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:
Jan. 26, 2016
Filed:
Sep. 29, 2010
Applicant:
Shantnu Singh, Singapore, SG;
Inventor:
Shantnu Singh, Singapore, SG;
Assignee:
Visa International Service Association, San Francisco, CA (US);
Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/04 (2012.01); G06Q 20/40 (2012.01); G06Q 20/10 (2012.01); G06Q 20/20 (2012.01); G06Q 40/02 (2012.01); G06Q 20/00 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/40 (2013.01); G06Q 20/10 (2013.01); G06Q 20/204 (2013.01); G06Q 40/02 (2013.01);
Abstract
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.