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US 12,002,049 B2Granted
System communications with non-sensitive identifiers
AssigneeVisa International Service Association
InventorJames Dimmick
Life of this patent
Estimating the term…
Abstract
A method is disclosed for enabling transaction reversal processes without utilizing sensitive information. Instead of being identified by sensitive information, the transaction associated with a reversal can be identified by a transaction identifier that is generated by a resource provider.
Claims7
A method comprising:
- receiving, by a transaction processing computer from a resource provider computer associated with a resource provider, an authorization request message for a transaction, the authorization request message including a transaction identifier, a resource provider identifier, and a primary account number, wherein the transaction identifier was generated by the resource provider computer, and wherein the resource provider identifier was generated by the transaction processing computer;
- storing, by the transaction processing computer, a transaction record including the resource provider identifier and the transaction identifier, wherein the primary account number is not stored;
- receiving, by the transaction processing computer from the resource provider computer, a request for reversing the transaction between a user and the resource provider, the request for reversing the transaction including the resource provider identifier and the transaction identifier, a timestamp, and a transaction amount or geo-location information associated with the transaction, the request not including the primary account number associated with an account of the user, wherein the transaction is uniquely identified by the resource provider identifier and the transaction identifier;
- determining, by the transaction processing computer, an authorizing entity identifier based on the resource provider identifier and the transaction identifier;
- forwarding, by the transaction processing computer, the request for reversing the transaction to an authorizing entity computer associated with the determined authorizing entity identifier, wherein the authorizing entity computer determines the primary account number based on the resource provider identifier and the transaction identifier, and wherein the authorizing entity computer approves of the transaction reversal, thereby causing reversal of the transaction;
- receiving, by the transaction processing computer, from a user device, a request for transaction data, the request for transaction data including a time, user information, and resource provider information;
- identifying, by the transaction processing computer, based the request for transaction data, the transaction identifier and the resource provider identifier;
- and
- providing, by the transaction processing computer, the transaction identifier and the resource provider identifier to the user device.
6 more elements
A transaction processing 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, from a resource provider computer, an authorization request message for a transaction, the authorization request message including a transaction identifier, a resource provider identifier, and a primary account number, a timestamp, and a transaction amount or geo-location information associated with the transaction, wherein the transaction identifier was generated by the resource provider computer, and wherein the resource provider identifier was generated by the transaction processing computer;
- storing, by the transaction processing computer, a transaction record including the resource provider identifier and the transaction identifier, wherein the primary account number is not stored;
- receiving, by the transaction processing computer from the resource provider computer, a request for reversing the transaction between a user and a resource provider, the request for reversing the transaction including the resource provider identifier and the transaction identifier, the request for reversing the transaction not including the primary account number associated with an account of the user, wherein the transaction is uniquely identified by the resource provider identifier and the transaction identifier;
- determining an authorizing entity identifier based on the resource provider identifier and the transaction identifier;
- forwarding the request for reversing the transaction to an authorizing entity computer associated with the determined authorizing entity identifier, wherein the authorizing entity computer determines the primary account number based on the resource provider identifier and the transaction identifier, and wherein the authorizing entity computer approves of the transaction reversal, thereby causing reversal of the transaction;
- receiving, from a user device, a request for transaction data, the request for transaction data including a time, user information, and resource provider information;
- identifying, based the request for transaction data, the transaction identifier and the resource provider identifier;
- and
- providing the transaction identifier and the resource provider identifier to the user device.
10 more elements
Dependencies are inferred from the claim text.