Patent ID: 9183591
Filing Date: 2015-11-10
Classification: G06Q

Abstract:
1. A computer-readable data storage medium storing a computer program executable by a processor of a virtualization server, execution of the computer program by the processor causing a method to be performed, the method comprising: receiving, by the virtualization server, an alphanumeric identifier of a financial account having a current value, the financial account maintained by a financial institution at a financial server different than the virtualization server; generating, by the virtualization server, a plurality of virtual accounts, each virtual account having an alphanumeric identifier different from the alphanumeric identifier of the financial account; linking, by the virtualization server, the virtual accounts to the financial account, financial transactions performed in relation to the virtual accounts resulting in changing the current value of the financial account; receiving, by the virtualization server, an attempt to perform a financial transaction in relation to a selected virtual account of the virtual accounts at a retailer computing device over the Internet, the retailer computing device receiving an alphanumeric identifier of the selected virtual account when the financial transaction is attempted to be performed; and causing, by the virtual server, the financial transaction to be performed in relation to the financial account, the financial account having an alphanumeric identifier different than the alphanumeric identifier of the virtual account received by the retailer computing device, the alphanumeric identifier of the financial account not exposed to the retailer computing device and that would otherwise be exposed if the financial transaction were performed in relation to the financial account directly, the financial transaction being performed without the alphanumeric identifier of the selected financial account being exposed to the retailer computing device preventing interception of the alphanumeric numeric identifier of the financial account over the Internet, wherein the virtual accounts themselves do not have a current value apart from the current value of the financial account to which the virtual accounts are linked, and wherein at least one virtual account has an account type identical to an account type of the financial account, and at least one other virtual account has an account type different than the account type of the financial account.