Systems and methods for updating stored cardholder account data
AssigneeMastercard International Incorporated
InventorSharon A. Rosano
Life of this patent
Estimating the term…
Abstract
A computer-implemented method for updating stored cardholder account data is provided. The method is implemented using an account updating server in communication with a memory. The method includes receiving, from an issuer computer system, cardholder account update information associated with a plurality of cardholder accounts, identifying a merchant associated with at least one of the plurality of cardholder accounts based, at least in part, on the cardholder account update information, generating a merchant update file for the identified merchant including the cardholder account update information for the at least one of the plurality of cardholder accounts, and transmitting the merchant update file.
Claims20
A computer-implemented method for updating stored cardholder account data, said method implemented using an account updating server in communication with a memory, said method comprising:
- identifying, by the account updating server, a plurality of merchants that store cardholder account data;
- receiving, by the account updating server from an issuer computer system, cardholder account update information including, for each of a plurality of cardholder accounts, a previous primary account number (PAN) and an updated PAN;
- retrieving, by the account updating server from the memory, a previous token associated with the previous PAN of a first of the plurality of cardholder accounts, wherein the previous token has been used in lieu of the previous PAN by a first of the identified merchants in at least one previous payment transaction;
- in response to receiving the cardholder account update information, generating, by the account updating server, a new token for the updated PAN of the first cardholder account;
- associating, by the account updating server within the memory, the new token, the updated PAN, the previous token, and the previous PAN such that the new token is usable by an interchange network as a reference to the updated PAN for the first cardholder account in a future payment transaction submitted by the first identified merchant;
- generating, by the account updating server, a merchant update file for the first identified merchant, the merchant update file including the cardholder account update information for the first cardholder account;
- modifying, by the account updating server, the merchant update file by replacing i) the updated PAN with the new token and ii) the previous PAN with the previous token;
- and
- transmitting, from the account updating server, the merchant update file to a third party computing device associated with the first merchant for updating the stored cardholder account data associated with the first cardholder account.
An account updating server for updating stored cardholder account data, said account updating server comprising at least one processor communicatively coupled to a memory, said at least one processor programmed to:
- identify a plurality of merchants that store cardholder account data;
- receive, from an issuer computer system, cardholder account update information including, for each of a plurality of cardholder accounts, a previous primary account number (PAN) and an updated PAN;
- retrieve, from the memory, a previous token associated with the previous PAN of a first of the plurality of cardholder accounts, wherein the previous token has been used in lieu of the previous PAN by a first of the identified merchants in at least one previous payment transaction;
- in response to receiving the cardholder account update information, generate a new token for the updated PAN of the first cardholder account;
- associate, within the memory, the new token, the updated PAN, the previous token, and the previous PAN such that the new token is usable by an interchange network as a reference to the updated PAN for the first cardholder account in a future payment transaction submitted by the first identified merchant;
- generate a merchant update file for the first identified merchant, the merchant update file including the cardholder account update information for the first cardholder account;
- modify the merchant update file by replacing i) the updated PAN with the new token and ii) the previous PAN with the previous token;
- and
- transmit the merchant update file to a third party computing device associated with the first merchant for updating the stored cardholder account data associated with the first cardholder account.
A non-transitory computer-readable storage medium having computer-executable instructions embodied thereon, wherein when executed by an account updating server having at least one processor coupled to a memory, the computer-executable instructions cause the at least one processor to:
- identify a plurality of merchants that store cardholder account data;
- receive, from an issuer computer system, cardholder account update information including, for each of a plurality of cardholder accounts, a previous primary account number (PAN) and an updated PAN;
- retrieve, from the memory, a previous token associated with the previous PAN of a first of the plurality of cardholder accounts, wherein the previous token has been used in lieu of the previous PAN by a first of the identified merchants in at least one previous payment transaction;
- in response to receiving the cardholder account update information, generate a new token for the updated PAN of the first cardholder account;
- associate, within the memory, the new token, the updated PAN, the previous token, and the previous PAN such that the new token is usable by an interchange network as a reference to the updated PAN for the first cardholder account in a future payment transaction submitted by the first identified merchant;
- generate a merchant update file for the first identified merchant, the merchant update file including the cardholder account update information for the first cardholder account;
- modify the merchant update file by replacing i) the updated PAN with the new token and ii) the previous PAN with the previous token;
- and
- transmit the merchant update file to a third party computing device associated with the first merchant for updating the stored cardholder account data associated with the first cardholder account.
Dependencies are inferred from the claim text.