Payment account identifier system

1. A method comprising:

providing, by a token requestor device to a token service computer, a token request comprising a primary account identifier, the token service computer thereafter determines a transactable payment token and a non-transactable payment account identifier associated with the primary account identifier, and generates a token response message including the transactable payment token and the non-transactable payment account identifier;

receiving, by the token requestor device from the token service computer, the token response message comprising the transactable payment token and the non-transactable payment account identifier; and

providing, by the token requestor device, the transactable payment token and the non-transactable payment account identifier to an access device to conduct a transaction,

wherein the access device generates an authorization request message including a first data field including the transactable payment token and a second data field including the non-transactable payment account identifier after receiving the transactable payment token and the non-transactable payment account identifier, and forwards the authorization request message to a processing network.

2. The method of claim 1 , wherein the non-transactable payment account identifier is formatted as a primary account number.

3. The method of claim 1 , wherein the non-transactable payment account identifier is used to identify an accountholder of account information, and wherein the transactable payment token is used by the access device to process a payment for the transaction instead of the primary account identifier, and the non-transactable payment account identifier is used as a reference for the primary account identifier to perform an operation that is not a payment transaction.

4. The method of claim 3 wherein the operation is a fraud analysis, a rewards process or a loyalty process.

5. The method of claim 1 , wherein the non-transactable payment account identifier is static over time and over any number of transactions.

6. The method of claim 1 , wherein the token requestor device is a mobile phone.

7. The method of claim 1 , wherein the token request includes a token requestor ID that identifies the token requestor device.

8. The method of claim 1 , wherein the token response message includes information regarding a time period in which the token is valid.

9. The method of claim 1 , wherein providing the transactable payment token and the non-transactable payment account identifier to the access device includes providing the transactable payment token and the non-transactable payment account identifier to the access device through a wireless communication mechanism.

10. The method of claim 1 , wherein the authorization request message is forwarded to the processing network via an acquirer.

11. The method of claim 1 , wherein the non-transactable payment account identifier is generated from an account number that is associated with the transactable payment token.

12. The method of claim 1 , wherein the transactable payment token and the non-transactable payment account identifier are both sixteen digits long.

13. A token requestor device comprising:

a processor; and

a computer readable medium coupled to the processor, the computer readable medium comprising code executable by the processor to cause the token requestor device to:

provide, to a token service computer, a token request comprising a primary account identifier, the token service computer thereafter determines a transactable payment token and a non-transactable payment account identifier associated with the primary account identifier, and generates a token response message including the transactable payment token and the non-transactable payment account identifier;

receive, from the token service computer, the token response message comprising the transactable payment token and the non-transactable payment account identifier; and

provide the transactable payment token and the non-transactable payment account identifier to an access device to conduct a transaction,

wherein the access device generates an authorization request message including a first data field including the transactable payment token and a second data field including the non-transactable payment account identifier after receiving the transactable payment token and the non-transactable payment account identifier, and forwards the authorization request message to a processing network.

14. The token requestor device of claim 13 , wherein the non-transactable payment account identifier is formatted as a primary account number.

15. The token requestor device of claim 13 , wherein the non-transactable payment account identifier is used to identify an accountholder of account information, and wherein the transactable payment token is used by the access device to process a payment for the transaction instead of the primary account identifier, and the non-transactable payment account identifier is used as a reference for the primary account identifier to perform an operation that is not a payment transaction.

16. The token requestor device of claim 15 wherein the operation is a fraud analysis, a rewards process or a loyalty process.

17. The token requestor device of claim 13 , wherein the non-transactable payment account identifier is static over time and over any number of transactions.

18. The token requestor device of claim 13 , wherein the token requestor device is a mobile phone.

19. The token requestor device of claim 13 , wherein the token request includes a token requestor ID that identifies the token requestor device.

20. The token requestor device of claim 13 , wherein the code that causes the token requestor device to provide the transactable payment token and the non-transactable payment account identifier to the access device includes code that causes the token requestor device to provide the transactable payment token and the non-transactable payment account identifier to the access device through a wireless communication mechanism.