Alterable account number

• US 8,812,385 B2
• Filed: 12/13/2012
• Issued: 08/19/2014
• 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: Joubert, Bob, Modi, Vikram, Singh, Shantnu, Cheng, Kenneth, So, Mennie Co
• Primary Examiner(s): RANKINS, WILLIAM E
• Application Number:
  US13/714,045
• Publication Number:
  US 20130144787A1
• Time in Patent Office: 614 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 method comprising:

receiving, at a server computer, a request for a personalized primary account number associated with an account that includes personalized data to be embedded into a primary account number;

determining, by the server computer, whether the personalized primary account number is available to be associated with an account;

based on the determination that the personalized primary account number is available to be associated with an account, creating, by the server computer, the personalized primary account number with a bank identification number that overlaps with the personalized data;

approving, by the server computer, the personalized primary account number that includes the bank identification number that overlaps the personalized data; and

delivering the personalized primary account number to a consumer.

2. The method 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.

3. The method of claim 1 wherein the account is associated with a credit card, debit card, or stored value card.

4. A non-transitory 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 1.

5. A server computer comprising the processor;

and the non-transitory computer readable medium of claim 4 coupled to the processor.

6. A method comprising:

receiving, at a server computer, a request for a personalized primary account number associated with an account that includes personalized data to be embedded into a primary account number;

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

based on the determination that the personalized primary account number is available to be associated with an account, creating, by the server computer, the personalized primary account number with the personalized data and a type-length-value element; and

approving, by the server computer, the personalized primary account number that includes the personalized data and the type-length-value element.

7. The method of claim 6 wherein the type-length-value element includes a type field wherein the type field is a value denoting a personalized data type.

8. The method of claim 6 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.

9. A non-transitory 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 6.

10. A server computer comprising the processor;

and the non-transitory computer readable medium of claim 9 coupled to the processor.

11. The method of claim 7 wherein the personalize data type denoted by the type field 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.

12. A method comprising:

receiving, at a server computer, an authorization request message that contains a personalized primary account number comprising a bank identification number that overlaps personalized data;

determining, by the server computer, whether the personalized primary account number contains alpha-numeric values; and

converting, by the server computer, the alpha-numeric values in the personalized account number to numeric values if the personalized primary account number contains alpha-numeric values.

13. A non-transitory 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 12.

14. A server computer comprising the processor;

and the non-transitory computer readable medium of claim 13 coupled to the processor.

15. The method of claim 12 wherein the personalized primary account number further c omprises a type length value element.

16. The method of claim 12 further comprising:

sending, by the server computer, the authorization request message including the numeric values to an issuer associated with the bank identification number

receiving, by the server computer, an authorization response message from the issuer.