CPC G06Q 20/10 (2013.01) [G06Q 20/401 (2013.01); G06Q 20/4016 (2013.01)] | 24 Claims |
1. An authorization system comprising:
a database comprising a plurality of database records each including a card number and an account number associated with the card number, each said card number having fewer digits than the associated account number; and
at least one computer server in communication with the database and configured to:
receive a request message from a communications terminal, the request message initiating a transaction with the at least one computer server;
request an authentication credential from the communications terminal;
receive the authentication credential from the communications terminal, in the database locate the card number matching the received authentication credential, and locate the account number associated with the located card number in the database;
request authorization of a test transaction using the located account number, and receive an authorization response confirming authorization of the test transaction, the test transaction being different from the initiated transaction; and
authorize the initiated transaction in response to the authorization response.
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