Method and system for correlating diverse transaction data

Patent metadata

Field	Value
Publication number	US-10296904-B2
Application number	US-201615354891-A
Country	US
Kind code	B2
Filing date	Nov 17, 2016
Priority date	Jun 6, 2012
Publication date	May 21, 2019
Grant date	May 21, 2019

Abstract

Embodiments of the present invention are directed to methods, systems, and apparatuses for matching e-commerce and physical point-of-sale transaction data. In one embodiment, a method includes receiving, by a computer, first transaction data comprising a payment token or second transaction data comprising a primary account identifier, wherein the payment token is derived from the primary account identifier, and providing, by the computer, a universal account identifier after receiving the payment token or the account identifier, wherein the universal account identifier is a substitute for the payment token and the primary account identifier.

First claim

What is claimed is:

1. A computer system comprising:
one or more processors; and
a non-transitory computer-readable medium coupled to the one or more processors, the computer-readable medium comprising code executable by the one or more processors for performing a process comprising:
receiving transaction data for a transaction, the transaction data comprising a payment token;
determining a universal account identifier associated with the payment token, wherein determining the universal account identifier comprises:
sending a request message to a universal account identifier generator computer, the request message including the payment token;
receiving, by a merchant processor computer, and from the universal account identifier generator computer, a de-tokenization request message associated with the transaction, the de-tokenization request message including a tokenized version of a primary account identifier;
determining the primary account identifier associated with the transaction data;
generating a de-tokenization response message including the primary account identifier;
sending the de-tokenization response message to the universal account identifier generator computer, the de-tokenization response message including the primary account identifier; and
receiving the universal account identifier response message, the universal account identifier response message including the universal account identifier associated with the payment token, wherein the universal account identifier is generated based on the primary account identifier in the de-tokenization response message; and

processing the transaction using the transaction data and providing the universal account identifier to a merchant computer along with an authorization response message associated with the processing of the transaction.

2. The computer system of claim 1 , wherein the universal account identifier is generated from a cryptographic conversion of the primary account identifier, and wherein the cryptographic conversion produces the universal account identifier for the primary account identifier.

3. The computer system of claim 1 , wherein the receiving and determining are performed during a payment transaction conducted using the payment token.

4. The computer system of claim 1 , wherein the universal account identifier is a substitute for the payment token and the primary account identifier.

5. The computer system of claim 1 , wherein the payment token, the primary account identifier, and the universal account identifier are associated with a same account at an issuer.

6. The computer system of claim 1 , wherein the universal account identifier is stored at a merchant analytics database, and wherein the universal account identifier is associated with e-commerce transactions of a consumer and retail transactions of the consumer.

7. The computer system of claim 1 , wherein the transaction is an e-commerce transaction.

8. The computer system of claim 1 , wherein the computer-readable medium further comprises code for performing the process comprising:
submitting, by the merchant processor computer, a plurality of universal account identifier requests for a plurality of merchants to the universal account identifier generator computer, wherein the plurality of universal account identifier requests includes the request message.

9. The computer system of claim 1 , wherein processing the transaction using the transaction data includes:
sending an authorization request message to an acquirer computer, a payment processing network computer, and an issuer computer of an issuer of a consumer account associated with the received payment token; and
receiving the authorization response message generated by the issuer computer and routed through the payment processing network computer and the acquirer computer, wherein the received authorization response message is provided to the merchant computer along with the universal account identifier.

10. The computer system of claim 1 , wherein the universal account identifier instead of the payment token is stored in a merchant analytics database, thereby enabling the merchant computer to match a plurality of transactions processed through third party service providers incorporating different tokenization schemes.

11. A method comprising:
receiving transaction data for a transaction, the transaction data comprising a payment token;
determining a universal account identifier associated with the payment token, wherein determining the universal account identifier comprises:
sending a request message to a universal account identifier generator computer, the request message including the payment token;
receiving, by a merchant processor computer, and from the universal account identifier generator computer, a de-tokenization request message associated with the transaction, the de-tokenization request message including a tokenized version of a primary account identifier;
determining the primary account identifier associated with the transaction data;
generating a de-tokenization response message including the primary account identifier;
sending the de-tokenization response message to the universal account identifier generator computer, the de-tokenization response message including the primary account identifier; and
receiving the universal account identifier response message, the universal account identifier response message including the universal account identifier associated with the payment token, wherein the universal account identifier is generated based on the primary account identifier in the de-tokenization response message; and

processing the transaction using the transaction data and providing the universal account identifier to a merchant computer along with an authorization response message associated with the processing of the transaction.

12. The method of claim 11 , wherein the universal account identifier is generated from a cryptographic conversion of the primary account identifier, and wherein the cryptographic conversion produces the universal account identifier for the primary account identifier.

13. The method of claim 11 , wherein the receiving and determining are performed during a payment transaction conducted using the payment token.

14. The method of claim 11 , wherein the universal account identifier is a substitute for the payment token and the primary account identifier.

15. The method of claim 11 , wherein the payment token, the primary account identifier, and the universal account identifier are associated with a same account at an issuer.

16. The method of claim 11 , wherein the universal account identifier is stored at a merchant analytics database, and wherein the universal account identifier is associated with e-commerce transactions of a consumer and retail transactions of the consumer.

17. The method of claim 11 , wherein the transaction is an e-commerce transaction.

18. The method of claim 11 , further comprising:
submitting, by the merchant processor computer, a plurality of universal account identifier requests for a plurality of merchants to the universal account identifier generator computer, wherein the plurality of universal account identifier requests includes the request message.

19. The method of claim 11 , wherein processing the transaction using the transaction data includes:
sending an authorization request message to an acquirer computer, a payment processing network computer, and an issuer computer of an issuer of a consumer account associated with the received pay

Assignees

• Visa Int Service Ass

Inventors

• Weber Lance

Classifications

• G06Q2220/00

  Business processing using cryptography · CPC title

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title

• G06Q20/102

  Bill distribution or payments · CPC title

• G06Q30/0207

  Discounts or incentives, e.g. coupons or rebates · CPC title

• G06Q20/385 Primary

  using an alias or single-use codes · CPC title