Limiting access to account information during a radio frequency transaction

A system, comprising:

• an issuer computer comprising a processor and memory communicatively coupled to the processor storing instructions that in response to being executed, cause the processor of the issuer computer to perform operations comprising:
• generating a secondary transaction code (STC), wherein the generating the STC comprises:
• generating a random number,
• determining whether the random number is available for use, and
• in response to a determination that the random number is available for use, appending a product identifier number to the available random number such that the STC has a format equivalent to a transaction account code format;
• associating the STC to a transaction account code,
• issuing a transaction account associated with the STC and an available account balance, and
• assigning the STC to an RF transaction device;
• a merchant computer comprising a processor and memory communicatively coupled to the processor storing instructions that in response to being executed, cause the processor of the merchant computer to perform operations comprising:
• communicating an RF transaction authorization request to the issuer computer, wherein the RF transaction authorization request includes a request that the issuer computer return to the merchant computer the STC associated with the transaction account code,
• receiving an authorization record from the issuer computer in response to the RF transaction authorization request, wherein the authorization record includes the STC, and
• storing a transaction record of the RF transaction, wherein the transaction record includes the STC.

A non-transitory computer-readable medium having stored thereon computer-executable instructions that, in response to execution by one or more computing devices, cause the one or more computing devices to perform operations comprising:

• generating, by an issuer computer, a secondary transaction code (STC), wherein the generating the STC comprises:
• generating a random number,
• determining whether the random number is available for use, and in response to a determination that the random number is available for use, appending a product identifier number to the available random number such that the STC has a format equivalent to a transaction account code format;
• associating, by the issuer computer, the STC to a transaction account code;
• issuing, by a the issuer computer, a transaction account associated with the STC and an available account balance;
• assigning, by the issuer computer, the STC to an RF transaction device;
• submitting an RF transaction authorization request from a merchant computer to the issuer computer, wherein the RF transaction authorization request includes a request that the issuer computer return to the merchant computer the STC associated with the transaction account code;
• receiving, by the merchant computer, an authorization record from the issuer computer in response to the RF transaction authorization request, wherein the authorization record includes the STC;
• and
• storing a transaction record of the RF transaction in a merchant database, wherein the transaction record includes the STC.

A method, comprising:

• generating, by an issuer computer, a secondary transaction code (STC), wherein the generating the STC comprises:
• generating a random number,
• determining whether the random number is available for use, and
• in response to a determination that the random number is available for use, appending a product identifier number to the available random number such that the STC has a format equivalent to a transaction account code format;
• associating, by the issuer computer, the STC to a transaction account code;
• receiving, by the issuer computer, a radio frequency (RF) transaction authorization request from a merchant computer, wherein the RF transaction authorization request includes a request that the issuer computer return to the merchant computer the STC associated with a transaction account code assigned to an RF transaction device by the issuer computer;
• issuing, by the issuer computer, a transaction account associated with the STC and with an available account balance;
• transmitting an authorization record from the issuer computer to the merchant computer in response to the issuer computer authorizing the RF transaction, wherein the authorization record includes the STC;
• submitting the RF transaction for processing in response to the transmitting the authorization record from the issuer computer to the merchant computer;
• and
• storing a transaction record of the RF transaction in a merchant database, wherein the transaction record includes the STC.