System and method for secured account numbers in proximity devices

摘要

A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing.

主权项

1. A method comprising:
receiving an authorization request message by a server computer associated with a payment processing network, wherein the authorization request message includes a secured account number, wherein the authorization request message originated from a wireless interaction, the interaction between:
a portable proximity consumer device in the form of a card including a first memory pre-loaded with the secured account number, a real account number stored in a second memory, a wireless transmission module, wherein the storage technology of the first memory differs from the storage technology of the second memory; anda proximity reader device comprising a second wireless transmission module, wherein the secured account number is associated with the real account number, and wherein the secured account number was wirelessly transmitted from the first wireless transmission module in the portable proximity consumer device to the second wireless transmission module in the proximity reader device; determining by the server computer the real account number using the secured account number after receiving the authorization request message including the secured account number; and routing by the server computer the authorization request message to an issuer.