WO2014107594A3 - System and method for providing a security code - Google Patents

System and method for providing a security code Download PDF

Info

Publication number
WO2014107594A3
WO2014107594A3 PCT/US2014/010206 US2014010206W WO2014107594A3 WO 2014107594 A3 WO2014107594 A3 WO 2014107594A3 US 2014010206 W US2014010206 W US 2014010206W WO 2014107594 A3 WO2014107594 A3 WO 2014107594A3
Authority
WO
WIPO (PCT)
Prior art keywords
security code
providing
value card
request
calculated
Prior art date
Application number
PCT/US2014/010206
Other languages
French (fr)
Other versions
WO2014107594A2 (en
Inventor
Tushar VAISH
Manoj K. Kannembath
Original Assignee
Blackhawk Network, Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Blackhawk Network, Inc. filed Critical Blackhawk Network, Inc.
Priority to AU2014204010A priority Critical patent/AU2014204010A1/en
Priority to GB1512611.3A priority patent/GB2523972B/en
Priority to CA2897145A priority patent/CA2897145C/en
Publication of WO2014107594A2 publication Critical patent/WO2014107594A2/en
Publication of WO2014107594A3 publication Critical patent/WO2014107594A3/en
Priority to AU2019253898A priority patent/AU2019253898A1/en
Priority to AU2021261960A priority patent/AU2021261960A1/en
Priority to AU2024200015A priority patent/AU2024200015A1/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication

Abstract

Systems and methods for providing a security code of an electronic stored value card are disclosed. A computer implemented method may include receiving a request for a security code of an electronic stored-value card, calculating the security code by a security code provider, providing a calculated security code of the electronic-stored value card in response to the request for a security code, and eliminating the calculated security code from databases of the security code provider. A computer-implemented electronic stored-value card security code providing system may be configured to receive a request for a security code of the electronic stored-value card, to calculate the security code, to provide the calculated security code in response to the request for a security code, and to eliminate the calculated security code from the system.
PCT/US2014/010206 2013-01-03 2014-01-03 System and method for providing a security code WO2014107594A2 (en)

Priority Applications (6)

Application Number Priority Date Filing Date Title
AU2014204010A AU2014204010A1 (en) 2013-01-03 2014-01-03 System and method for providing a security code
GB1512611.3A GB2523972B (en) 2013-01-03 2014-01-03 System and method for providing a security code
CA2897145A CA2897145C (en) 2013-01-03 2014-01-03 System and method for providing a security code
AU2019253898A AU2019253898A1 (en) 2013-01-03 2019-10-25 System and method for providing a security code
AU2021261960A AU2021261960A1 (en) 2013-01-03 2021-11-05 System and method for providing a security code
AU2024200015A AU2024200015A1 (en) 2013-01-03 2024-01-02 System and method for providing a security code

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US201361748679P 2013-01-03 2013-01-03
US61/748,679 2013-01-03
US201361799500P 2013-03-15 2013-03-15
US61/799,500 2013-03-15

Publications (2)

Publication Number Publication Date
WO2014107594A2 WO2014107594A2 (en) 2014-07-10
WO2014107594A3 true WO2014107594A3 (en) 2014-09-12

Family

ID=51062552

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2014/010206 WO2014107594A2 (en) 2013-01-03 2014-01-03 System and method for providing a security code

Country Status (4)

Country Link
AU (4) AU2014204010A1 (en)
CA (2) CA2897145C (en)
GB (2) GB2523972B (en)
WO (1) WO2014107594A2 (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8967464B2 (en) 2003-05-28 2015-03-03 Ewi Holdings, Inc. System and method for electronic prepaid account replenishment

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050229003A1 (en) 2004-04-09 2005-10-13 Miles Paschini System and method for distributing personal identification numbers over a computer network
US10205721B2 (en) 2002-12-10 2019-02-12 Ewi Holdings, Inc. System and method for distributing personal identification numbers over a computer network
US7280644B2 (en) 2004-12-07 2007-10-09 Ewi Holdings, Inc. Transaction processing platform for faciliating electronic distribution of plural prepaid services
US11599873B2 (en) 2010-01-08 2023-03-07 Blackhawk Network, Inc. Systems and methods for proxy card and/or wallet redemption card transactions
US11475436B2 (en) 2010-01-08 2022-10-18 Blackhawk Network, Inc. System and method for providing a security code
US10296895B2 (en) 2010-01-08 2019-05-21 Blackhawk Network, Inc. System for processing, activating and redeeming value added prepaid cards
US10037526B2 (en) 2010-01-08 2018-07-31 Blackhawk Network, Inc. System for payment via electronic wallet
US9852414B2 (en) 2010-01-08 2017-12-26 Blackhawk Network, Inc. System for processing, activating and redeeming value added prepaid cards
EP2601632A4 (en) 2010-08-27 2016-04-27 Blackhawk Network Inc Prepaid card with savings feature
US11042870B2 (en) 2012-04-04 2021-06-22 Blackhawk Network, Inc. System and method for using intelligent codes to add a stored-value card to an electronic wallet
WO2014081822A2 (en) 2012-11-20 2014-05-30 Blackhawk Network, Inc. System and method for using intelligent codes in conjunction with stored-value cards
US10977639B2 (en) 2016-01-25 2021-04-13 Freelancer Technology Pty Limited Adaptive gateway switching system

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5534683A (en) * 1993-09-30 1996-07-09 Giesecke & Devrient Gmbh System for conducting transactions with a multifunctional card having an electronic purse
US20030191945A1 (en) * 2002-04-03 2003-10-09 Swivel Technologies Limited System and method for secure credit and debit card transactions
US20090173782A1 (en) * 2008-01-04 2009-07-09 Muscato Michael A Dynamic Card Validation Value
US20090200371A1 (en) * 2007-10-17 2009-08-13 First Data Corporation Onetime passwords for smart chip cards
US20100293093A1 (en) * 2009-05-13 2010-11-18 Igor Karpenko Alterable Security Value
US20110101093A1 (en) * 2007-08-19 2011-05-05 Yubico Ab Device and method for generating dynamic credit card data

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110166992A1 (en) * 2010-01-06 2011-07-07 Firethorn Holdings, Llc System and method for creating and managing a stored value account associated with a client unique identifier
US10068287B2 (en) * 2010-06-11 2018-09-04 David A. Nelsen Systems and methods to manage and control use of a virtual card
AU2011313826B2 (en) * 2010-10-08 2015-10-08 Ecred Pty Ltd System and method of conducting transactions
WO2012109089A1 (en) * 2011-02-07 2012-08-16 Firethorn Mobile, Inc. System and method for creating and managing a stored value account associated with a client unique identifer

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5534683A (en) * 1993-09-30 1996-07-09 Giesecke & Devrient Gmbh System for conducting transactions with a multifunctional card having an electronic purse
US20030191945A1 (en) * 2002-04-03 2003-10-09 Swivel Technologies Limited System and method for secure credit and debit card transactions
US20110101093A1 (en) * 2007-08-19 2011-05-05 Yubico Ab Device and method for generating dynamic credit card data
US20090200371A1 (en) * 2007-10-17 2009-08-13 First Data Corporation Onetime passwords for smart chip cards
US20090173782A1 (en) * 2008-01-04 2009-07-09 Muscato Michael A Dynamic Card Validation Value
US20100293093A1 (en) * 2009-05-13 2010-11-18 Igor Karpenko Alterable Security Value

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8967464B2 (en) 2003-05-28 2015-03-03 Ewi Holdings, Inc. System and method for electronic prepaid account replenishment
US9558484B2 (en) 2003-05-28 2017-01-31 Ewi Holdings, Inc. System and method for electronic prepaid account replenishment

Also Published As

Publication number Publication date
CA2897145C (en) 2023-10-17
GB2581282A (en) 2020-08-12
GB2523972A (en) 2015-09-09
AU2024200015A1 (en) 2024-01-25
GB201512611D0 (en) 2015-08-26
CA2897145A1 (en) 2014-07-10
WO2014107594A2 (en) 2014-07-10
GB202004990D0 (en) 2020-05-20
AU2014204010A1 (en) 2015-07-23
CA3210948A1 (en) 2014-07-10
AU2021261960A1 (en) 2021-12-02
GB2523972B (en) 2020-10-07
AU2019253898A1 (en) 2019-11-14

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