Payment account identifier system

Abstract

A method for utilizing a non-transactable account identifier with a payment token is disclosed. The non-transactable account identifier can have the same format as a primary account number (PAN) and the payment token, but is not used to conduct a payment transaction.

1 .- 20 . (canceled) 
     
     
         21 . A method comprising:
 receiving, by a computer, a request comprising a non-transactable payment account identifier from an entity of one or more entities;   determining, by the computer, information associated with the non-transactable payment account identifier; and   transmitting, by the computer, the information associated with the non-transactable payment account identifier to the entity.   
     
     
         22 . The method of  claim 21 , wherein the non-transactable payment account identifier is formatted as a primary account number. 
     
     
         23 . The method of  claim 21 , wherein the non-transactable payment account identifier is static over time and over any number of transactions. 
     
     
         24 . The method of  claim 21 , wherein the one or more entities comprises a payment processing network configured to process credit and debit card transactions. 
     
     
         25 . The method of  claim 21 , wherein the request comprises a token associated with the non-transactable payment account identifier. 
     
     
         26 . The method of  claim 21 , wherein the request is an authorization request message, and wherein the entity is an acquirer computer. 
     
     
         27 . The method of  claim 21 , wherein the information associated with the non-transactable payment account identifier includes a primary account number. 
     
     
         28 . A method comprising:
 receiving a request comprising a primary account identifier from a token requestor computer;   determining a transactable payment token and a non-transactable payment account identifier associated with the primary account identifier; and   transmitting the transactable payment token and the non-transactable payment account identifier to the token requestor computer.   
     
     
         29 . The method of  claim 28 , wherein the non-transactable payment account identifier is static over time and over any number of transactions. 
     
     
         30 . The method of  claim 28 , wherein the non-transactable payment account identifier is formatted as a primary account number. 
     
     
         31 . The method of  claim 28 , further comprising:
 associating and storing the primary account identifier and the non-transactable payment account identifier in a database.   
     
     
         32 . The method of  claim 28 , wherein the non-transactable payment account identifier is mathematically derived from the primary account identifier. 
     
     
         33 . The method of  claim 28 , wherein the token requestor computer is a mobile device operated by a user. 
     
     
         34 . A computer comprising:
 a processor; and   a non-transitory computer readable medium comprising code, executable by the processor for implementing a method comprising:   receiving a request comprising a primary account identifier from a token requestor computer,   determining a transactable payment token and a non-transactable payment account identifier associated with the primary account identifier; and   transmitting the transactable payment token and the non-transactable payment account identifier to the token requestor computer.   
     
     
         35 . The computer of  claim 34 , wherein the non-transactable payment account identifier is static over time and over any number of transactions. 
     
     
         36 . The computer of  claim 34 , wherein the non-transactable payment account identifier is formatted as a primary account number. 
     
     
         37 . The computer of  claim 34 , wherein the method further comprises:
 associating and storing the primary account identifier and the non-transactable payment account identifier in a database.   
     
     
         38 . The computer of  claim 34 , wherein the non-transactable payment account identifier is mathematically derived from the primary account identifier. 
     
     
         39 . The method of  claim 34 , wherein the token requestor computer is a mobile device operated by a user.