Researchers Submit Patent Application, “Alternative Account Identifier”, for Approval (USPTO 20160189138)

By a News Reporter-Staff News Editor at Politics & Government Week -- From Washington, D.C., VerticalNews journalists report that a patent application by the inventors Hird, Geoffrey R. (Cupertino, CA); Hoover, Douglas N. (Sunnyvale, CA), filed on November 27, 2013, was made available online on July 7, 2016.

No assignee for this patent application has been made.

News editors obtained the following quote from the background information supplied by the inventors: "The present disclosure relates in general to the field of computing systems, and more specifically, to electronic payment systems.

"A smart card, integrated circuit card (ICC), or 'chip card' are pocket-sized cards with embedded integrated circuits. Such chip cards (or the integrated circuits of such chip cards) have been embedded in some smartphones and other mobile computing devices. The chip cards can provide identification, authentication, data storage, and application processing and have been used in connection with electronic payment, such as credit, debit, public transport, and phone cards, as well as other identification schemes, such as health insurance, school, and other government identification. Chip cards can include contact and contactless chip cards. A contact chip card can be activated when contact pads of the chip card are brought into contact with a card reader. A contactless chip card communicates with and is powered by a reader through radio frequency (RF) induction technology when the card is brought into proximity to an antenna of the reader.

"All of the major payment card brands have begun supporting payment using mobile devices at merchant point-of-sale (POS) terminals. The Europay, Mastercard, and Visa (EMV) consortium previously defined standards for chip cards, which are rectangular plastic cards containing a chip. EMV has adapted these standards to mobile devices that communicate with a merchant POS terminal via Near Field Communication (NFC). The cardholder data and algorithms that were in a chip card are now supported in mobile devices, such as common mobile 'smart' phones. Accordingly, a 'card' can also refer to a payment instrument implemented on a mobile device, even though there is no rectangular plastic card."

As a supplement to the background information on this patent application, VerticalNews correspondents also obtained the inventors' summary information for this patent application: "According to one aspect of the present disclosure, payment instrument data can be received in connection with a transaction, the data including an alternative primary account number (PAN) and an account identifier. A permanent PAN of an account can be identified that is based on the account identifier. An alternative PAN associated with the permanent PAN can be derived to determine whether the received alternative PAN matches the derived alternative PAN associated with the permanent PAN.

BRIEF DESCRIPTION OF THE DRAWINGS

"FIG. 1 is a simplified schematic diagram of an example computing system including an example card processing system in accordance with at least one embodiment;

"FIG. 2 is a simplified block diagram of an example computing system including an example card processing system, an example payment device, and an example transaction terminal in accordance with at least one embodiment;

"FIGS. 3A-3B illustrate an example permanent primary account identifier and example instances of one-time primary account identifiers in accordance with at least some embodiments;

"FIG. 4 illustrates example track data from a payment device in an example transaction in accordance with at least one embodiment;

"FIG. 5 illustrates an example table including data for use in deriving a one-time card identifier in accordance with at least some embodiments;

"FIGS. 6A-6B are simplified block diagrams illustrating an example payment using a one-time card identifier in accordance with at least some embodiments;

"FIG. 7 is a simplified flow chart of an electronic payment protocol in accordance with at least one embodiment;

"FIGS. 8A-8B are simplified flowcharts illustrating example techniques in connection with payment using a one-time card identifier in accordance with at least some embodiments.

"Like reference numbers and designations in the various drawings indicate like elements."

For additional information on this patent application, see: Hird, Geoffrey R.; Hoover, Douglas N. Alternative Account Identifier. Filed November 27, 2013 and posted July 7, 2016. Patent URL: http://appft.uspto.gov/netacgi/nph-Parser?Sect1=PTO2&Sect2=HITOFF&u=%2Fnetahtml%2FPTO%2Fsearch-adv.html&r=3432&p=69&f=G&l=50&d=PG01&S1=20160630.PD.&OS=PD/20160630&RS=PD/20160630

Keywords for this news article include: Patents.

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