Registers – Systems controlled by data bearing records – Credit or identification card systems
Reexamination Certificate
2005-07-28
2009-06-09
Le, Thien M. (Department: 2887)
Registers
Systems controlled by data bearing records
Credit or identification card systems
C235S375000, C235S379000, C235S382000, C235S382500, C235S492000, C235S451000
Reexamination Certificate
active
07543738
ABSTRACT:
A system and method for securing a financial transaction using a proxy code, which is assigned a transaction account number. An account issuer permanently assigns the proxy code to a transaction account correlated to the transaction device. The proxy code is uploaded onto the transaction device for later use in completing a transaction request. During transaction completion, the proxy code is provided to a merchant system in lieu of any sensitive account information. Since the proxy code is permanently assigned, the number need not be changed or updated on the merchant system once uploaded into a payment device or merchant database. The account issuer may manipulate the sensitive account information without need to alter the information stored on the merchant database. Since the proxy code contains no sensitive information, the sensitive information related to the transaction account is secured from theft.
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Barnes Brian T
Saunders Peter D
American Express Travel Related Services Company Inc.
Le Thien M.
Snell & Wilmer L.L.P.
Vo Tuyen K
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