Patent · US Active

Auto-sequencing financial payment display card

US8201747B2 · kind B2 · utility

25Cited by
0References
1Claims
0Family size

Assignee

Inventors

Key dates

Filing dateNov 26, 2008
Grant dateJun 19, 2012
Priority date—
Expiry dateJan 29, 2030

Classification

  • Technology area (CPC G)Physics
  • CPC primaryG07F7/084
  • WIPO fieldControl
  • WIPO sectorInstruments

Abstract

A payment card comprises a store of issuer-defined pre-generated cryptograms that are loaded only once into the Card by a perso-bureau or issuer. An on-board and autonomous electronic display of the personal account number (PAN), card verification value (CVV), or expiration date (EXP) is auto-sequenced through the stored cryptograms. Each value displayed to the user is unique, and useful in a financial transaction only once. The Card thus requires no changes in behavior on the part of the User, because the existing merchant infrastructure is already equipped to collect PAN+CVV+EXP data for user verification and transaction authorization.

Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.