PAYMENT ACCOUNT IDENTIFIER SYSTEM
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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.
2 Citations
39 Claims
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1-20. -20. (canceled)
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21. A method comprising:
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receiving, from a token requestor device by a computer, a transactable payment token and a non-transactable payment account identifier to conduct a transaction, the transactable payment token and the non-transactable account identifier associated with a primary account identifier; processing, by the computer, an authorization request message comprising the transactable payment token and the non-transactable payment account identifier; and transmitting, the authorization request message comprising the transactable payment token and the non-transactable payment account identifier to a processing network, wherein the processing network detokenizes the transactable payment token to obtain payment account information including the primary account identifier, and processes the transaction with the payment account information. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30)
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31. A computer comprising:
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a processor; and a computer readable medium coupled to the processor, the computer readable medium comprising code executable by the processor to cause the computer device to; receiving, from a token requestor device by a computer, a transactable payment token and a non-transactable payment account identifier to conduct a transaction, the transactable payment token and the non-transactable account identifier associated with a primary account identifier; processing, by the computer, an authorization request message comprising the transactable payment token and the non-transactable payment account identifier; and transmitting, the authorization request message comprising the transactable payment token and the non-transactable payment account identifier to a processing network, wherein the processing network detokenizes the transactable payment token to obtain payment account information including the primary account identifier, and processes the transaction with the payment account information. - View Dependent Claims (32, 33, 34, 35, 36, 37, 38, 39)
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Specification