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

Claim 16:
17. A system for identifying an account, via a hash key presented to a third party, in connection with a network interaction involving the third party, the system comprising:
a payment network computing device disposed in communication between the third party and an issuer of an account involved in the network interaction, wherein the payment network computing device is configured to:
receive, from the third party, a hash key specific to the account in connection with the network interaction, the hash key including alpha-numeric characters, the hash key issued by the 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 random code from the issuer, the random code indicative of verification of the one or more details associated with the account by the issuer;
identify an authorization request for the network interaction, from the third party, the authorization request including at least the hash key a user-entered code;
intercept the authorization request, based on the authorization request including the hash key;
confirm the random code from the issuer matches the user-entered code in the authorization request; and then
based on the random code from the issuer matching the user-entered code, direct the authorization request to the issuer.