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Method and Apparatus for Establishing and Maintaining PCI DSS Compliant Transaction Flows for Banking Entities Leveraging Non-EMV Tokens
Method and Apparatus for Establishing and Maintaining PCI DSS Compliant Transaction Flows for Banking Entities Leveraging Non-EMV Tokens
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机译:用于建立和维护利用非EMV令牌的银行实体的PCI DSS兼容交易流的方法和设备
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摘要
A payment processor or network receives an incoming PAN pursuant to a payment card transaction between a merchant and a customer and translates the PAN into a token having a token value for N digits within a middle portion of the PAN, while preserving a PAN value for M digits within a terminal portion of the PAN. Pursuant to generation of the token, the payment processor or network performs BIN substitution on the PAN to replace the BIN within the PAN with a different BIN. The payment processor or network sends the token downstream for downstream processing of the transaction. Upon completion of downstream processing, the payment processor or network translates the token back into a PAN for any further processing of the transaction upstream.
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