Account Protection With One Sided Access

Abstract

A first account number and a second account number are created for an account. The first and second account numbers are associated with the account and can be used for transactions with the account. A first subset of operations is associated with the first account number and a second subset of operations is associated with the second account number. A subset of operations includes operations that are restricted to a party that has access to the account number. Accordingly, the first party that has access to the first account number is restricted to the operations found in the first subset of operations when transacting with the account. Also, a second party that has access to the second account number is restricted to the second subset of operations when transacting with the account.

1 . A method of protecting an account, the method comprising:
 creating a first account number and a second account number for an entity;   associating the first and second account numbers with the account;   storing an indication of a first subset of operations that should be restricted to the first account number;   storing an indication of a second subset of operations that should be restricted to the second account number;   enabling access to the account using the first subset of operations if the first account number is received in a transaction request; and   enabling access to the account using the second subset of operations if the second account number is received in a transaction request.   
     
     
         2 . The method of  claim 1 , further comprising:
 receiving a first request for an operation for the first account number;   using the first account number to determine the first subset of operations;   determining if the operation is in the stored first subset of operations; and   if the operation is in the first subset of operations, processing the request with the account associated with the first and second account numbers.   
     
     
         3 . The method of  claim 2 , wherein if the operation is not in the first subset of operations, denying the request. 
     
     
         4 . The method of  claim 2 , further comprising:
 receiving a second request for a second operation for the second account number;   using the second account number to determine the second subset of operations;   determining if the second operation is in the stored second subset of operations; and   if the second operation is in the second subset of operations, processing the second request with the account associated with the first and second account numbers.   
     
     
         5 . The method of  claim 4 , wherein if the operation is not in the second subset of operations, denying the request. 
     
     
         6 . The method of  claim 1 , wherein the first subset of operations is different from the second subset of operations. 
     
     
         7 . The method of  claim 1 , wherein the first subset of operations comprise operations for deposit access. 
     
     
         8 . The method of  claim 7 , wherein the second subset of operations comprises operations for full access. 
     
     
         9 . The method of  claim 1 , wherein the first account number and second account number cannot be derived from each other. 
     
     
         10 . An account configured to have transactions processed from it, the account comprising:
 a first account identifier associated with a first subset of operations; and   a second account identifier associated with a second subset of operations,   wherein a first party using the first account identifier can access the account using operations only found in the first subset of operations,   wherein a second party using the second account identifier can access the account using operations only found in the second subset of operations.   
     
     
         11 . The account of  claim 10 , wherein the first subset of operations is different from the second subset of operations. 
     
     
         12 . The account of  claim 10 , wherein the first subset of operations comprise operations for deposit access. 
     
     
         13 . The account of  claim 10 , wherein the second subset of operations comprises operations for full access. 
     
     
         14 . The account of  claim 10 , wherein the first account identifier cannot be derived from the second account identifier.