Patent attributes
Disclosed are exemplary embodiments of systems and methods for processing a payment transaction using a pseudo-PAN. In an exemplary embodiment, a method generally includes periodically generating an encryption salt and receiving an authorization message for a payment transaction to a payment account, where the authorization message includes a token. The method also includes decrypting the token based on an encryption algorithm and the encryption salt most recently generated, prior to receipt of the authorization message, and searching in memory for the decrypted token. The method then includes determining that the decrypted token does not match any of a plurality of actual primary account numbers (PANs) in the memory, whereby the token is determined to not be a pseudo-PAN, and transmitting the authorization message without modification to a computing device associated with one of an acquirer and an issuer of said payment account.
