Token-Based Payment Transaction Routing
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Solution Overview
Problem
Existing payment systems face challenges in providing value-added services to transactions without using primary account numbers (PANs), due to security and privacy concerns related to the transmission of consumer-specific information across regions.
Innovation Solution
The system uses tokens or non-PAN identifiers (NPIs) that are mapped from PANs, allowing services to be associated with transactions without revealing consumer-specific information. The NPIs are assigned to include a segment of the PAN, ensuring that services can still be identified and applied based on the PAN, while the NPIs fail PAN-specific validations to maintain anonymity.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If primary account numbers (PANs) are transmitted across regions for service provision, then services can be properly identified and applied based on the PAN, but consumer-specific information is exposed and regional data transmission restrictions are violated
Solution Approach 1:
The patent introduces tokens as intermediary elements that replace PANs in cross-region transmissions. These tokens contain service identification information without exposing consumer-specific PAN data. The token acts as a mediator between the service identification requirement and the privacy protection requirement, allowing services to be properly identified while preventing consumer information exposure.
Solution Approach 2:
The patent extracts the service identification information from the PAN and places it into a separate token structure. By taking out only the necessary service-related data elements from the PAN and embedding them in tokens, the system enables service identification without transmitting the full PAN containing consumer-specific information.
2Object-affected harmful factors
If tokens are used instead of PANs, then consumer anonymity is maintained and data transmission restrictions are complied with, but service identification based on PAN-specific information becomes difficult
Solution Approach 1:
The token serves as an intermediary data structure that bridges the gap between anonymity requirements and service identification needs. It contains embedded service identification information that enables proper service routing and application without revealing consumer identity, thus preventing information loss while maintaining anonymity.
Solution Approach 2:
The patent applies local quality by giving different parts of the token different functions: some portions contain service identification information for routing and service application, while other portions maintain anonymity. This localized functional differentiation allows the token to simultaneously enable service identification and protect consumer information.
Data Source
AI summary
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.