← USPTO Patent Applications

SENSITIVE DATA PROTECTION

Application US20260080401A1 Kind: A1 Mar 19, 2026

Assignee

Visa International Service Association

Inventors

Brendan Xavier Louis, Glenn Leon Powell, Geoffrey Brookman

Abstract

A computer-implemented method for generating a non-payment referent associated with payment data related to a payment account is disclosed. The computer-implemented method includes receiving, by a payment network, a message from an issuer, wherein the message includes payment data relating to a payment account, wherein the payment data is used as a payment instrument; generating, by the payment network, a non-payment referent associated with the payment data based on the payment network receiving the payment data for a first time, wherein the non-payment referent is not a payment instrument; and sending, by the payment network, a correlation message to the issuer, wherein the correlation message includes the payment data and the non-payment referent, and wherein the correlation message is configured to inform the issuer that the non-payment referent is associated with the payment data.

CPC Classifications

G06Q 20/40 G06Q 20/382

Filing Date

2024-09-25

Application No.

18896066