Method for generating and updating alternate security codes for payment cards

US10078840B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Michael Powell · Santa Clara, US
• Joan L. Rohlfing · Maryland Heights, US
• Alex Inovenkov · O'Fallon, US
• Rodney Victor Barlow Pye · Riverwoods, US
• Puneet Bhalla · Chesterfield, US
• David Gilliland · Clearwater, US

Key dates

• Filing date: Apr 8, 2015
• Grant date: Sep 18, 2018
• Expiry date: Apr 16, 2036

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/4018
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

An auxiliary security code called a CVC2a is generated to replace a CVC2 value that is presented on a payment card for verifying card-not-present (CNP) transactions without necessarily generating a replacement card. An enhanced card table/file is maintained by a payment network operator to facilitate transitional scenarios in which the payment cards are reissued or replaced.