System communications with non-sensitive identifiers

Patent metadata

Field	Value
Publication number	US-12002049-B2
Application number	US-202117214373-A
Country	US
Kind code	B2
Filing date	Mar 26, 2021
Priority date	Nov 25, 2014
Publication date	Jun 4, 2024
Grant date	Jun 4, 2024

Abstract

A method is disclosed for enabling transaction reversal processes without utilizing sensitive information. Instead of being identified by sensitive information, the transaction associated with a reversal can be identified by a transaction identifier that is generated by a resource provider.

First claim

What is claimed is:

1. A method comprising:
receiving, by a transaction processing computer from a resource provider computer associated with a resource provider, an authorization request message for a transaction, the authorization request message including a transaction identifier, a resource provider identifier, and a primary account number, wherein the transaction identifier was generated by the resource provider computer, and wherein the resource provider identifier was generated by the transaction processing computer;
storing, by the transaction processing computer, a transaction record including the resource provider identifier and the transaction identifier, wherein the primary account number is not stored;
receiving, by the transaction processing computer from the resource provider computer, a request for reversing the transaction between a user and the resource provider, the request for reversing the transaction including the resource provider identifier and the transaction identifier, a timestamp, and a transaction amount or geo-location information associated with the transaction, the request not including the primary account number associated with an account of the user, wherein the transaction is uniquely identified by the resource provider identifier and the transaction identifier;
determining, by the transaction processing computer, an authorizing entity identifier based on the resource provider identifier and the transaction identifier;
forwarding, by the transaction processing computer, the request for reversing the transaction to an authorizing entity computer associated with the determined authorizing entity identifier, wherein the authorizing entity computer determines the primary account number based on the resource provider identifier and the transaction identifier, and wherein the authorizing entity computer approves of the transaction reversal, thereby causing reversal of the transaction;
receiving, by the transaction processing computer, from a user device, a request for transaction data, the request for transaction data including a time, user information, and resource provider information;
identifying, by the transaction processing computer, based the request for transaction data, the transaction identifier and the resource provider identifier; and
providing, by the transaction processing computer, the transaction identifier and the resource provider identifier to the user device.

2. The method of claim 1 , wherein the transaction identifier was generated by the resource provider computer, and wherein the resource provider identifier was generated by the transaction processing computer.

3. The method of claim 1 , wherein the resource provider computer sent the transaction reversal request in response to receiving the transaction identifier and the resource provider identifier from the user device.

4. The method of claim 1 , wherein determining the authorizing entity identifier includes:
identifying, by the transaction processing computer, the transaction record that includes that the resource provider identifier and the transaction identifier; and
locating, by the transaction processing computer, the authorizing entity identifier in the transaction record.

5. A transaction processing computer comprising:
a processor; and
a computer readable medium, the computer readable medium comprising code,
executable by the processor, for implementing a method comprising:
receiving, from a resource provider computer, an authorization request message for a transaction, the authorization request message including a transaction identifier, a resource provider identifier, and a primary account number, a timestamp, and a transaction amount or geo-location information associated with the transaction, wherein the transaction identifier was generated by the resource provider computer, and wherein the resource provider identifier was generated by the transaction processing computer;
storing, by the transaction processing computer, a transaction record including the resource provider identifier and the transaction identifier, wherein the primary account number is not stored;
receiving, by the transaction processing computer from the resource provider computer, a request for reversing the transaction between a user and a resource provider, the request for reversing the transaction including the resource provider identifier and the transaction identifier, the request for reversing the transaction not including the primary account number associated with an account of the user, wherein the transaction is uniquely identified by the resource provider identifier and the transaction identifier;
determining an authorizing entity identifier based on the resource provider identifier and the transaction identifier;
forwarding the request for reversing the transaction to an authorizing entity computer associated with the determined authorizing entity identifier, wherein the authorizing entity computer determines the primary account number based on the resource provider identifier and the transaction identifier, and wherein the authorizing entity computer approves of the transaction reversal, thereby causing reversal of the transaction;
receiving, from a user device, a request for transaction data, the request for transaction data including a time, user information, and resource provider information;
identifying, based the request for transaction data, the transaction identifier and the resource provider identifier; and
providing the transaction identifier and the resource provider identifier to the user device.

6. The transaction processing computer of claim 5 , the method further comprising:
forwarding the authorization request message to the authorizing entity computer; and
receiving an authorization response message including the resource provider identifier, the transaction identifier, and not including the primary account number.

7. The transaction processing computer of claim 5 , wherein the authorizing entity identifier is a portion of the primary account number.

Assignees

• Visa Int Service Ass

Inventors

• Dimmick James

Classifications

• G06Q20/4014 Primary

  Identity check for transactions · CPC title

• G06F21/6245

  Protecting personal data, e.g. for financial or medical purposes · CPC title

• G06Q20/385

  using an alias or single-use codes · CPC title

• G06Q20/407

  Cancellation of a transaction · CPC title

• G06Q2220/00

  Business processing using cryptography · CPC title