Method and apparatus for improved financial instrument processing
Number of patents in Portfolio can not be more than 2000
United States of America Patent
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-
N/A
Issued Date -
Oct 18, 2001
app pub date -
Dec 11, 2000
filing date -
Dec 10, 1999
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
A method and apparatus are provided for issuing secondary programmable account numbers (SPANs) to a customer or customer-designated party, each of which SPANs is associated with a customer primary account or other financial instrument, and each of which SPANs has selected usage parameters assigned thereto. SPANs may be issued as a book, with usage parameters assigned to the book in addition to or instead of individual SPANs. When a SPAN is presented to a merchant for payment, the SPAN, including compliance with usage parameters, is verified and appropriate action taken based on either verification or failure of verification.
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