Processing transactions of different payment devices of the same issuer account

摘要

Each portable payment device associated with a single account within a payment processing system is distinguished using track data. The track data from the portable payment device is read at each of a plurality of merchant point of sale terminals (POS). Rather than relying on the PAN alone, a merchant may utilizes the track data, or a proxy thereof, as the unique identifier for the portable payment device. The merchant may then process transactions involving the portable payment device based on the unique identifier. For example, in the transit environment the transit fare for each rider with different portable payment devices but the same account can be calculated using the unique identifier, such as the full track data read from both tracks of the corresponding portable payment devices.

主权项

1. A system for processing transactions, comprising:
at least one computer processor; and at least one computer-readable medium storing computer-executable instructions that, when executed with the at least one computer processor, cause the system to, at least:
receive data read from a data storage region of a payment device that includes (i) a primary account number (PAN) comprising an identifier of the issuer and an identifier of a consumer account usable to conduct transactions with a plurality of merchants and (ii) a payment device distinguishing code distinct from the PAN uniquely identifying the payment device with respect to the PAN among a plurality of payment devices that are associated with the PAN;determine a globally unique identifier (GUID) of the payment device based at least in part on both the PAN and the payment device distinguishing code read from the data storage region of the payment device; andmake a determination with respect to fraud based at least in part on the GUID, wherein a plurality of GUIDs are associated with a same PAN and the determination with respect to fraud is different for different GUIDs of the plurality of GUIDs associated with the same PAN.