SYSTEM AND METHOD FOR USING AN ACCOUNT SEQUENCE IDENTIFIER

• US 20140330722A1
• Filed: 05/02/2014
• Published: 11/06/2014
• Est. Priority Date: 05/02/2013
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Prasanna Laxminarayanan
• Inventors: Laxminarayanan, Prasanna, Sheets, Jose F., Powell, Glenn L.
• Application Number:
  US14/268,842
• Publication Number:
  US 20140330722A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: H04M 2203/053 remote terminal provisioning, e.g. of applets

Abstract

Embodiments of the invention provide for facilitating a transaction using a communication device associated with a user. Certain embodiments allow for provisioning a communication device for use with an enhanced primary account identifier. The enhanced primary account identifier includes a primary account identifier (PAI) and a primary account identifier sequence number (PSI). The PSI is unique to the communication device and may be de-provisioned if the communication device is lost or stolen. A replacement communication device may be provisioned for use with a newly gemerated unique PSI without having to generate a new PAI.

Claims

1. A method for facilitating a transaction using a communication device associated with a user, the method comprising:

during the transaction, receiving, at a server computer, an authorization request comprising an enhanced primary account identifier (PAI), the enhanced PAI comprising a PAI associated with the user and a PAI sequence identifier (PSI), wherein the PSI is unique to the communication device;

authorizing the transaction based at least in part on the PSI; and

transmitting at least the PAI to an issuer for authorization of the transaction.

2. The method of claim 1, further comprising:

receiving, at the server computer, a request to associate the communication device with the PAI;

generating, via the server computer, an enhanced PAI comprising the PAI and a PAI sequence identifier (PSI), wherein the PSI is unique to the communication device; and

provisioning, via the server computer, the communication device for use with the enhanced PAI.

3. The method of claim 2, further comprising:

prior to provisioning the communication device for use with the enhanced PAI, verifying an identity of the user of the communication device with the issuer via a secure verification protocol.

4. The method of claim 1, further comprising:

determining, via the server computer, that the authorization request is for a transaction initiated by the communication device based at least in part on the PSI.

5. The method of claim 1, wherein the communication device is a first communication device, the enhanced PAI is a first enhanced PAI, and the PSI is a first PSI, the method further comprising:

generating, via the server computer, a second enhanced PAI comprising the PAI and a second PSI, wherein the second PSI is unique to a second communication device and is different than the first PSI; and

provisioning, via the server computer, the second communication device for use with the second enhanced PAI.

6. The method of claim 5, further comprising:

upon a request from the user of the first communication device, de-provisioning, via the server computer, the first communication device for use with the first enhanced PAI.

7. The method of claim 5, wherein the user of the first communication device provisioned with the first enhanced PAI is a first user of an account associated with the PAI, and the second communication device provisioned with the second enhanced PAI is associated with a second user of the same account associated with the PAI.

8. The method of claim 1, wherein the transaction is a first transaction, and the authorization request is a first authorization request, the method further comprising:

receiving, at the server computer, a second authorization request for a second transaction, the second authorization request comprising an enhanced PAI comprising the PAI and a PSI unique to a payment card; and

denying the second transaction if the second authorization request comprising the PSI unique to the payment card was initiated by the communication device.

9. The method of claim 8, wherein the enhanced PAI comprising the PSI unique to the communication device and the enhanced PAI comprising a PSI unique to the payment card are both associated with the same user of an account associated with the PAI.

10. The method of claim 8, wherein the PSI unique to the communication device is selected from a first set of PSIs dedicated for use with communication devices, and the PSI unique to the payment card is selected from a second set of PSIs dedicated for use with payment cards.

11. A server computer, comprising:

a processor; and

a non-transitory computer-readable storage medium, comprising code executable by the processor for implementing a method for facilitating a transaction using a communication device associated with a user, the method comprising;

during the transaction, receiving, at the server computer, an authorization request comprising an enhanced primary account identifier (PAI), the enhanced PAI comprising a PAI associated with the user and a PAI sequence identifier (PSI), wherein the PSI is unique to the communication device;

authorizing the transaction based at least in part on the PSI; and

transmitting at least the PAI to an issuer for authorization of the transaction.

12. The server computer of claim 11, wherein the method further comprises:

receiving, at the server computer, a request to associate the communication device with the PAI;

generating, via the server computer, an enhanced PAI comprising the PAI and a PAI sequence identifier (PSI), wherein the PSI is unique to the communication device; and

provisioning, via the server computer, the communication device for use with the enhanced PAI.

13. The server computer of claim 12, wherein the method further comprises:

prior to provisioning the communication device for use with the enhanced PAI, verifying an identity of the user of the communication device with the issuer via a secure verification protocol.

14. The server computer of claim 11, wherein the method further comprises:

determining, via the server computer, that the authorization request is for a transaction initiated by the communication device based at least in part on the PSI.

15. The server computer of claim 11, wherein the communication device is a first communication device, the enhanced PAI is a first enhanced PAI, and the PSI is a first PSI, the method further comprising:

generating, via the server computer, a second enhanced PAI comprising the PAI and a second PSI, wherein the second PSI is unique to a second communication device and is different than the first PSI; and

provisioning, via the server computer, the second communication device for use with the second enhanced PAI.

16. The server computer of claim 15, wherein the method further comprises:

upon a request from the user of the first communication device, de-provisioning, via the server computer, the first communication device for use with the first enhanced PAI.

17. The server computer of claim 15, wherein the user of the first communication device provisioned with the first enhanced PAI is a first user of an account associated with the PAI, and the second communication device provisioned with the second enhanced PAI is associated with a second user of the same account associated with the PAI.

18. The server computer of claim 11, wherein the transaction is a first transaction, and the authorization request is a first authorization request, the method further comprising:

receiving, at the server computer, a second authorization request for a second transaction, the second authorization request comprising an enhanced PAI comprising the PAI and a PSI unique to a payment card; and

denying the second transaction if the second authorization request comprising the PSI unique to the payment card was initiated by the communication device.

19. The server computer of claim 18, wherein the enhanced PAI comprising the PSI unique to the communication device and the enhanced PAI comprising a PSI unique to the payment card are both associated with the same user of an account associated with the PAI.

20. The server computer of claim 18, wherein the PSI unique to the communication device is selected from a first set of PSIs dedicated for use with communication devices, and the PSI unique to the payment card is selected from a second set of PSIs dedicated for use with payment cards.

21. A method for facilitating a transaction, the method comprising:

during the transaction, transmitting, via a communication device associated with a user, an authorization request comprising an enhanced primary account identifier (PAI), the enhanced PAI comprising a PAI associated with the user and a PAI sequence identifier (PSI), wherein the PSI is unique to the communication device; and

receiving, via the communication device, an authorization response message, wherein the authorization response message is indicative of whether the transaction is authorized based at least in part on the PSI.