Alternative account identifier

Patent metadata

Field	Value
Publication number	US-2016189138-A1
Application number	US-201314092921-A
Country	US
Kind code	A1
Filing date	Nov 27, 2013
Priority date	Nov 27, 2013
Publication date	Jun 30, 2016
Grant date	—

Abstract

Payment instrument data is received in connection with a transaction, the data including an alternative primary account number (PAN) and an account identifier. A permanent PAN of an account is identified that is based on the account identifier. An alternative PAN associated with the permanent PAN is derived to determine whether the received alternative PAN matches the derived alternative PAN associated with the permanent PAN.

First claim

1 . A method comprising:
receiving card data comprising a first one-time primary account number (PAN) and an account identifier in association with a transaction; identifying a permanent PAN of an account based on the account identifier; deriving a second one-time PAN associated with the permanent PAN; and determining whether the first one-time PAN is substantially equal to the second one-time PAN associated with the permanent PAN.

2 . The method of claim 1 , wherein the transaction is to be completed based at least in part on determining that the first one-time PAN matches the second one-time PAN associated with the permanent PAN.

3 . The method of claim 1 , wherein the card data is received from a transaction terminal included in the transaction and the permanent PAN is withheld from a transaction terminal in the transaction.

4 . The method of claim 3 , wherein the card data comprises at least a portion of data received by the transaction terminal in the transaction from a user device associated with the account.

5 . The method of claim 1 , wherein deriving the one-time PAN associated with the permanent PAN comprises:
identifying seed data associated with the account; and deriving the one-time PAN associated with the permanent PAN from the seed data and a moving value.

6 . The method of claim 5 , wherein the moving value comprises a counter value.

7 . The method of claim 6 , wherein the counter value comprises the Application Transaction Counter (ATC) value when the EMV payment protocol is used.

8 . The method of claim 5 , wherein the moving value comprises a time value.

9 . The method of claim 1 , wherein the one-time PAN comprises a one-time component, a bank identification number (BIN), and a checksum value.

10 . The method of claim 1 wherein the one-time PAN comprises a one-time component, a bank identification number (BIN), and a checksum value, and the last four digits of the one-time PAN are to match the last four digits of the permanent PAN.

11 . A method comprising:
generating a one-time primary account number (PAN); sending the one-time PAN in lieu of a permanent account number to a transaction terminal in a transaction; and sending account verification data corresponding to an account to the transaction terminal in the transaction.

12 . A computer program product comprising a computer readable storage medium comprising computer readable program code embodied therewith, the computer readable program code comprising:
computer readable program code configured to receive card data comprising a first one-time primary account number (PAN) and an account identifier in association with a transaction; computer readable program code configured to identify a permanent PAN of an account based on the account identifier; computer readable program code configured to derive a second one-time PAN associated with the permanent PAN; and computer readable program code configured to determine whether the first one-time PAN is substantially equal to the second one-time PAN associated with the permanent PAN.

13 . A computer program product comprising a computer readable storage medium comprising computer readable program code embodied therewith, the computer readable program code comprising:
computer readable program code configured to generate a one-time primary account number (PAN); computer readable program code configured to send the one-time PAN in lieu of a permanent account number to a transaction terminal in a transaction; and computer readable program code configured to send account verification data corresponding to an account to the transaction terminal in the transaction.

14 . The computer program product of claim 13 , wherein the computer readable program code further comprises computer readable program code configured to exchange messages with the transaction terminal in the transaction according to a payment protocol.

15 . The computer program product of claim 14 , wherein the payment protocol comprises an EMV-type protocol.

16 . The computer program product of claim 14 , wherein the one-time PAN is to be included in one of the messages.

17 . The computer program product of claim 13 , wherein the one-time PAN and account verification data are to be sent together as card data within first track data and second track data.

18 . The computer program product of claim 17 , wherein the one-time PAN is to be included in a respective PAN field of each of the first track data and second track data and the account verification data is to be included in a respective discretionary field of each of the first track data and second track data.

19 . The computer program product of claim 13 , wherein generating the one-time PAN comprises:
identifying seed data associated with the account; and deriving the one-time PAN associated with the permanent PAN from the seed data and a moving value.

20 . The computer program product of claim 19 , wherein the moving value comprises one of a counter value and a time value.

21 . The computer program product of claim 19 , wherein the seed data is cryptographically camouflaged in local memory.

22 . The computer program product of claim 13 , wherein the one-time PAN is to comprise a one-time component, a bank identification number (BIN), and a checksum value.

23 . The computer program product of claim 13 , wherein one-time PAN and account verification data are to be sent to the transaction terminal over a near field communication (NFC) connection.

24 . A system comprising:
a processor device; a memory element; a card processing system to:
receive card data comprising a first one-time primary account number (PAN) and an account identifier in association with a transaction;
identify a permanent PAN of an account based on the account identifier;
derive a second one-time PAN associated with the permanent PAN; and
determine whether the first one-time PAN is substantially equal to the second one-time PAN associated with the permanent PAN.

Assignees

• Ca Inc

Inventors

• Hird Geoffrey R
• Hoover Douglas N

Classifications

• G06Q20/385

  using an alias or single-use codes · CPC title

• G06Q20/34 Primary

  using cards, e.g. integrated circuit [IC] cards or magnetic cards · CPC title