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

Claim 0:
1. A computer-implemented method for identifying an account, via a hash key presented to a third party, in connection with a network interaction involving the third party, the method comprising:
receiving, by a backend computing device, 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, the backend computing device separate from the issuer of the account;
determining, by the backend computing device, the PAN for the account based on the hash key;
identifying, by the backend computing device, an issuer of the account based at least in part on the determined PAN;
transmitting, by the backend computing device, to the issuer of the account, a verification request including one or more details associated with the account, whereby the issuer verifies the one or more details associated with the account;
receiving, by the backend computing device, a code from the issuer, the code indicative of verification of the one or more details associated with the account by the issuer;
identifying, by the backend computing device, an authorization request for the interaction between the user and the third party, the authorization request including at least the hash key and a user-entered code;
intercepting the authorization request, based on the authorization request including the hash key while confirming, by the backend computing device, 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, directing the authorization request to the issuer.