| 摘要 |
A system (20), apparatus, and method for providing and using a payment account or payment device identifier when conducting a transaction. The bank identification number (BIN) is decoupled from the primary account number (PAN) or other form of device identifier when generating (402) the payment account or payment device identifier. The payment account or payment device identifier is used to access (414) information regarding the issuer, with that information being used to route (416) a transaction authorization request message to the appropriate entity. P045888D1/10298654 |
