The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Oct. 01, 2024
Filed:
Jan. 25, 2021
Mastercard International Incorporated, Purchase, NY (US);
John Cacioppo, Foristell, MO (US);
MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US);
Abstract
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.