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This invention describes a system that uses temporary or channel-specific account numbers, called "derived account identifiers," which all link back to a single, permanent account number. When a payment request comes in with one of these temporary IDs, a computer in a payment network processes it by connecting it to the main permanent account. The claims specifically focus on this process for payment transactions, where the temporary ID might come from a payment card.
Why it matters: Filed before the full maturity of tokenization standards and widespread adoption of virtual card numbers across diverse payment channels. This makes the underlying infrastructure more receptive to such a system today.
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