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US 8,712,889 B2Granted
Alterable account number
AssigneeVisa International Service Association
InventorsVikram Modi, Shantnu Singh, Bob Joubert, Kenneth Cheng, Mennie Co So
Life of this patent
Estimating the term…
Abstract
Embodiments of the invention are directed to apparatuses, systems, and methods that allow for personalized data to be embedded in a primary account number associated with a consumer device. In one embodiment, a consumer device comprises a body and personalized data embedded into a primary account number, associated with the body. The primary account number includes a bank identification number and the bank identification number and the personalized data overlap.
Claims16
A system comprising:
- a consumer device comprising:
- a body;
- and
- personalized data embedded into a primary account number, associated with the body, wherein the primary account number includes a type-length-value element;
- and
- a server computer comprising a processor and a computer readable medium, the computer readable medium comprising instructions for:
- receiving an authorization request message that contains the primary account number with the embedded personalized data and the type-length-value element;
- determining, using the type-length-value element, what data is included in the personalized data;
- and
- comparing the data against at least one security element for authentication;
- wherein the type-length-value element includes a type field wherein the type field is a value denoting a data type.
8 more elements
A system comprising:
- a consumer device comprising:
- a body;
- and
- personalized data embedded into a primary account number, associated with the body, wherein the primary account number includes a type-length-value element;
- and
- a server computer comprising a processor and a computer readable medium, the computer readable medium comprising instructions for:
- receiving an authorization request message that contains the primary account number with the embedded personalized data and the type-length-value element;
- determining, using the type-length-value element, what data is included in the personalized data;
- and
- comparing the data against at least one security element for authentication;
- wherein the type-length-value element includes a length field wherein the length field is the length of the personalized data embedded into the primary account number.
8 more elements
Dependencies are inferred from the claim text.