Secure payment processing using authorization request
AssigneeVisa International Service Association
InventorKeith McGuire
Life of this patent
Estimating the term…
Abstract
A payment system that uses replacement account identifiers is disclosed. An encrypted primary account number (PAN) may be received by a secure computer from a data entry device. The encrypted PAN may be decrypted by the secure computer and the secure computer may transmit a zero, nominal or no dollar authorization request to an issuer. Using the zero, nominal or no dollar authorization request, the issuer may verify the account. If the account is verified, then a replacement account identifier can be issued at a later time. The replacement account identifier may be used instead of the actual PAN to conduct payment transactions.
Claims17
A method comprising:
- receiving, by a management computer, an authorization identifier, wherein the authorization identifier is generated by an authorization computer after the authorization computer receives an authorization request message comprising an original account identifier and a zero, nominal or no dollar amount;
- generating, by the management computer, a replacement account identifier request message;
- transmitting, by the management computer, the replacement account identifier request message to a payment processing computer;
- and
- receiving, by the management computer, in response to transmitting the replacement account identifier request message, a replacement account identifier response message comprising the replacement account identifier.
A management computer comprising:
- a processor;
- and
- a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor to implement a method comprising
- receiving an authorization identifier, wherein the authorization identifier is generated by an authorization computer after the authorization computer receives an authorization request message comprising an original account identifier and a zero, nominal or no dollar amount;
- generating a replacement account identifier request message;
- transmitting the replacement account identifier request message to a payment processing computer;
- and
- receiving, in response to transmitting the replacement account identifier request message, a replacement account identifier response message comprising the replacement account identifier.
A system comprising:
- a local workstation;
- and
- a management computer in communication with the local workstation, the management computer comprising a processor, and a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor to implement a method comprising
- receiving an authorization identifier from the workstation, wherein the authorization identifier is generated by an authorization computer after the authorization computer receives an authorization request message comprising an original account identifier and a zero, nominal or no dollar amount,
- generating a replacement account identifier request message,
- transmitting the replacement account identifier request message to a payment processing computer, and
- receiving in response to transmitting the replacement account identifier request message, a replacement account identifier response message comprising the replacement account identifier.
Dependencies are inferred from the claim text.