Patent ID: 8818907

Claim:
A method, comprising: generating, by an issuer computer, a secondary transaction code (STC), wherein the generating the STC comprises: generating a random number, determining whether the random number is available for use, and in response to a determination that the random number is available for use, appending a product identifier number to the available random number such that the STC has a format equivalent to a transaction account code format; associating, by the issuer computer, the STC to a transaction account code; issuing, by the issuer computer, a transaction account associated with the STC and an available account balance; assigning, by the issuer computer, the STC to an RF transaction device; submitting an RF transaction authorization request from a merchant computer to the issuer computer, wherein the RF transaction authorization request includes a request that the issuer computer return to the merchant computer the STC associated with the transaction account code; receiving, by the merchant computer, an authorization record from the issuer computer in response to the RF transaction authorization request, wherein the authorization record includes the STC; and storing a transaction record of the RF transaction in a merchant database, wherein the transaction record includes the STC.