Is a
Patent attributes
Patent Jurisdiction
Patent Number
Patent Inventor Names
Keith McGuire0
Date of Patent
May 18, 2021
0Patent Application Number
166564650
Date Filed
October 17, 2019
0Patent Citations
Patent Citations Received
Patent Primary Examiner
Patent abstract
A payment system that uses replacement account identifiers is disclosed. An encrypted primary account number (PAN) may be received by a secure computer from a data entry device. The encrypted PAN may be decrypted by the secure computer and the secure computer may transmit a zero, nominal or no dollar authorization request to an issuer. Using the zero, nominal or no dollar authorization request, the issuer may verify the account. If the account is verified, then a replacement account identifier can be issued at a later time. The replacement account identifier may be used instead of the actual PAN to conduct payment transactions.
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