Mastercard Incorporated
Systems and methods of processing payment transactions using one-time tokens

Abstract:

Disclosed are exemplary embodiments of systems and methods for processing payment transaction using pseudo-PAN. In an exemplary embodiment, a method generally includes generating an encryption salt, receiving a request from a consumer indicating a possible payment transaction, in response to the request, generating a one-time token, based on the actual payment information and a most recent generated encryption salt, the one-time token having the same format as the payment information, with a routing segment of the one-time token being identical to a routing segment of the payment information, and presenting the one-time token.