Portable account number for consumer payment account

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 9245267
APP PUB NO 20110218871A1
SERIAL NO

12893834

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Importance

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Abstract

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A system, apparatus, and method for providing and using a payment account or payment device identifier when conducting a transaction. The bank identification number (BIN) is decoupled from the primary account number (PAN) or other form of device identifier when generating the payment account or payment device identifier. The payment account or payment device identifier is used to access information regarding the issuer, with that information being used to route a transaction authorization request message to the appropriate entity.

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Patent Owner(s)

Patent OwnerAddress
VISA INTERNATIONAL SERVICE ASSOCIATIONP O BOX 8999 SAN FRANCISCO CA 94128

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Singh, Shantnu Singapore, SG 20 661

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
11.5 Year Payment $7400.00 $3700.00 $1850.00 Jul 26, 2027
Fee Large entity fee small entity fee micro entity fee
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00