Alterable account number

• US 8,712,889 B2
• Filed: 01/06/2010
• Issued: 04/29/2014
• 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, Singh, Shantnu, Cheng, Kenneth, So, Mennie Co, Joubert, Bob
• Primary Examiner(s): RANKINS, WILLIAM E
• Application Number:
  US12/683,118
• Publication Number:
  US 20100287085A1
• Time in Patent Office: 1,574 Days
• Field of Search: 235/380, 705/40, 705/64
• 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 system comprising:

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; and

a server computer comprising a processor and a computer readable medium, the computer readable medium comprising instructions for;

receiving an authorization request message that contains the primary account number with the embedded personalized data and the type-length-value element;

determining, using the type-length-value element, what data is included in the personalized data; and

comparing the data against at least one security element for authentication;

wherein the type-length-value element includes a type field wherein the type field is a value denoting a data type.

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

3. The system 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 system of claim 1 wherein the body is a plastic sheet.

5. The system of claim 1 wherein the primary account number includes a bank identification number and wherein the bank identification number and the personalized data overlap by at least one digit.

6. The system of claim 1 wherein the computer readable medium further comprises instructions for:

determining whether an entity associated with the consumer device can only process a numeric primary account number;

based on the determination that the entity associated with the consumer device can only process a numeric primary account number, determining whether the primary account number is an alpha-numeric primary account number;

based on the determination that the primary account number is an alpha-numeric primary account number, converting the primary account number to a numeric value.

7. The system of claim 6 wherein converting the primary account number to a numeric value is done using look-up tables.

8. The system of claim 6 wherein converting the primary account number to a numeric value is done using a conversion algorithm.

9. A system comprising:

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; and

a server computer comprising a processor and a computer readable medium, the computer readable medium comprising instructions for;

receiving an authorization request message that contains the primary account number with the embedded personalized data and the type-length-value element;

determining, using the type-length-value element, what data is included in the personalized data; and

comparing the data against at least one security element for authentication;

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.

10. The system of claim 9 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.

11. The system of claim 9 wherein the consumer device is a credit card, debit card, or stored value card.

12. The system of claim 9 wherein the body is a plastic sheet.

13. The system of claim 9 wherein the primary account number includes a bank identification number and wherein the bank identification number and the personalized data overlap by at least one digit.

14. The system of claim 9 wherein the computer readable medium further comprises instructions for:

determining whether an entity associated with the consumer device can only process a numeric primary account number;

based on the determination that the entity associated with the consumer device can only process a numeric primary account number, determining whether the primary account number is an alpha-numeric primary account number;

based on the determination that the primary account number is an alpha-numeric primary account number, converting the primary account number to a numeric value.

15. The system of claim 14 wherein converting the primary account number to a numeric value is done using look-up tables.

16. The system of claim 14 wherein converting the primary account number to a numeric value is done using a conversion algorithm.