초록

A method for using a secondary PAN is disclosed. The method includes providing a secondary PAN associated with a primary PAN, where the secondary PAN has at least one end portion that is the same as the primary PAN, but has a middle portion of that is different than the primary PAN.

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What is claimed is: 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 b

What is claimed is: 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. 2. The method of claim 1, wherein the primary PAN is associated with a portable consumer device, and wherein the method is performed by an issuer or a payment processing network. 3. A computer readable storage medium having a computer readable code embodied therein, said computer readable code when executed by a processor causes the processor to perform a method comprising: receiving an authorization request message associated with a transaction, the authorization request message including a secondary PAN associated with a primary PAN comprising a primary PAN first end portion consisting of a 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 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 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 from a location in the authorization request message other than the PAN field; analyzing the primary PAN; and sending an authorization response message, 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. 4. The computer readable medium of claim 3 wherein the method further comprises identifying the bank identification number and routing the authorization request message based on the bank identification number. 5. A server comprising: a processor; and a computer readable storage medium coupled to the processor, the computer readable storage medium comprising code, that when executed by the processor, causes the processor to perform a method comprising receiving an authorization request message associated with a transaction, the authorization request message including a secondary PAN associated with a primary PAN comprising a primary PAN first end portion consisting of a 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 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 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 determining that the secondary PAN comprises the at least three digits that are identical, obtaining the primary PAN from a location in the authorization request message other than the PAN field; analyzing the primary PAN; and sending an authorization response message, 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. 6. The method of claim 1, wherein the secondary PAN middle portion comprises encrypted digits. 7. The method of claim 6, wherein the encrypted digits are dynamically generated. 8. The method of claim 1, wherein the secondary PAN middle portion comprises a number that will cause the secondary PAN to produce a checksum value that is the same as that produced by the primary PAN. 9. The computer readable medium of claim 3, wherein the secondary PAN middle portion comprises an encrypted portion. 10. The computer readable medium of claim 9, wherein the encrypted portion is generated dynamically. 11. The computer readable medium of claim 9, wherein the encrypted portion is statically stored on a portable consumer device. 12. The computer readable medium of claim 3, wherein the secondary PAN middle portion comprises a number that will cause the secondary PAN to produce a checksum value that is the same as that produced by the primary PAN. 13. The method of claim 1 wherein the secondary PAN consists of the secondary PAN first end portion, the secondary PAN second end portion, and the secondary PAN middle portion. 14. The method of claim 13 wherein the secondary PAN middle portion has digits that are all identical. 15. The method of claim 13 wherein the secondary PAN middle portion has digits that are all identical, except for one digit which causes the secondary PAN to produce the same checksum value as the primary PAN. 16. The method of claim 1 wherein the authorization request message comprises an expiration date field, a service code field, and a card verification value. 17. The computer readable medium of claim 3 wherein the authorization request message comprises an expiration date field, a service code field, and a card verification value. 18. The method of claim 1 further comprising: sending a re-formatted authorization request message to an issuer, wherein the re-formatted authorization request message comprises the primary PAN. 19. The method of claim 18 wherein the secondary PAN middle portion has digits that are all identical, except for one digit which causes the secondary PAN to produce the same checksum value as the primary PAN. 20. The method of claim 19 further comprising, receiving, by an access device, the primary PAN, wherein the authorization request message is received at the server computer from the access device that generates the authorization request message comprising the secondary PAN after the access device receives the primary PAN. 21. The method of claim 1 further comprising, receiving, by an access device, the primary PAN, wherein the authorization request message is received at the server computer from the access device that generates the authorization request message comprising the secondary PAN after the access device receives the primary PAN. 22. The method of claim 1 wherein the secondary PAN middle portion comprises a number that will cause the secondary PAN to produce a checksum value that is the same as that produced by the primary PAN, and wherein the method further comprises: performing checksum calculations by the server computer on the primary PAN and the secondary PAN, wherein the calculated checksum values calculated for the primary and secondary PANs are the same.