Inventors:
Kathi L. Bernstein - Murray UT, US
Hans D. Buehler - Williston VT, US
William Clark - Salt Lake City UT, US
Jeremiah Matt Curry - Taylorsville UT, US
Ryan Edward Lueders - South Weber UT, US
David O. Nelson - South Jordan UT, US
Michael S. Smith - Sandy UT, US
Assignee:
American Express Travel Related Services Company, Inc. - New York NY
International Classification:
G06Q 20/00, G06Q 40/00, G06Q 10/00
Abstract:
Limited use account identifiers or secondary account identifiers are enabled with refresh capability. The refreshable account identifiers are used in financial transactions and, specifically, in transaction situations where multiple and/or duplicate authorization requests occur for the same or related transactions. The limited use account identifiers may be used by intermediaries that coordinate the purchase of an item for a buyer. The intermediary also coordinates with the merchant to verify availability of the item, provides the merchant with the refreshable limited use account identifier and provides the purchaser with a confirmation number.