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US 2011/0238576 A1Published application
Account permanence
AssigneeVisa U.S.A. Inc.
InventorBarbara Patterson
Life of this patent
Estimating the term…
Abstract
A system and method for using derived account identifiers. The derived account identifiers are associated with a single permanent account identifier. Each derived account identifier is associated with a communication channel or portable consumer device.
Claims19
-23. (canceled)
A method comprising:
- creating, using a server computer, a plurality of derived account identifiers, wherein each derived account identifier is derived from a permanent account identifier associated with a consumer, wherein the plurality of derived account identifiers includes a first derived account identifier usable with a first payment mechanism, the first payment mechanism comprising a physical device, wherein the plurality of derived account identifiers further includes a second derived account identifier usable with a second payment mechanism, further wherein the first derived account identifier is not usable with the second payment mechanism and the second derived account identifier is not usable with the first payment mechanism;
- and
- providing the plurality of derived account identifiers to the consumer.
A server computer comprising a processor and a computer readable medium comprising code executable by the processor to implement a method, the method comprising:
- creating a plurality of derived account identifiers, wherein each derived account identifier is derived from a permanent account identifier associated with a consumer, wherein the plurality of derived account identifiers includes a first derived account identifier usable with a first payment mechanism, the first payment mechanism comprising a physical device, wherein the plurality of derived account identifiers further includes a second derived account identifier usable with a second payment mechanism, further wherein the first derived account identifier is not usable with the second payment mechanism and the second derived account identifier is not usable with the first payment mechanism;
- and
- providing the plurality of derived account identifiers to the consumer.
A method comprising:
- using a first derived account identifier usable with a first payment mechanism in a first transaction, the first payment mechanism;
- and
- using a second derived account identifier usable with a second payment mechanism in a second transaction, wherein the first derived account identifier is not usable with the second payment mechanism and the second derived account identifier is not usable with the first payment mechanism, and further wherein the first and second derived account identifiers are derived from a permanent account identifier associated with a consumer.
A method comprising:
- receiving an authorization request message comprising a derived account identifier, wherein the derived account identifier is usable with a payment mechanism, the payment mechanism comprising a physical device, further wherein the derived account identifier is associated with a permanent account identifier;
- determining the permanent account identifier associated with the derived account identifier;
- and
- forwarding the authorization request message to an issuer using the permanent account identifier.
1 more element
A server computer comprising a processor, and a computer readable medium comprising code executable by the processor to implement a method, the method comprising:
- receiving an authorization request message comprising a derived account identifier, wherein the derived account identifier is usable with a payment mechanism, the payment mechanism comprising a physical device, and wherein the derived account identifier is associated with a permanent account identifier;
- determining the permanent account identifier associated with the derived account identifier;
- and
- forwarding the authorization request message to an issuer using the permanent account identifier.
1 more element
Dependencies are inferred from the claim text.