Patent ID: 11880838
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 9:
10. A non-transitory computer-readable storage medium including computer-executable instructions for identifying an account via a hash key, which, when executed by a processor of a backend computing device, cause the processor to:
receive, from a third party, a hash key specific to an account associated with a user in connection with an interaction by the user with the third party, the hash key including alpha-numeric characters, the hash key issued by an issuer of the account, and the hash key being distinct from a primary account number (PAN) for the account;
determine the PAN for the account based on the hash key;
identify the issuer of the account based at least in part on the determined PAN;
transmit a verification request including one or more details associated with the account to the issuer of the account, whereby the issuer verifies the one or more details associated with the account;
receive a code from the issuer, the code indicative of verification of the one or more details associated with the account by the issuer;
intercept an authorization request for the interaction between the user and the third party, based on the authorization request including at least the hash key and a user-entered code;
confirm the code from the issuer matches the user-entered code in the authorization request; and then
based on the code from the issuer matching the user-entered code, direct the authorization request to the issuer.