Source: https://patents.google.com/patent/US8762263B2/en
Timestamp: 2018-04-19 10:36:26
Document Index: 458445536

Matched Legal Cases: ['Application No. 60', 'Application No. 2', 'Application No. 200680041246', 'Application No. 200680041246', 'Application No. 2008', 'Application No. 10', 'Application No. 10', 'Application No. 2008', 'Application No. 2008113214', 'Application No. 200680041246', 'Application No. 2008']

US8762263B2 - System and method for secured account numbers in proximity devices - Google Patents
System and method for secured account numbers in proximity devices Download PDF
US8762263B2
US8762263B2 US11398887 US39888706A US8762263B2 US 8762263 B2 US8762263 B2 US 8762263B2 US 11398887 US11398887 US 11398887 US 39888706 A US39888706 A US 39888706A US 8762263 B2 US8762263 B2 US 8762263B2
US20070055630A1 (en )
This application claims priority to U.S. Provisional Patent Application No. 60/714,635 filed Sep. 6, 2005 , entitled “System And Method Using Ghost Account Number”, which is hereby incorporated by reference in its entirety.
receiving an authorization request message by a server computer associated with a payment processing network, wherein the authorization request message includes a secured account number, wherein the authorization request message originated from a wireless interaction, the interaction between:
a portable proximity consumer device in the form of a card including a first memory pre-loaded with the secured account number, a real account number stored in a second memory, a wireless transmission module, wherein the storage technology of the first memory differs from the storage technology of the second memory; and
a proximity reader device comprising a second wireless transmission module,
wherein the secured account number is associated with the real account number, and wherein the secured account number was wirelessly transmitted from the first wireless transmission module in the portable proximity consumer device to the second wireless transmission module in the proximity reader device;
determining by the server computer the real account number using the secured account number after receiving the authorization request message including the secured account number; and
routing by the server computer the authorization request message to an issuer.
2. The method of 1, wherein the secured account number is only wirelessly transmitted to the proximity reader device when there is a wireless financial transaction and wherein the real account number is used for non-wireless financial transactions.
7. The method of claim 1, wherein the portable proximity consumer device is in the form of a card, and wherein the second memory is in the form of a magnetic stripe comprising the real account number.
8. The method of claim 1, further comprising pre-loading the secured account number into the first memory and pre-loading the real account number into the second memory.
9. The method of claim 1, wherein the wireless transmission module and the second wireless transmission module operate according to the Europay-Mastercard-Visa standard.
10. A method of conducting wireless financial transactions, the method comprising:
receiving an authorization request message by a server computer associated with a payment processing network, the authorization request message including a static secured account number and a transaction identifier, wherein the static secured account number does not change between transactions, and wherein the authorization request message originated from a portable consumer device comprising the secured account number stored in a first memory and a real account number stored in a second memory, wherein the storage technology of the first memory differs from the storage technology of the second memory;
determining by the server computer the real account number using the secured account number when the transaction identifier is indicative that the secured account number originated from a wireless transaction with the portable consumer device; and
11. The method of claim 10, wherein the real account number is usable for non-wireless financial transactions.
12. The method of claim 10, further comprising generating an alert when the transaction identifier is indicative that the secured account number originated from a non-wireless transaction.
14. The method of claim 10, wherein receiving an authorization request message comprises;
15. The method of claim 10, wherein determining the real account number comprises querying a database of secured account numbers, wherein each of the secured account numbers is associated with a respective real account number.
16. The method of claim 10, wherein determining the real account number comprises processing the secured account number with an algorithm configured to convert the secured account number to the real account number.
US20070055630A1 true US20070055630A1 (en) 2007-03-08
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Speed Pass website info: http://speedpass.com/faqs/category.jsp?categoryID=3.
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Speed Pass website info: http://speedpass.com/how/technology.jsp.
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US20070055630A1 (en) 2007-03-08 application