Account permanence

• US 10,733,604 B2
• Filed: 08/02/2018
• Issued: 08/04/2020
• Est. Priority Date: 09/13/2007
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Patterson, Barbara
• Primary Examiner(s): Sterrett, Jonathan G
• Application Number:
  US16/053,699
• Publication Number:
  US 20190073667A1
• Time in Patent Office: 733 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

A system and method for using derived account identifiers. The derived account identifiers are associated with a single permanent account identifier. Each derived account identifier is associated with a communication channel or portable consumer device.

Claims

1. A method comprising:

receiving, by a computer, a first authorization request message for a first transaction comprising a first derived account identifier from an access device, the first derived account identifier being one of a plurality of derived account identifiers associated with different payment mechanisms, wherein the first derived account identifier is associated with a permanent account identifier, wherein the first derived account identifier can only be used with a first payment mechanism;

determining, by the computer and during the first transaction, that the first derived account identifier is being used with the first payment mechanism and not with another type of payment mechanism;

in response to determining that the first derived account identifier is being used with the first payment mechanism, accessing, by the computer, a database of derived and permanent account identifiers to identify the permanent account identifier associated with the first derived account identifier;

exchanging, by the computer, the first derived account identifier in the first authorization request message with the permanent account identifier in the first authorization request message;

forwarding, by the computer and during the first transaction, the first authorization request message including the permanent account identifier to an issuer for approval;

receiving, by the computer, a second authorization request message for a second transaction comprising a second derived account identifier from a mobile phone, the second derived account identifier being one of a plurality of derived account identifiers associated with different payment mechanisms, wherein the second derived account identifier is associated with the permanent account identifier, wherein the second derived account identifier can only be used with a second payment mechanism;

determining, by the computer and during the second transaction, that the second derived account identifier is being used with the second payment mechanism and not with another type of payment mechanism;

in response to determining that the second derived account identifier is being used with the second payment mechanism, accessing, by the computer, the database of derived and permanent account identifiers to identify the permanent account identifier associated with the second derived account identifier;

exchanging, by the computer, the second derived account identifier in the second authorization request message with the permanent account identifier in the second authorization request message; and

forwarding, by the computer and during the second transaction, the second authorization request message including the permanent account identifier to the issuer for approval.

2. The method of claim 1, wherein the computer is in a payment processing network located between a plurality of acquirers and issuers.

3. The method of claim 1, wherein the access device receives the first derived account identifier from a payment card which stores the first derived account identifier.

4. The method of claim 1, wherein the first and second derived account identifiers are formed by mathematically altering the permanent account identifier.

5. The method of claim 1, wherein the access device is a point of sale terminal.

6. The method of claim 1, the mobile phone is a cellular phone.

7. The method of claim 1, wherein the first authorization request message is received from the access device via an acquirer.

8. The method of claim 1, wherein the mobile phone comprises a contactless element.

9. The method of claim 1, further comprising:

receiving an authorization response message comprising the permanent account identifier from the issuer;

modifying the authorization response message to replace the permanent account identifier with the first derived account identifier; and

transmitting the modified authorization response message to the access device.

10. The method of claim 9, wherein the authorization response message is a first authorization response message, and the modified authorization response message is a first modified authorization response message, and the method further comprises:

receiving a second authorization response message comprising the permanent account identifier from the issuer;

modifying the second authorization response message to replace the permanent account identifier with the second derived account identifier; and

transmitting the modified second authorization response message to the mobile phone.

11. A computer comprising:

a processor; and

a computer readable medium, the computer readable medium comprising code, executable by the processor, for implementing a method comprising;

receiving, by the computer, a first authorization request message for a first transaction comprising a first derived account identifier from an access device, the first derived account identifier being one of a plurality of derived account identifiers associated with different payment mechanisms, wherein the first derived account identifier is associated with a permanent account identifier, wherein the first derived account identifier can only be used with a first payment mechanism;

determining, by the computer and during the first transaction, that the first derived account identifier is being used with the first payment mechanism and not with another type of payment mechanism;

in response to determining that the first derived account identifier is being used with the first payment mechanism, accessing, by the computer, a database of derived and permanent account identifiers to identify the permanent account identifier associated with the first derived account identifier;

exchanging, by the computer, the first derived account identifier in the first authorization request message with the permanent account identifier in the first authorization request message;

forwarding, by the computer and during the first transaction, the first authorization request message including the permanent account identifier to an issuer for approval;

receiving, by the computer, a second authorization request message for a second transaction comprising a second derived account identifier from a mobile phone, the second derived account identifier being one of a plurality of derived account identifiers associated with different payment mechanisms, wherein the second derived account identifier is associated with the permanent account identifier, wherein the second derived account identifier can only be used with a second payment mechanism;

determining, by the computer and during the second transaction, that the second derived account identifier is being used with the second payment mechanism and not with another type of payment mechanism;

in response to determining that the second derived account identifier is being used with the second payment mechanism, accessing, by the computer, the database of derived and permanent account identifiers to identify the permanent account identifier associated with the second derived account identifier;

exchanging, by the computer, the second derived account identifier in the second authorization request message with the permanent account identifier in the second authorization request message; and

forwarding, by the computer and during the second transaction, the second authorization request message including the permanent account identifier to the issuer for approval.

12. The computer of claim 11, wherein the computer is in a payment processing network located between a plurality of acquirers and issuers.

13. The computer of claim 11, wherein the access device receives the first derived account identifier from a payment card which stores the first derived account identifier.

14. The computer of claim 11, wherein the first and second derived account identifiers are formed by mathematically altering the permanent account identifier.

15. The computer of claim 11, wherein the access device is a point of sale terminal.

16. The computer of claim 11, the mobile phone is a cellular phone.

17. The computer of claim 11, wherein the first authorization request message is received from the access device via an acquirer.

18. The computer of claim 11, wherein the mobile phone comprises a contactless element.

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

receiving an authorization response message comprising the permanent account identifier from the issuer;

modifying the authorization response message to replace the permanent account identifier with the first derived account identifier; and

transmitting the modified authorization response message to the access device.

20. The computer of claim 19, wherein the authorization response message is a first authorization response message, and the modified authorization response message is a first modified authorization response message, and the method further comprises:

receiving a second authorization response message comprising the permanent account identifier from the issuer;

modifying the second authorization response message to replace the permanent account identifier with the second derived account identifier; and

transmitting the modified second authorization response message to the mobile phone.