Patent ID: 11935023
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A method to operate a payment enabled mobile device to generate a payment authorization request message, the method comprising:
receiving transaction information from a point of sale, the transaction information including a transaction total amount, a merchant identifier and other transaction data;
retrieving an issuer identification number that identifies an issuer of a payment account for use in conducting the transaction;
retrieving at least a first flag corresponding to the issuer identification number;
performing a reversible transformation of an account identifier associated with the payment account to generate a transformed account identifier, the reversible transformation performed based at least in part on the at least first flag; and
transmitting a payment authorization request message to initiate payment processing, the payment authorization request message including a number of standard fields including (i) the issuer number in a standard field normally identifying an account, (ii) the transaction information in standard fields normally identifying transaction information, and (iii) the transformed account identifier in a standard field normally identifying optional data.