Patent ID: 7818264
Filing Date: 2010-10-19
Classification: G06Q,H04L

Abstract:
1. A method comprising: receiving an authorization request message associated with a transaction at a server computer, the authorization request message including a secondary PAN associated with a primary PAN comprising a primary PAN first end portion consisting of a six digit bank identification number, a primary PAN second end portion consisting of four digits, and a primary PAN middle portion, comprising at least three digits, between the primary PAN first end portion and the primary PAN second end portion, wherein the secondary PAN has a secondary PAN first end portion consisting of the six digit bank identification number, a secondary PAN second end portion comprising the four digits of the primary PAN second end portion, and a secondary PAN middle portion that is different from the primary PAN middle portion, wherein the secondary PAN middle portion comprises at least three digits that are identical and wherein the secondary PAN is in a PAN field in the authorization request message; analyzing the secondary PAN by the server computer and determining that the secondary PAN comprises the at least three digits that are identical and that the secondary PAN is not a real primary account number; based on the determining that the secondary PAN comprises the at least three digits that are identical, obtaining the primary PAN by the server computer from a location in the authorization request message other than the PAN field; analyzing the primary PAN by the server computer; and sending an authorization response message by the server computer, wherein the authorization response message indicates approval or disapproval of the transaction, wherein both the primary PAN and the secondary PAN are either 13, 16, or 19 digits long.