ALTERABLE ACCOUNT NUMBER

• US 20100287085A1
• Filed: 01/06/2010
• Published: 11/11/2010
• Est. Priority Date: 05/11/2009
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Modi, Vikram, So, Mennie Co, Joubert, Bob, Cheng, Kenneth, Singh, Shantnu
• Granted Patent: US 8,712,889 B2
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/347 Passive cards
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02

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.

Claims

1. 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 bank identification number and wherein the bank identification number and the personalized data overlap.

2. The consumer device of claim 1 wherein the consumer device is a credit card, debit card, or stored value card.

3. The consumer device of claim 1 wherein the personalized data is a phone number, date, name, short message, zip code, national service number, address, a word translated into numbers, an employee identification number, a government identification number, a social security number, or a tax file number.

4. The consumer device of claim 1 wherein the body is a plastic sheet.

5. 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.

6. The consumer device of claim 5 wherein the type-length-value element includes a type field wherein the type field is a value denoting a data type.

7. The consumer device of claim 5 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. The consumer device of claim 5 wherein the consumer device is a credit card, debit card, or stored value card.

9. The consumer device of claim 5 wherein the personalized data is a phone number, date, name, short message, zip code, national service number, address, a word translated into numbers, an employee identification number, a government identification number, a social security number, or a tax file number.

10. The consumer device of claim 5 wherein the body is a plastic sheet.

11. A method comprising:

receiving a request for a personalized primary account number associated with an account wherein the request includes personalized data to be embedded into a primary account number;

determining whether the personalized primary account number is available to be associated with an account; and

approving the personalized primary account number, if the personalized account number is available to be associated with the account, wherein the personalized primary account number includes a bank identification number and wherein the bank identification number and the personalized data overlap.

12. The method of claim 11 wherein the personalized data is a phone number, date, name, short message, zip code, national service number, address, a word translated into numbers, an employee identification number, a government identification number, a social security number, or a tax file number.

13. The method of claim 11 wherein the account is associated with a credit card, debit card, or stored value card.

14. A method comprising:

receiving a request for a personalized primary account number associated with an account wherein the request includes personalized data to be embedded into a primary account number;

determining whether the personalized primary account number is available to be associated with an account; and

approving the personalized primary account number, if the personalized account number is available to be associated with the account, wherein the personalized primary account number includes a type-length-value element.

15. The method of claim 14 wherein the type-length-value element includes a type field wherein the type field is a value denoting a data type.

16. The method of claim 14 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.

17. A computer readable medium comprising:

computer readable program code embodied therein, said computer readable program code adapted to be executed by a processor to implement the method of claim 14.

18. A server computer comprising the processor;

and the computer readable medium of claim 17 coupled to the processor.

19. A method comprising:

receiving an authorization request message wherein the authorization request message contains a personalized primary account number;

determining whether the personalized primary account number contains alpha-numeric values; and

converting the alpha-numeric values to numeric values if the personalized primary account number contains alpha-numeric values.

20. A computer readable medium comprising:

computer readable program code embodied therein, said computer readable program code adapted to be executed by a processor to implement the method of claim 19.

21. A server computer comprising the processor;

and the computer readable medium of claim 20 coupled to the processor.