System and method for secured account numbers in proximity devices
First Claim
1. A method comprising:
- receiving an authorization request message, wherein the authorization request message includes a secured account number, wherein the authorization request message originated from a wireless interaction between a portable proximity consumer device including a real account number, a wireless transmission module, and a memory pre-loaded with the secured account number, and a proximity reader device comprising a second wireless transmission module, wherein the secured account number is associated with the real account number, and wherein the secured account number was wirelessly transmitted from the first wireless transmission module in the portable proximity consumer device to the second wireless transmission module in the proximity reader device; and
determining the real account number using the secured account number after receiving the authorization request message including the secured account number.
1 Assignment
0 Petitions
Accused Products
Abstract
A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user'"'"'s real account number, and transmitting the financial transaction request along with the user'"'"'s real account number to the issuer of the user'"'"'s real account number for authorization and processing.
-
Citations
28 Claims
-
1. A method comprising:
-
receiving an authorization request message, wherein the authorization request message includes a secured account number, wherein the authorization request message originated from a wireless interaction between a portable proximity consumer device including a real account number, a wireless transmission module, and a memory pre-loaded with the secured account number, and a proximity reader device comprising a second wireless transmission module, wherein the secured account number is associated with the real account number, and wherein the secured account number was wirelessly transmitted from the first wireless transmission module in the portable proximity consumer device to the second wireless transmission module in the proximity reader device; and
determining the real account number using the secured account number after receiving the authorization request message including the secured account number. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
-
-
11. A portable proximity consumer device for performing contactless transactions, the portable proximity consumer device comprising:
-
a wireless transmission module;
a first memory comprising a secured account number coupled to the first wireless transmission module; and
a second memory wherein the second memory comprising a real account number, wherein the real account number is associated with the secured account number. - View Dependent Claims (12, 13, 14, 15)
-
-
16. A system for performing payment transactions, the system comprising:
a payment processing system capable of converting a secured account number to a user'"'"'s real account number, wherein in response to the payment processing system receiving a transaction authorization request comprising the secured account number, the payment processing system determines the user'"'"'s real account number associated with the secured account number, and verifies that the transaction authorization request was associated with a proximity type of wireless transaction. - View Dependent Claims (17, 18, 19, 20, 21)
-
22. A method of conducting wireless financial transactions, the method comprising:
-
receiving an authorization request message that includes a secured account number and a transaction identifier, wherein the authorization request message originated from a portable consumer device comprising the secured account number and a real account number; and
determining the real account number using the secured account number when the transaction identifier is indicative that the secured account number originated from a wireless transaction with the portable consumer device. - View Dependent Claims (23, 24, 25, 26, 27, 28)
-
Specification