Payment account identifier system

• US 9,846,878 B2
• Filed: 01/14/2015
• Issued: 12/19/2017
• 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
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US14/597,072
• Publication Number:
  US 20150199689A1
• Time in Patent Office: 1,070 Days
• Field of Search: 235379, 235375, 235487, 235382, 235380, 705 67, 705 71, 705 44
• 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 first 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;

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 one or more entities to conduct a first payment transaction;

receiving, by the token service computer, a second request comprising the non-transactable payment account identifier from an entity of the one or more entities;

determining, by the token service computer, information associated with the non-transactable payment account identifier; and

transmitting, by the token service computer, the information associated with the non-transactable payment account identifier to the entity.

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 static over time and over any number of transactions.

4. The method of claim 1 wherein the entity is a merchant, acquirer, issuer, or payment processing network.

5. The method of claim 1 wherein the information associated with the non-transactable payment account identifier comprises the primary account identifier.

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 first request comprising a primary account identifier from a token requestor computer,

determining a transactable payment token and a non-transactable payment account identifier associated with the primary account identifier,

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 one or more entities to conduct a first payment transaction,

receiving a second request comprising the non-transactable payment account identifier from an entity of the one or more entities,

determining information associated with the non-transactable payment account identifier, and

transmitting the information associated with the non-transactable payment account identifier to the entity.

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

8. A system comprising:

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

9. The token service computer of claim 6 wherein the entity is a merchant, acquirer, issuer, or payment processing network.

10. The token service computer of claim 6 wherein the information associated with the non-transactable payment account identifier comprises the primary account identifier.

11. A method comprising:

receiving, by a token service system, a first 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 to conduct a first payment transaction comprising 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 comprising 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;

sending, by the token service system, the authorization response message to the merchant;

receiving, by the token service system, a second request comprising the non-transactable payment account identifier from an entity;

determining, by the token service system, information associated with the non-transactable payment account identifier; and

transmitting, by the token service system, the information associated with the non-transactable payment account identifier to the entity.

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 first 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,

wherein the transactable payment token and the non-transactable payment account identifier are subsequently provided to conduct a first payment transaction,

receiving a second request comprising the non-transactable payment account identifier,

determining information associated with the non-transactable payment account identifier,

providing the information associated with the non-transactable payment account identifier; 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 to conduct the first payment transaction 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.