최소 단어 이상 선택하여야 합니다.
최대 10 단어까지만 선택 가능합니다.
다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
NTIS 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
DataON 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Edison 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Kafe 바로가기국가/구분 | United States(US) Patent 등록 |
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국제특허분류(IPC7판) |
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출원번호 | UP-0709978 (2004-06-10) |
등록번호 | US-7835960 (2011-01-16) |
발명자 / 주소 |
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출원인 / 주소 |
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대리인 / 주소 |
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인용정보 | 피인용 횟수 : 99 인용 특허 : 510 |
The present invention provides a system and method for facilitating a transaction using a secondary transaction number that is associated with a cardholder's primary account. The cardholder provides the secondary transaction number, often with limited-use conditions associated therewith, to a mercha
The present invention provides a system and method for facilitating a transaction using a secondary transaction number that is associated with a cardholder's primary account. The cardholder provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.
The invention claimed is: 1. A method for processing a transaction, the method comprising: receiving, by a merchant and via a processor, an account number of a user; submitting, by the merchant and via the processor, the account number to a provider of the account number and requesting authorizatio
The invention claimed is: 1. A method for processing a transaction, the method comprising: receiving, by a merchant and via a processor, an account number of a user; submitting, by the merchant and via the processor, the account number to a provider of the account number and requesting authorization of the transaction; requesting, by the merchant and via the processor, that the provider return a secondary transaction number (STN) in lieu of returning the account number; receiving, from the provider and via the processor, an authorization record referencing the STN; issuing, via the processor, a settlement request associated with the transaction, wherein the settlement request includes the STN and does not include the account number; maintaining, by the merchant and via the processor, a record of the transaction; and replacing the account number with the STN, wherein the record of the transaction includes the STN and the record of the transaction does not include the account number. 2. A method for processing a transaction, the method comprising: receiving, from a merchant and via a processor, a transaction authorization request for the transaction, the authorization request comprising a primary account number associated with a primary account; generating, via the processor, a secondary account number (STN) and associating the STN with the primary account, wherein the primary account number and STN are different; receiving, from the merchant and via the processor, a request that a provider of the primary account return the STN in lieu of returning the primary account number; sending, via the processor, to the merchant an authorization record referencing the STN, wherein the authorization record does not include the primary account number; processing, via the processor, a settlement request associated with the transaction, wherein the settlement request includes the STN and does not include the primary account number; receiving, from a first party and via the processor, a transaction dispute identifying the primary account number and relating to the transaction involving the STN; retrieving, via the processor, transaction information from a database using the primary account number; and initiating, via the processor, an inquiry, with a second party, that includes the STN, wherein the inquiry does not include the primary account number, and wherein the second party does not maintain a record of the primary account number. 3. The method of claim 2, further comprising the steps of: determining if a valid approval code is associated with the STN; and charging back to the second party an amount of the transaction, if a valid approval code is not associated with the STN. 4. The method of claim 2, further comprising the step of routing the transaction dispute to a predefined STN queue based at least in part on an industry type associated with the transaction. 5. The method of claim 1, wherein in response to the authorization of the transaction, the secondary transaction number (STN) is automatically requested, by the merchant via the processor. 6. The method of claim 1, wherein the account number is a non-currency based account. 7. The method of claim 1, wherein the account number is associated with an electronic line-of-credit system. 8. The method of claim 1, further comprising the step of receiving a dispute of a charge associated with the transaction and causing the charge to be charged back to the merchant. 9. The method of claim 2, wherein in response to authorization of the transaction, a STN is automatically generated, via the processor. 10. The method of claim 2, wherein the primary account number is a non-currency based account. 11. The method of claim 2, wherein the primary account number is associated with an electronic line-of-credit system. 12. A tangible computer-readable medium having stored thereon computer-executable instructions that, if executed by a processor, causes the processor to perform operations comprising: receiving, by a merchant and via the processor, an account number of a user; submitting, by the merchant and via the processor, the account number to a provider of the account number and requesting authorization of the transaction; requesting, by the merchant and via the processor, that the provider return a secondary transaction number (STN) in lieu of returning the account number; receiving, from the provider and via the processor, an authorization record referencing the STN; issuing, via the processor, a settlement request associated with the transaction, wherein the settlement request includes the STN and does not include the account number; maintaining, by the merchant and via the processor, a record of the transaction; and replacing the account number with the STN, wherein the record of the transaction includes the STN and the record of the transaction does not include the account number.
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