Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions
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United States of America Patent
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Aug 26, 2003
Issued Date -
N/A
app pub date -
Sep 21, 2000
filing date -
May 15, 2000
priority date (Note) -
In Force
status (Latency Note)
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Abstract
A user can customize use of a payment card, which can be an electronic card, by selecting either a first or a second user key as a selected user key. The selected user key is entered into a card number generator that uses it and a user sequence number to generate a user payment card number that differs for each transaction through use of an algorithm. Multiple payment card transactions can be handled differently depending upon which user key is chosen as the selected user key. Different user keys can be used for different accounts, different types of transactions, or to classify the transactions. A user can receive one bill, or multiple bills. Different levels of privacy can be accorded to transactions that use different user keys. A user may pay the issuer for increased security, or the user may be paid by the issuer to allow transaction data to be distributed to third parties.
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