Electronic payment system employing selectively activatable limited-use account number
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United States of America Patent
Stats
-
N/A
Issued Date -
Nov 29, 2001
app pub date -
Jul 31, 2001
filing date -
Dec 2, 1998
priority date (Note) -
Abandoned
status (Latency Note)
Importance
Abstract
An account holder authorizes transfer of funds from an account using a limited-use account number. An account issuer establishes an account and associates a limited-use account number with the account. The limited-use account number remains inactive until the account holder requests activation thereof. The account holder uses a transactions card to initiate communication with the account issuer and to request activation of the limited-use account number. Upon receiving the request for activation, 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 access to the account.
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