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US 11,238,445 B2Granted
Primary account number (PAN) length issuer identifier in payment account number data field of a transaction authorization request message
AssigneeMastercard International Incorporated
InventorsJason J. Lacoss-Arnold, Chandrasekhar Rao Nadella, Jeffrey L. Altemueller, Ganesh L. Iyer
Life of this patent
Estimating the term…
Abstract
Transaction data is obtained relating to a current purchase transaction. An account indicator is retrieved. The transaction data is used to transform the account indicator. The transformed account indicator is encrypted to generate an encrypted account indicator.
Claims10
A method comprising:
- obtaining transaction data relating to a purchase transaction;
- retrieving an account indicator of a payment account for payment of the purchase transaction;
- transforming the retrieved account indicator based on the obtained transaction data to generate a transformed account indicator;
- encrypting the transformed account indicator with a cryptographic key to generate an encrypted and transformed account indicator;
- storing an issuer identifier associated with the cryptographic key in a payment account field of an authorization request and storing the encrypted and transformed account indicator in a different field of the authorization request, wherein the issuer identifier does not contain an identifier of a payment account;
- and
- transmitting the authorization request to a payment terminal device.
4 more elements
A method comprising:
- obtaining transaction data relating to a purchase transaction;
- retrieving an account indicator of a payment account for payment of the purchase transaction;
- transforming the retrieved account indicator based on the obtained transaction data to generate a transformed account indicator;
- encrypting the transformed account indicator with a cryptographic key to generate an encrypted and transformed account indicator;
- storing a primary account number (PAN)-length issuer identifier associated with the cryptographic key in a payment account field of an authorization request and storing the encrypted and transformed account indicator in a different field of the authorization request;
- and
- transmitting the authorization request to a payment terminal device.
4 more elements
Dependencies are inferred from the claim text.