SYSTEMS AND METHODS FOR MAPPING A MOBILE CLOUD ACCOUNT TO A PAYMENT ACCOUNT

SYSTEMS AND METHODS FOR MAPPING A MOBILE CLOUD ACCOUNT TO A PAYMENT ACCOUNT

A method for processing a financial transaction using a mobile cloud account mapped to a payment account includes: storing, in a mapping database, a plurality of mapping records, each mapping record including a master key identifier, a mobile cloud account number (MCA), and a real card account numbe...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: MWANGI, John M, SHEPPARD, Christina E, SMITH, Theresa L
Format: Patent
Sprache:eng ; fre ; ger
Schlagworte:
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:A method for processing a financial transaction using a mobile cloud account mapped to a payment account includes: storing, in a mapping database, a plurality of mapping records, each mapping record including a master key identifier, a mobile cloud account number (MCA), and a real card account number (RCA), the MCA being based on attributes of the RCA; receiving transaction data related to a financial transaction, wherein the transaction data includes at least an MCA and a payment cryptogram; validating, by a validation device, the payment cryptogram; identifying, in the mapping database, a specific mapping record, wherein the specific mapping record includes the MCA included in the received transaction data; and transmitting at least the RCA included in the specific mapping record and a validation result indicating a success or failure of the validation of the payment cryptogram.