Card holder data extraction
US12067446B2 · kind B2 · utility
Assignee
Inventor
Key dates
| Filing date | May 9, 2022 |
| Grant date | Aug 20, 2024 |
| Priority date | — |
| Expiry date | May 9, 2042 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG07C9/29
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A method and a card reader for extracting Card Holder Data, CHD, from an Integrated Circuit Card, ICC, on a payment card. The card reader sends a request for a file list of Application Identifier's, AID's, stored in the ICC of the payment card, and checks if a Short File Identifier, SFI, associated with the AID is stored in a memory of the card reader. If not stored a Get Processing Options, GPO, command is executed to extract the SFI from the ICC, which is stored in the memory. Then the card reader 6 reads the CHD files according to the SFI and extracts a Primary Account Number, PAN. If CHD is already stored the card reader reads the CHD files according to SFI and extracts PAN directly.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.