Mastercard Incorporated
PERSONALLY IDENTIFIABLE INFORMATION SECURE PERSON-TO-PERSON PAYMENT TECHNOLOGY

Abstract:

Through the described PII secure P2P payment technology, a P2P payment can be made using a token PAN, allowing for a single product to be used for contactless, e-commerce, and P2P payments. When an account or payment card is digitized using an enhanced processing platform, a token PAN is issued which can be used for P2P payments. The token PAN allows for a P2P payment to made without sharing PII data. The platform can receive, from a sender AHI system, a P2P transfer advice request comprising at least a sender token PAN and a receiver token PAN. The platform can identify from a token vault a sender account number using the sender token PAN and a receiver account number using the receiver token PAN. The platform can communicate, to the sender AHI system, an account authorization message comprising at least the sender account number and the receiver account number.