초록 ▼

Methods and systems for enabling an account holder to authorize the transfer of funds from an account using a limited-use account number. An account issuer establishes an account for the account holder and associates a regular account number and a limited-use account number with the account. The lim

Methods and systems for enabling an account holder to authorize the transfer of funds from an account using a limited-use account number. An account issuer establishes an account for the account holder and associates a regular account number and a limited-use account number with the account. The limited-use account number remains inactive until the account holder requests activation thereof The regular account number is activated and is made available to the account holder for use in any desired number of transactions. Upon receiving the request for activation of the limited-use account number, the account issuer activates the limited-use account number for either a specified period of time or a specified number of transactions. The account holder then uses the limited-use account number for the specified period of time or the specified number of transactions, after which the limited-use account number is deactivated until such time that the account holder again requests activation thereof Deactivation of the limited-use account number substantially prevents unauthorized persons from gaining unlimited access to the account.

대표청구항 ▼

1. In a computer system maintained by an account issuer, a method for executing a financial transaction using an account that has at least two account numbers, one of which being a limited-use account number, comprising the steps of:issuing a first account number associated with an account establish

1. In a computer system maintained by an account issuer, a method for executing a financial transaction using an account that has at least two account numbers, one of which being a limited-use account number, comprising the steps of:issuing a first account number associated with an account established by the account issuer, the first account number being activated such that an account holder associated with the account is capable of repeatedly authorizing funds to be transferred from the account using the first account number; issuing a second account number associated with the account; such that the first account number and the second account number are both associated with the same account as opposed to being associated with two different accounts, the first account number and the second account number being associated with the same account to the extent that funds authorized for transfer using the first account number and funds authorized for transfer using the second account number are drawn from the same account rather than being drawn from two accounts, the second account number remaining inactive until the account holder requests activation thereof; activating the second account number in response to a request for activation made by the account holder; transferring funds from the account in response to the account holder making an authorization using the second account number; and deactivating the second account number upon satisfaction of a limited-use condition, such that the deactivated second account number cannot be used to transfer funds until another request for activation is made by the account holder.