Systems and methods for generating and transmitting electronic transaction account information messages
AssigneeWorldpay, LLC
InventorSachin PAWASKAR
Life of this patent
Estimating the term…
Abstract
Systems and methods are disclosed for secure transmission of account information messages. One method comprises receiving account information; providing a notification to a third party regarding the account information; receiving a first request for information regarding the notification from the third party; providing a response to the third party regarding the first request; receiving data from the third party; using the data to generate a message including details about the account, wherein at least some of the details about the account are encrypted; receiving a second request for information regarding the notification from the third party; and providing the message to the third party.
Claims21
1-20. (canceled)
A computer-implemented method for providing account information, comprising:
- receiving, by a server, an open card request associated with an account;
- transmitting, by the server, a card open notification to a partner computing system, wherein the card open notification includes a notification identifier and first account data, and wherein the first account data includes a masked account number comprising fewer than all digits of an account number associated with the account;
- receiving, by the server, a first details request from the partner computing system, wherein the first details request includes the notification identifier;
- transmitting, by the server, a first details response to the partner computing system, wherein the first details response includes second account data, and wherein the second account data includes at least one of an account holder name, an issuer identifier, an account type, or an expiration timestamp;
- receiving, by the server, a second details request from the partner computing system;
- generating, by the server, encrypted card data based on the second details request;
- and
- transmitting, by the server, a second details response to the partner computing system, wherein the second details response includes the encrypted card data.
A system for providing account information, the system comprising:
- a memory storing instructions;
- and
- a processor configured to execute the instructions to:
- receive an open card request associated with an account;
- transmit a card open notification to a partner computing system, wherein the card open notification includes a notification identifier and first account data, and wherein the first account data includes a masked account number comprising fewer than all digits of an account number associated with the account;
- receive a first details request from the partner computing system, wherein the first details request includes the notification identifier;
- transmit a first details response to the partner computing system, wherein the first details response includes second account data and a flag indicating whether additional details are required, and wherein the second account data includes at least one of an account holder name, an issuer identifier, an account type, or an expiration timestamp;
- receive a more details submission from the partner computing system in response to the flag, wherein the more details submission includes one or more cryptographic keys;
- generate encrypted card data using the one or more cryptographic keys;
- and
- transmit a second details response to the partner computing system, wherein the second details response includes the encrypted card data.
A non-transitory computer-readable medium storing instructions that, when executed by a processor, cause the processor to perform operations comprising:
- receiving an open card request associated with an account;
- transmitting a card open notification to a partner computing system, wherein the card open notification includes a notification identifier and a masked account number comprising fewer than all digits of an account number associated with the account;
- receiving a details request from the partner computing system, wherein the details request includes the notification identifier;
- transmitting a first details response to the partner computing system, wherein the first details response includes account data comprising at least one of an account holder name, an issuer identifier, or an account type, and wherein the first details response includes a flag indicating that additional details are required;
- receiving a more details submission from the partner computing system, wherein the more details submission includes one or more cryptographic keys;
- generating encrypted card data using the one or more cryptographic keys, wherein the encrypted card data includes at least one of a full account number or a card verification value;
- and
- transmitting a second details response to the partner computing system, wherein the second details response includes the encrypted card data.
Dependencies are inferred from the claim text.