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US 2016/0260096 A1Published application
Dynamic payment account indicators in payment system
AssigneeMastercard International Incorporated
InventorsJason J. Lacoss-Arnold, Chandrasekhar Rao Nadella, Jeffrey L. Altemueller, Ganesh L. Iyer
Life of this patent
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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.
Claims20
A method comprising:
- obtaining transaction data relating to a current purchase transaction;
- retrieving an account indicator;
- using the transaction data to transform the retrieved account indicator;
- and
- encrypting the transformed account indicator to generate an encrypted account indicator.
2 more elements
A method comprising:
- receiving an encrypted account indicator in a POS (point of sale) terminal;
- inserting first data in a payment account number data field in a transaction authorization request, the first data different from the encrypted account indicator;
- inserting the encrypted account indicator in a second data field in the transaction authorization request, the second data field different from the payment account number data field;
- and
- routing the transaction authorization request, with the inserted first data and the inserted encrypted account indicator, from the POS terminal based on the first data.
2 more elements
A method comprising:
- receiving a transaction authorization request, the transaction authorization request including (a) an encrypted account indicator, and (b) transaction data indicative of aspects of a purchase transaction;
- decrypting the encrypted payment token, to produce a decrypted account indicator;
- and
- using the transaction data to transform the decrypted account indicator.
1 more element
Dependencies are inferred from the claim text.