Portable account number for consumer payment account
US9245267B2 · kind B2 · utility
232Cited by
7References
14Claims
0Family size
Assignee
Inventor
Key dates
| Filing date | Sep 29, 2010 |
| Grant date | Jan 26, 2016 |
| Priority date | — |
| Expiry date | Oct 11, 2032 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/02
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A system, apparatus, and method for providing and using a payment account or payment device identifier when conducting a transaction. The bank identification number (BIN) is decoupled from the primary account number (PAN) or other form of device identifier when generating the payment account or payment device identifier. The payment account or payment device identifier is used to access information regarding the issuer, with that information being used to route a transaction authorization request message to the appropriate entity.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.