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Note
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titleNote 4:
  • The Registry at the Authoritative Party (or the FI) will need to provide functionality for the user to recover his/her chosen identifier if they forget it. 
This in turn would seem to mandate
  • If this is done at the Registry, it will necessitate an authentication step (user to Registry) which is not otherwise identified in this use case.
  • The Registry will have to pass the final unique identifier to the FI so that the FI can associate account numbers with that Registry entry.

5) FI obtains a "mask" for an RT/ACH bank account number (a.k.a.: "UPIC") and/or a debit card’s Personal Account Number (a.k.a.: “Tokenized PAN”).

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