, wherein the authorization identifier is provided in a first authorization response message;

generate a replacement account identifier request message;

transmit the replacement account identifier request message to a payment processing computer, the replacement account identifier request message includes the authorization identifier;

receive, in response to transmitting the replacement account identifier request message including the authorization identifier, a replacement account identifier response message comprising a replacement account identifier;

generate a second authorization request message comprising a second transaction amount and the replacement account identifier to the payment processing computer to authorize a second transaction; and

receive a second authorization response message authorizing or declining the second transaction, the second authorization response message including the replacement account identifier.

9. The management computer of claim 8, wherein the code, when executed by the processor, further causes the processor to:

receive the first authorization request message comprising the original account identifier and the first transaction amount from a computer operated by a merchant or an acquirer;

transmit the first authorization request message comprising the original account identifier and the first transaction amount to the payment processing computer to authorize a first transaction; and

receive the first authorization response message authorizing or declining the first transaction, the first authorization response message including the original account identifier.

10. The management computer of claim 9, wherein the code, when executed by the processor, further causes the processor to:

transmit the first authorization request message and the replacement account identifier request message in a same communication to the payment processing computer.

11. The management computer of claim 9, wherein the original account identifier is an encrypted original account identifier and wherein the first authorization request message comprises the encrypted original account identifier.

12. The management computer of claim 8, wherein the payment processing computer modifies the second authorization request message to exclude the replacement account identifier and to include the original account identifier, sends the second authorization request message with the original account identifier to the authorization computer and receives the second authorization response message from the authorization computer comprising the original account identifier, modifies the second authorization response message to include the replacement account identifier and transmits the second authorization response message with the replacement account identifier to the management computer.

13. The management computer of claim 9, wherein the payment processing computer sends the first authorization request message with the original account identifier to the authorization computer, receives the first authorization response message from the authorization computer comprising the original account identifier, and transmits the first authorization response message to the management computer.

14. The management computer of claim 8, wherein the second transaction is a recurring payment transaction.

15. A system comprising:

a local workstation; and

a management computer in communication with the local workstation, the management computer comprising a processor, and a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor to implement a method comprising;

receiving an authorization identifier from the local workstation, wherein the authorization identifier is generated by an authorization computer after the authorization computer receives an authorization request message comprising an original account identifier and a first transaction amount, wherein the authorization identifier is provided in a first authorization response message;

generating a replacement account identifier request message;

transmitting the replacement account identifier request message to a payment processing computer, the replacement account identifier request message includes the authorization identifier;

receiving in response to transmitting the replacement account identifier request message including the authorization identifier, a replacement account identifier response message comprising the replacement account identifier;

generating a second authorization request message comprising a second transaction amount and the replacement account identifier to the payment processing computer to authorize a second transaction; and

receiving a second authorization response message authorizing or declining the second transaction, the second authorization response message including the replacement account identifier.

16. The system of claim 15 further comprising the authorization computer.