Limiting access to account information during a radio frequency transaction
First Claim
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1. A method, comprising:
- generating, by an issuer computer, a secondary transaction code (STC), wherein the generating the STC comprises;
generating a random number,determining whether the random number is available for use, andin response to a determination that the random number is available for use, appending a product identifier number to the available random number such that the STC has a format equivalent to a transaction account code format;
associating, by the issuer computer, the STC to a transaction account code;
issuing, by the issuer computer, a transaction account associated with the STC and an available account balance;
assigning, by the issuer computer, the STC to an RF transaction device;
submitting an RF transaction authorization request from a merchant computer to the issuer computer, wherein the RF transaction authorization request includes a request that the issuer computer return to the merchant computer the STC associated with the transaction account code;
receiving, by the merchant computer, an authorization record from the issuer computer in response to the RF transaction authorization request, wherein the authorization record includes the STC; and
storing a transaction record of the RF transaction in a merchant database, wherein the transaction record includes the STC.
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Abstract
The present invention provides a system and method for facilitating a RF transaction using a secondary transaction number that is associated with a user'"'"'s primary transponder account. The user provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.
795 Citations
15 Claims
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1. A method, comprising:
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generating, by an issuer computer, a secondary transaction code (STC), wherein the generating the STC comprises; generating a random number, determining whether the random number is available for use, and in response to a determination that the random number is available for use, appending a product identifier number to the available random number such that the STC has a format equivalent to a transaction account code format; associating, by the issuer computer, the STC to a transaction account code; issuing, by the issuer computer, a transaction account associated with the STC and an available account balance; assigning, by the issuer computer, the STC to an RF transaction device; submitting an RF transaction authorization request from a merchant computer to the issuer computer, wherein the RF transaction authorization request includes a request that the issuer computer return to the merchant computer the STC associated with the transaction account code; receiving, by the merchant computer, an authorization record from the issuer computer in response to the RF transaction authorization request, wherein the authorization record includes the STC; and storing a transaction record of the RF transaction in a merchant database, wherein the transaction record includes the STC. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A system, comprising:
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an issuer computer comprising a processor and memory communicatively coupled to the processor storing instructions that in response to being executed, cause the processor of the issuer computer to perform operations comprising; generating a secondary transaction code (STC), wherein the generating the STC comprises; generating a random number, determining whether the random number is available for use, and in response to a determination that the random number is available for use, appending a product identifier number to the available random number such that the STC has a format equivalent to a transaction account code format; associating the STC to a transaction account code, issuing a transaction account associated with the STC and an available account balance, and assigning the STC to an RF transaction device; a merchant computer comprising a processor and memory communicatively coupled to the processor storing instructions that in response to being executed, cause the processor of the merchant computer to perform operations comprising; communicating an RF transaction authorization request to the issuer computer, wherein the RF transaction authorization request includes a request that the issuer computer return to the merchant computer the STC associated with the transaction account code, receiving an authorization record from the issuer computer in response to the RF transaction authorization request, wherein the authorization record includes the STC, and storing a transaction record of the RF transaction, wherein the transaction record includes the STC.
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10. A non-transitory computer-readable medium having stored thereon computer-executable instructions that, in response to execution by one or more computing devices, cause the one or more computing devices to perform operations comprising:
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generating, by an issuer computer, a secondary transaction code (STC), wherein the generating the STC comprises; generating a random number, determining whether the random number is available for use, and in response to a determination that the random number is available for use, appending a product identifier number to the available random number such that the STC has a format equivalent to a transaction account code format; associating, by the issuer computer, the STC to a transaction account code; issuing, by a the issuer computer, a transaction account associated with the STC and an available account balance; assigning, by the issuer computer, the STC to an RF transaction device; submitting an RF transaction authorization request from a merchant computer to the issuer computer, wherein the RF transaction authorization request includes a request that the issuer computer return to the merchant computer the STC associated with the transaction account code; receiving, by the merchant computer, an authorization record from the issuer computer in response to the RF transaction authorization request, wherein the authorization record includes the STC; and storing a transaction record of the RF transaction in a merchant database, wherein the transaction record includes the STC.
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11. A method, comprising:
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generating, by an issuer computer, a secondary transaction code (STC), wherein the generating the STC comprises; generating a random number, determining whether the random number is available for use, and in response to a determination that the random number is available for use, appending a product identifier number to the available random number such that the STC has a format equivalent to a transaction account code format; associating, by the issuer computer, the STC to a transaction account code; receiving, by the issuer computer, a radio frequency (RF) transaction authorization request from a merchant computer, wherein the RF transaction authorization request includes a request that the issuer computer return to the merchant computer the STC associated with a transaction account code assigned to an RF transaction device by the issuer computer; issuing, by the issuer computer, a transaction account associated with the STC and with an available account balance; transmitting an authorization record from the issuer computer to the merchant computer in response to the issuer computer authorizing the RF transaction, wherein the authorization record includes the STC; submitting the RF transaction for processing in response to the transmitting the authorization record from the issuer computer to the merchant computer; and storing a transaction record of the RF transaction in a merchant database, wherein the transaction record includes the STC. - View Dependent Claims (12, 13, 14, 15)
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Specification