Electronic transaction security system and method

Abstract

A computerized method for generating a time-limited number for use in a payment card transaction involving a payment card issued by a financial institution. The payment card comprises an original payment card number. A first plurality of digits of the original payment card number is provided to a processor. The first plurality of digits are predetermined digits associated to the financial institution. A desired expiration date through which the time-limited number is valid for acceptance in the payment card transaction is provided to the processor. A program is executed by the processor to set a first plurality of digits in the time-limited number to the first plurality of digits in the original payment card number, generate a first number corresponding to the desired expiration date, set a second plurality of digits in the time-limited number to the first number, and output the time-limited number.

1 . A computerized method for identifying an account assigned to a user by a financial institution, wherein the account is assigned a payment card number having a predefined format, comprising the steps of:
 providing to a processing device information corresponding to a payment card transaction associated with the user; and   executing a program by the processing device so that the processing device locates the account based on a portion of the information that does not include any number having the predefined format.   
     
     
         2 . The method of  claim 1 , wherein the information comprises a name of the user. 
     
     
         3 . The method of  claim 3 , wherein the information comprises a telephone number of the user. 
     
     
         4 . The method of  claim 2 , wherein the information comprises a card verification code associated with the payment card number. 
     
     
         5 . The method of  claim 2 , wherein the information comprises an expiration date of the payment card number. 
     
     
         6 . The method of  claim 1 , wherein the information comprises an international mobile subscriber identity. 
     
     
         7 . The method of  claim 1 , wherein the information comprises a sequence of alphanumeric characters unique to the account.