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Processing transactions of different payment devices of the same issuer account

  • US 9,256,875 B2
  • Filed: 01/30/2015
  • Issued: 02/09/2016
  • Est. Priority Date: 01/30/2007
  • Status: Active Grant
First Claim
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1. A system for processing transactions, comprising:

  • at least one computer processor; and

    at least one computer-readable medium storing computer-executable instructions that, when executed with the at least one computer processor, cause the system to, at least;

    receive data read from a data storage region of a payment device that includes (i) a primary account number (PAN) comprising an identifier of the issuer and an identifier of a consumer account usable to conduct transactions with a plurality of merchants and (ii) a payment device distinguishing code distinct from the PAN uniquely identifying the payment device with respect to the PAN among a plurality of payment devices that are associated with the PAN;

    determine a globally unique identifier (GUID) of the payment device based at least in part on both the PAN and the payment device distinguishing code read from the data storage region of the payment device; and

    make a determination with respect to fraud based at least in part on the GUID, wherein a plurality of GUIDs are associated with a same PAN and the determination with respect to fraud is different for different GUIDs of the plurality of GUIDs associated with the same PAN.

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