| 摘要 |
ACCOUNT PERMANENCE A method is disclosed, comprising: creating, using a server computer, a plurality of derived account identifiers (e.g., 50a, 50b), wherein each derived account identifier (e.g., 50a, 50b) is derived from a permanent account identifier (50) associated with a consumer, wherein the plurality of derived account identifiers includes a first derived account identifier usable with the first payment mechanism, the first payment mechanism comprising a physical device, wherein the plurality of derived account identifiers (e.g., 50a, 50b) further includes a second derived account identifier usable with the second payment mechanism, further wherein the first derived account identifier is not usable with the second payment mechanism and the second derived account identifier is not usable with the first payment mechanism. The method further comprises providing the plurality of derived account identifiers to the consumer; monitoring whether the plurality of derived account identifiers have been compromised or expired; creating, using the server computer, a replacement derived account identifier if an account identifier in the plurality of derived account identifiers has expired or has been compromised, wherein if one of the derived account identifiers in the plurality of derived account identifiers is used fraudulently, any other derived account identifiers are not compromised. The method further comprises associating the replacement derived account identifier with the permanent account identifier and with the payment mechanism associated with the expired or compromised derived identifier; storing the replacement derived account identifier in a database; and providing the replacement derived account identifier to the consumer, wherein the first and second derived account identifiers are configured to be used to conduct payment transactions using the first and second payment mechanisms, wherein the first and second derived account identifiers are used to determine the permanent account identifier to complete the payment transaction. |
