Electronic payment system with PIN and sub-account configurations
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United States of America Patent
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Jun 7, 2011
Grant Date -
N/A
app pub date -
Feb 8, 2006
filing date -
Feb 9, 2005
priority date (Note) -
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status (Latency Note)
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Abstract
Implementations of the present invention provide systems, methods, and apparatus for stopping unauthorized transactions before they are processed, as well as for creating and using one or more sub-accounts. For example, a debit or credit account can be activated or deactivated at will through various spend control mechanisms, which can be limited by specified time periods, numbers of transactions, and/or monetary amounts. Further implementations also relate to using a unique 6-digit identification number (or biometric information) that is known only to the account granting institution and the primary account owner for the various types of activation/deactivation.
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