Invention Grant
- Patent Title: Systems and methods for use in facilitating application of services for purchase transactions based on tokens
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Application No.: US17409494Application Date: 2021-08-23
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Publication No.: US12340372B2Publication Date: 2025-06-24
- Inventor: Bryan Niehaus
- Applicant: MASTERCARD INTERNATIONAL INCORPORATED
- Applicant Address: US NY Purchase
- Assignee: MASTERCARD INTERNATIONAL INCORPORATED
- Current Assignee: MASTERCARD INTERNATIONAL INCORPORATED
- Current Assignee Address: US NY Purchase
- Agency: Harness, Dickey & Pierce, P.L.C.
- Main IPC: G06Q20/40
- IPC: G06Q20/40 ; G06F16/9535 ; G06Q20/10 ; G06Q20/38

Abstract:
Disclosed are exemplary embodiments of systems and methods for facilitating services associated with transaction requests. In an exemplary embodiment, a method generally includes receiving, from a first entity, a transaction request for a payment account transaction. The transaction request includes a primary account number (PAN) for a payment account involved in the transaction. The exemplary method also includes overwriting the PAN in the transaction request with a non-PAN identifier (NPI), where a first segment of the PAN is identical to a first segment of the NPI and where the NPI is an invalid PAN. The exemplary method further includes routing the transaction request to a service, whereby the service is able to be implemented for the transaction request based, in part, on the first segment of the NPI while the PAN remains anonymous to the service.
Public/Granted literature
Information query