Patent ID: 8190523

Claim:
A method comprising: creating, using a server computer, a plurality of derived account identifiers, wherein each derived account identifier is derived from a permanent account identifier associated with a consumer, wherein the plurality of derived account identifiers includes a first derived account identifier usable with a first payment mechanism, the first payment mechanism comprising a physical device, wherein the plurality of derived account identifiers further includes a second derived account identifier usable with a second payment mechanism, further wherein the first derived account identifier is not usable with the second payment mechanism and the second derived account identifier is not usable with the first payment mechanism; providing the plurality of derived account identifiers to the consumer; and providing a replacement derived account identifier if an account identifier in the plurality of derived account identifiers has expired or has been comprised, wherein if one of the derived account identifiers in the plurality of derived account identifiers is used fraudulently, any other derived account identifiers are not comprised.