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(Googler, I work on payments. opinions are my own) Google Pay and Apple Pay sort of already do this. When you use tap&pay from your device, you're paying wit
by kyrra 6y ago
(Googler, I work on payments. opinions are my own)
Google Pay and Apple Pay sort of already do this. When you use tap&pay from your device, you're paying with a DPAN (device/digital primary account number), which was generated when you add the card to your phone (the number on your card itself is the FPAN (f = funding)). You can see the last-4 for this card within the App or when you pay at a store the the receipt shows you your last-4 of your card (it'll be different than your normal card.
I feel like the networks don't want new PANs per transaction, so you can get new ones, but the address space may not be large enough to high card # turnover.
- GoblinSlayer 6y agoWhat's the point of unique number? Just push everything through one card, like NAT.
- lotsofpulp 6y agoWhen you do refunds, you want to make sure it’s going back to the same account via the same payment method. Otherwise, you’re opening yourself up to avenues of fraud. Also helps merchants who offer refunds without receipts, as they can ensure the item was purchased from them at some point in the recent past.