Mastercard International Incorporated

John Cacioppo

Michael Jason Friedman

Shoshana Rosenfield

Celine Martig

Ngassam Ngnoumen

Zavida Mangaru

Mehmet Pasa

Rupa Subramanian

Disclosed are exemplary embodiments of systems and methods for processing a payment transaction using a pseudo-PAN. In an exemplary embodiment, a method generally includes periodically generating an encryption salt and receiving an authorization message for a payment transaction to a payment account, where the authorization message includes a token. The method also includes decrypting the token based on an encryption algorithm and the encryption salt most recently generated, prior to receipt of the authorization message, and searching in memory for the decrypted token. The method then includes determining that the decrypted token does not match any of a plurality of actual primary account numbers (PANs) in the memory, whereby the token is determined to not be a pseudo-PAN, and transmitting the authorization message without modification to a computing device associated with one of an acquirer and an issuer of said payment account.

Systems and methods of processing payment transactions using one-time tokens

Disclosed are exemplary embodiments of systems and methods for processing payment transaction using pseudo-PAN. In an exemplary embodiment, a method generally includes generating an encryption salt, receiving a request from a consumer indicating a possible payment transaction, in response to the request, generating a one-time token, based on the actual payment information and a most recent generated encryption salt, the one-time token having the same format as the payment information, with a routing segment of the one-time token being identical to a routing segment of the payment information, and presenting the one-time token.

A method for authorizing a digital wallet transaction initiated by a consumer from a merchant web site or app includes providing an acceptance mark on a merchant landing page associated with the merchant web site or app for initiating the digital wallet transaction, the acceptance mark comprising a link to a host server accessing an acceptance network for authorizing payment, the acceptance network comprising a plurality of digital wallets. A wallet selector switch allows selection of a wallet, the transaction is routed to the selected wallet, a payment card and shipping address are selected and the transaction is redirected back to the merchant with purchase details for authorizing and completing the digital wallet transaction. The wallets can include federated and non-federated cobranded wallets and partner-hosted wallets. Direct provisioning with partner credentials and automatic update of consumer details is provided in a federated cobranded wallet.

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Foristell, MO, United States of America

John Cacioppo