Extended-length payment account issuer identification numbers
AssigneeMastercard International Incorporated
InventorsJason J. Lacoss-Arnold, Chandrasekkar Rao Nadella, Jeffrey L. Altemueller, Ganesh L. Iyer
Life of this patent
Estimating the term…
Abstract
A payment-enabled mobile device is placed in communication with a POS (point of sale) terminal to facilitate a purchase transaction. A user selects a payment account in the payment-enabled mobile device. Payment credentials are transmitted from the payment-enabled mobile device to the POS terminal. The payment credentials include a PAN-length identifier that identifies an issuer of the selected payment account.
Claims17
A method to operate a payment enabled mobile device to generate a payment authorization request message, the method comprising:
- receiving transaction information from a point of sale, the transaction information including a transaction total amount, a merchant identifier and other transaction data;
- retrieving an issuer identification number that identifies an issuer of a payment account for use in conducting the transaction;
- retrieving at least a first flag corresponding to the issuer identification number;
- performing a reversible transformation of an account identifier associated with the payment account to generate a transformed account identifier, the reversible transformation performed based at least in part on the at least first flag;
- and
- transmitting a payment authorization request message to initiate payment processing, the payment authorization request message including a number of standard fields including (i) the issuer number in a standard field normally identifying an account, (ii) the transaction information in standard fields normally identifying transaction information, and (iii) the transformed account identifier in a standard field normally identifying optional data.
A mobile device, comprising:
- a processing unit;
- and
- a memory storage device including program code that when executed by the processing unit causes to the system to:
- receive transaction information from a point of sale, the transaction information including a transaction total amount, a merchant identifier and other transaction data;
- retrieve an issuer identification number that identifies an issuer of a payment account for use in conducting the transaction;
- retrieve at least a first flag corresponding to the issuer identification number;
- perform a reversible transformation of an account identifier associated with the payment account to generate a transformed account identifier, the reversible transformation performed based at least in part on the at least first flag;
- and
- transmit a payment authorization request message to initiate payment processing, the payment authorization request message including a number of standard fields including (i) the issuer number in a standard field normally identifying an account, (ii) the transaction information in standard fields normally identifying transaction information, and (iii) the transformed account identifier in a standard field normally identifying optional data.
Dependencies are inferred from the claim text.