The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
May. 21, 2019
Filed:
Dec. 23, 2008
Richard Orth, Mesa, AZ (US);
Priscilla M. Morgan, Peoria, AZ (US);
Rafael T. Perez, Glendale, AZ (US);
Lee J. Peart, Epsom, GB;
Richard Orth, Mesa, AZ (US);
Priscilla M. Morgan, Peoria, AZ (US);
Rafael T. Perez, Glendale, AZ (US);
Lee J. Peart, Epsom, GB;
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC., New York, NY (US);
Abstract
A method and a system are provided for preventing unauthorized access to financial accounts. A financial services system creates and stores a global external number corresponding to a funding account number that is associated with a financial account. A vendor system requests the corresponding global external number from the financial services system, which returns the corresponding global external number. The vendor system stores the global external number with customer identification information and/or transaction records. The vendor system requests payments for transactions by supplying the global external number stored in a transaction record to the financial services system. The financial services system authenticates the vendor system, and returns the corresponding funding account number. The vendor system generates a transaction settlement request using the funding account number. If the vendor system is compromised, no financial accounts can be accessed, since the vendor system does not store funding account numbers.