SYSTEMS AND METHODS FOR SINGLE NUMBER PAN VIRTUAL/PHYSICAL CARD
A credit/debit card that can be utilized as a virtual card or as a physical card. The system provides a single PAN (Primary Account Number) for both the virtual and the physical card so that they represent a single account. The customer can elect one of the card formats. When one format is selected, the other format is inactive. In one embodiment, the customer can toggle back and forth between formats. To distinguish between the types of card, each card has modulated non-PAN data. For example, the expiration date on each card may be modified so that uses of the card will be recognized as coming from one format or the other.
1 . A method of providing a payment card comprising:
using a processing system;
creating an account having a primary account number;
issuing a first instantiation of a card associated with the primary account number and generating first non-primary account number data associated with the first instantiation; and
issuing a second instantiation of a card associated with the primary account number, generating second non-primary account number data associated with the second instantiation, and changing the second non-primary account number data to indicate that the second non-primary account number data represents the second instantiation of the card and wherein the second non-primary account number data is different from the first non-primary account number data.
2 . The method of claim 1 wherein the first instantiation is a virtual card.
3 . The method of claim 2 wherein the second instantiation is a physical card.
4 . The method of claim 3 wherein when the virtual card is active the physical card is inactive.
5 . The method of claim 4 wherein when the physical card is active the virtual card is inactive.
6 . The method of claim 5 wherein the virtual card comprises a mobile phone payment method.
7 . The method of claim 5 wherein non-primary account number data comprises an expiration date of the a payment card.
8 . The method of claim 7 wherein non-primary account number data comprises a card security code (CSC) of the a payment card.
9 . The method of claim 8 wherein the non-primary account number data of a physical card has identifying characteristics.
10 . The method of claim 9 wherein the non-primary account number data of a virtual card has identifying characteristics.
11 . The method of claim 7 , wherein changing the second non-primary account number data further comprises incrementing an expiration month of the expiration date of the card.
12 . The method of claim 8 , wherein changing the second non-primary account number data further comprises changing the card security code of the card.
13 . The method of claim 1 further comprising deactivating the first instantiation of the card when the second instantiation of the card is issued.