Patent ID: 8843417
Filing Date: 2014-09-23
Classification: G06Q,H04L

Abstract:
1. A method comprising: providing to a server, by an access device, a secondary primary account number (PAN)for a primary account, wherein the secondary PAN is created by modifying a primary PAN for the primary account using the access device, wherein the secondary PAN has a location identification data element, and wherein the location identification data element is the same as a corresponding location identification data element in the primary PAN, and wherein a middle portion of the secondary PAN is different than a corresponding middle portion of the primary PAN; and receiving from the server, at the access device, an approval or disapproval for a payment transaction from the primary account after said providing the secondary PAN to the server; wherein the secondary PAN and the primary PAN each comprise at least three corresponding digits having a same value; and wherein the middle portion of the secondary PAN further comprises a digit selected to allow a checksum operation to be performed using the secondary PAN that will generate a same value as a checksum digit of the primary PAN.