Account permanence
First Claim
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1. A method comprising:
- receiving, by a computer, a first authorization request message for a first transaction comprising a first derived account identifier from an access device, the first derived account identifier being one of a plurality of derived account identifiers associated with different payment mechanisms, wherein the first derived account identifier is associated with a permanent account identifier, wherein the first derived account identifier can only be used with a first payment mechanism;
determining, by the computer and during the first transaction, that the first derived account identifier is being used with the first payment mechanism and not with another type of payment mechanism;
in response to determining that the first derived account identifier is being used with the first payment mechanism, accessing, by the computer, a database of derived and permanent account identifiers to identify the permanent account identifier associated with the first derived account identifier;
exchanging, by the computer, the first derived account identifier in the first authorization request message with the permanent account identifier in the first authorization request message;
forwarding, by the computer and during the first transaction, the first authorization request message including the permanent account identifier to an issuer for approval;
receiving, by the computer, a second authorization request message for a second transaction comprising a second derived account identifier from a mobile phone, the second derived account identifier being one of a plurality of derived account identifiers associated with different payment mechanisms, wherein the second derived account identifier is associated with the permanent account identifier, wherein the second derived account identifier can only be used with a second payment mechanism;
determining, by the computer and during the second transaction, that the second derived account identifier is being used with the second payment mechanism and not with another type of payment mechanism;
in response to determining that the second derived account identifier is being used with the second payment mechanism, accessing, by the computer, the database of derived and permanent account identifiers to identify the permanent account identifier associated with the second derived account identifier;
exchanging, by the computer, the second derived account identifier in the second authorization request message with the permanent account identifier in the second authorization request message; and
forwarding, by the computer and during the second transaction, the second authorization request message including the permanent account identifier to the issuer for approval.
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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.
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Citations
20 Claims
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1. A method comprising:
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receiving, by a computer, a first authorization request message for a first transaction comprising a first derived account identifier from an access device, the first derived account identifier being one of a plurality of derived account identifiers associated with different payment mechanisms, wherein the first derived account identifier is associated with a permanent account identifier, wherein the first derived account identifier can only be used with a first payment mechanism; determining, by the computer and during the first transaction, that the first derived account identifier is being used with the first payment mechanism and not with another type of payment mechanism; in response to determining that the first derived account identifier is being used with the first payment mechanism, accessing, by the computer, a database of derived and permanent account identifiers to identify the permanent account identifier associated with the first derived account identifier; exchanging, by the computer, the first derived account identifier in the first authorization request message with the permanent account identifier in the first authorization request message; forwarding, by the computer and during the first transaction, the first authorization request message including the permanent account identifier to an issuer for approval; receiving, by the computer, a second authorization request message for a second transaction comprising a second derived account identifier from a mobile phone, the second derived account identifier being one of a plurality of derived account identifiers associated with different payment mechanisms, wherein the second derived account identifier is associated with the permanent account identifier, wherein the second derived account identifier can only be used with a second payment mechanism; determining, by the computer and during the second transaction, that the second derived account identifier is being used with the second payment mechanism and not with another type of payment mechanism; in response to determining that the second derived account identifier is being used with the second payment mechanism, accessing, by the computer, the database of derived and permanent account identifiers to identify the permanent account identifier associated with the second derived account identifier; exchanging, by the computer, the second derived account identifier in the second authorization request message with the permanent account identifier in the second authorization request message; and forwarding, by the computer and during the second transaction, the second authorization request message including the permanent account identifier to the issuer for approval. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A computer comprising:
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a processor; and a computer readable medium, the computer readable medium comprising code, executable by the processor, for implementing a method comprising; receiving, by the computer, a first authorization request message for a first transaction comprising a first derived account identifier from an access device, the first derived account identifier being one of a plurality of derived account identifiers associated with different payment mechanisms, wherein the first derived account identifier is associated with a permanent account identifier, wherein the first derived account identifier can only be used with a first payment mechanism; determining, by the computer and during the first transaction, that the first derived account identifier is being used with the first payment mechanism and not with another type of payment mechanism; in response to determining that the first derived account identifier is being used with the first payment mechanism, accessing, by the computer, a database of derived and permanent account identifiers to identify the permanent account identifier associated with the first derived account identifier; exchanging, by the computer, the first derived account identifier in the first authorization request message with the permanent account identifier in the first authorization request message; forwarding, by the computer and during the first transaction, the first authorization request message including the permanent account identifier to an issuer for approval; receiving, by the computer, a second authorization request message for a second transaction comprising a second derived account identifier from a mobile phone, the second derived account identifier being one of a plurality of derived account identifiers associated with different payment mechanisms, wherein the second derived account identifier is associated with the permanent account identifier, wherein the second derived account identifier can only be used with a second payment mechanism; determining, by the computer and during the second transaction, that the second derived account identifier is being used with the second payment mechanism and not with another type of payment mechanism; in response to determining that the second derived account identifier is being used with the second payment mechanism, accessing, by the computer, the database of derived and permanent account identifiers to identify the permanent account identifier associated with the second derived account identifier; exchanging, by the computer, the second derived account identifier in the second authorization request message with the permanent account identifier in the second authorization request message; and forwarding, by the computer and during the second transaction, the second authorization request message including the permanent account identifier to the issuer for approval. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification