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US 2019/0095908 A1Published application
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, Chandrasekar 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.
Claims16
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 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.