SYSTEM AND METHOD FOR SECURED ACCOUNT NUMBERS IN PROXIMITY DEVICES
First Claim
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1. A method comprising:
- receiving, by a server computer associated with a payment processing network, an authorization request message for a transaction, the authorization request message including a secured account number, wherein the secured account number is associated with a real account number, and the secured account number and the real account number are associated with the same account;
determining, by the server computer, whether the authorization request message is associated with a proximity transaction,authorizing the transaction when the authorization request message is associated with a proximity transaction; and
denying the transaction when the authorization request message is not associated with a proximity transaction.
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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.
159 Citations
20 Claims
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1. A method comprising:
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receiving, by a server computer associated with a payment processing network, an authorization request message for a transaction, the authorization request message including a secured account number, wherein the secured account number is associated with a real account number, and the secured account number and the real account number are associated with the same account; determining, by the server computer, whether the authorization request message is associated with a proximity transaction, authorizing the transaction when the authorization request message is associated with a proximity transaction; and denying the transaction when the authorization request message is not associated with a proximity transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method comprising:
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receiving, by a server computer associated with a payment processing network, an authorization request message for a transaction, the authorization request message including a secured account number, wherein the secured account number is associated with a real account number, and the secured account number and the real account number are associated with the same account; determining, by the server computer, whether the authorization request message is associated with a proximity transaction, routing, by the server computer, the authorization request message to an issuer. - View Dependent Claims (13, 14)
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15. A payment processing device associated with a payment processing network, the payment processing device comprising:
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a processor; and a computer readable storage memory storing code, which when executed by the processor, causes the payment processing device to; receive an authorization request message for a transaction, the authorization request message including a secured account number, wherein the secured account number is associated with a real account number, and the secured account number and the real account number are associated with the same account; determine whether the authorization request message is associated with a proximity transaction; authorize the transaction when the authorization request message is associated with a proximity transaction; and deny the transaction when the authorization request message is not associated with a proximity transaction. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification