Granted Patent B2

US 12,198,133 · App. 17/502,198 · Granted Jan 14, 2025

Inventors: Liam Spence (Mount Kisco, NY); Skyler Fox (Park Ridge, NJ); Joseph Hayes (Montclair, NJ)

Assignee: MASTERCARD INTERNATIONAL INCORPORATED

G06Q20/401G06Q20/36G06Q20/3821G06Q20/385

Abstract

Claims (51)

1. A method for supplying a controlled payment number (CPN) for use on behalf of a tokenized payment account in a digital wallet for e-commerce, comprising:

receiving, by a wallet server, at least a token identifier from an external computing device, the token identifier being associated with a tokenized payment account in the external computing device, wherein neither the wallet server nor the external computing device possesses nor transmits a transaction account number associated with the token identifier;

transmitting, by the wallet server, at least the token identifier and a request flag to a processing server indicating a request for the CPN;

receiving, by the processing server, at least the token identifier and the request flag from the wallet server;

identifying, by the processing server, the transaction account number associated with the token identifier, wherein the transaction account number corresponds to the payment account;

identifying, by the processing server, the CPN corresponding to the payment account;

receiving, by the wallet server, the identified controlled payment number from the processing server; and

transmitting, by the wallet server, the identified controlled payment number to the external computing device.

2. The method of claim 1 , wherein the controlled payment number is subject to one or more transaction controls.

3. The method of claim 2 , wherein the controlled payment number is a one-time use number.

4. The method of claim 1 , wherein identifying the controlled payment number comprises:

transmitting, by the processing server, the transaction account number to a generation server;

generating, by the generation server, the controlled payment number;

mapping, by the generation server, the controlled payment number to the transaction account number; and

receiving, by the processing server, the controlled payment number from the generation server.

5. The method of claim 1 , wherein identifying the controlled payment number comprises:

generating, by the processing server, the controlled payment number; and

mapping, by the processing server, the controlled payment number to the transaction account number.

6. The method of claim 1 , further comprising:

receiving, by the processing server, a transaction message for an electronic payment transaction, the transaction message being formatted according to one or more standards and including a plurality of data elements, the plurality of data elements storing at least the controlled payment number; and

replacing, by the processing server, the controlled payment number in the transaction message with the transaction account number.

7. The method of claim 6 , wherein the one or more standards includes at least one of the ISO 8583 or ISO 20022 standards.

8. A system for supplying a controlled payment number (CPN) for use on behalf of a tokenized payment account in a digital wallet for e-commerce, comprising:

an external computing device;

a wallet server; and

a processing server, wherein

the wallet server

receives at least a token identifier from the external computing device, the token identifier being associated with a tokenized payment account in the external computing device, wherein neither the wallet server nor the external computing device possesses nor transmits a transaction account number associated with the token identifier, and

transmits at least the token identifier and a request flag to the processing server, the processing server indicating a request for the CPN,

receives at least the token identifier and the request flag from the wallet server,

identifies the transaction account number associated with the token identifier, wherein the transaction account number corresponds to the payment account,

identifies the CPN corresponding to the payment account, and

transmits the controlled payment number to the wallet server, and the wallet server further

receives the identified controlled payment number from the processing server, and

transmits the identified controlled payment number to the external computing device.

9. The system of claim 8 , wherein the controlled payment number is subject to one or more transaction controls.

10. The system of claim 9 , wherein the controlled payment number is a one-time use number.

11. The system of claim 8 , further comprising:

a generation server, wherein

identifying the controlled payment number comprises:

transmitting, by the processing server, the transaction account number to the generation server;

generating, by the generation server, the controlled payment number;

mapping, by the generation server, the controlled payment number to the transaction account number; and

receiving, by the processing server, the controlled payment number from the generation server.

12. The system of claim 8 , wherein identifying the controlled payment number comprises:

generating, by the processing server, the controlled payment number; and

mapping, by the processing server, the controlled payment number to the transaction account number.

13. The system of claim 8 , further comprising:

receiving, by the processing server, a transaction message for an electronic payment transaction, the transaction message being formatted according to one or more standards and including a plurality of data elements, the plurality of data elements storing at least the controlled payment number; and

replacing, by the processing server, the controlled payment number in the transaction message with the transaction account number.

14. The system of claim 13 , wherein the one or more standards includes at least one of the ISO 8583 or ISO 20022 standards.

Assignments (1)

Continuity (1)

References Cited (22)