Dynamic security code for a card transaction
US11763292B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jul 27, 2017 |
| Grant date | Sep 19, 2023 |
| Priority date | — |
| Expiry date | Oct 19, 2040 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/401
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A card (35) generates a dynamic security code for a card transaction, e.g. a card not present (CNP) transaction. The card (35) receives a request (83) to generate a dynamic security code from an electronic device (10) external to the card via an external card interface (330). The card (35) receives a message (87) comprising a time via the external card interface (330). The card (35) computes (89) the dynamic security code based on the time and a key (dCVV-key) stored at the card. The card (35) sends the dynamic security code (90) to the electronic device (10) via the external card interface (330) for display on a display (14) of the electronic device (10). The card (35) may determine (88) an authenticity of the message comprising the time.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.