Universal Recognition Platform

摘要

A platform for universal recognition (UR) is described. A consumer has one or more UR numbers, each of which is uniquely recognizable within the UR platform. During a transaction with a merchant, the consumer uses a non-payment token that presents a UR number or uses a payment token that presents a payment number associated with a UR number. A membership identifier used to recognize the consumer within a membership program of the merchant is retrieved and routed to the merchant. Each UR number begins with a six-digit Issuer Identification Number (IIN) which identifies the UR platform from which the UR number was issued.

主权项

1. A computer-implemented universal recognition and routing system comprising:
a database storing a universal recognition number that begins with a particular Issuer Identification Number (IIN) and storing, linked to the universal recognition number, a membership identifier that identifies a particular consumer in a particular membership program; a communication interface via which data messages can be received and sent; and a switching subsystem coupled to the database, wherein, responsive to receiving via the communication interface a receipt data message that includes, at a minimum, the universal recognition number and an indication of the particular membership program, the switching subsystem is operative:
to retrieve the membership identifier from the database;to generate a response data message that includes, at a minimum, the membership identifier retrieved from the database; andto send the response data message, via the communication interface, to a merchant or to a membership system operating the particular membership program.