{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-11250432","patent":{"patent_number":"US-11250432","title":"Systems and methods for reducing fraud risk for a primary transaction account","assignee":null,"inventors":[],"filing_date":"2016-04-13T00:00:00.000Z","publication_date":"2022-02-15T00:00:00.000Z","cpc_codes":["G06Q","G06Q"],"num_claims":20,"abstract":"The system protects an account through the use of tokens, thereby eliminating the need to expose the primary account identifier during a transaction. If a primary account identifier is compromised, any use of the primary account identifier to facilitate a fraudulent purchase or settlement transaction may be blocked by the system. The system is configured to receive a payment authorization request including a payment account first identifier. The payment account first identifier serves as a search condition for a query, which is executed against a database to retrieve payment account information, if the payment account information exists. The system sends a decline response in response to the payment account first identifier and a primary account identifier from the payment account information being the same, indicating that a primary account is being used."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Systems and methods for reducing fraud risk for a primary transaction account","description":"The system protects an account through the use of tokens, thereby eliminating the need to expose the primary account identifier during a transaction. If a primary account identifier is compromised, an","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-11250432","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-11250432","citation_suggestion":"Patentable. \"Systems and methods for reducing fraud risk for a primary transaction account\" (US-11250432). https://patentable.app/patents/US-11250432","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-11250432","json":"https://patentable.app/api/llm-context/US-11250432","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T17:47:14.586Z"}