Portable account number for consumer payment account
AssigneeVisa International Service Association
InventorShantnu Singh
Life of this patent
Estimating the term…
Abstract
A payment device for conducting a transaction is provided. The payment device includes a device substrate, a payment device identifier visibly located on the device substrate, and a data storage region contained on or within the payment device. The payment device identifier does not include information identifying an issuer for the payment device. The data storage region comprises a first data storage sub region containing data corresponding to the payment device identifier, and a second data storage sub region electronically isolated from the first data storage sub region and containing data identifying the issuer of the payment device.
Claims20
An apparatus for processing a transaction, comprising:
- an electronic processor programmed to execute a set of instructions which, when executed by the processor, cause the apparatus to process the transaction by:
- receiving, from a point of sale terminal, an authorization request message for the transaction comprising an account identifier data string and an issuer identifier data string, the account identifier data string identifying an account used to conduct the transaction but not including information identifying an issuer for the account, and the issuer identifier data string being separate from the account identifier data string and identifying the issuer for the account;
- determining the issuer for the account based on the issuer identifier data string;
- and
- routing the authorization request message to the issuer using the issuer identifier data string.
A method for processing a transaction, comprising:
- receiving, by a server computer from a point of sale terminal, an authorization request message for the transaction comprising an account identifier data string and an issuer identifier data string, the account identifier data string identifying an account used to conduct the transaction but not including information identifying an issuer for the account, and the issuer identifier data string being separate from the account identifier data string and identifying the issuer for the account;
- determining, by the server computer, the issuer for the account based on the issuer identifier data string;
- and
- routing, by the server computer, the authorization request message to the issuer using the issuer identifier data string.
A non-transitory computer-readable medium storing instructions which, when executed by a processor, cause performance of a method of processing a transaction, the method comprising:
- receiving, from a point of sale terminal, an authorization request message for the transaction comprising an account identifier data string and an issuer identifier data string, the account identifier data string identifying an account used to conduct the transaction but not including information identifying an issuer for the account, and the issuer identifier data string being separate from the account identifier data string and identifying the issuer for the account;
- determining the issuer for the account based on the issuer identifier data string;
- and
- routing the authorization request message to the issuer using the issuer identifier data string.
Dependencies are inferred from the claim text.