GB2523972A - System and method for providing a security code - Google Patents

System and method for providing a security code Download PDF

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Publication number
GB2523972A
GB2523972A GB1512611.3A GB201512611A GB2523972A GB 2523972 A GB2523972 A GB 2523972A GB 201512611 A GB201512611 A GB 201512611A GB 2523972 A GB2523972 A GB 2523972A
Authority
GB
United Kingdom
Prior art keywords
security code
providing
value card
request
calculated
Prior art date
Legal status (The legal status 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 status listed.)
Granted
Application number
GB1512611.3A
Other versions
GB2523972B (en
GB201512611D0 (en
Inventor
Tushar Vaish
Manoj K Kannembath
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Blackhawk Network Inc
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 GB2004990.4A priority Critical patent/GB2581282A/en
Publication of GB201512611D0 publication Critical patent/GB201512611D0/en
Publication of GB2523972A publication Critical patent/GB2523972A/en
Application granted granted Critical
Publication of GB2523972B publication Critical patent/GB2523972B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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
    • 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
    • G06Q20/38—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
    • 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

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Hardware Design (AREA)
  • General Engineering & Computer Science (AREA)
  • Software Systems (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Storage Device Security (AREA)
  • Alarm Systems (AREA)
  • Circuits Of Receivers In General (AREA)

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.
GB1512611.3A 2013-01-03 2014-01-03 System and method for providing a security code Active GB2523972B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB2004990.4A GB2581282A (en) 2013-01-03 2014-01-03 System and method for providing a security code

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US201361748679P 2013-01-03 2013-01-03
US201361799500P 2013-03-15 2013-03-15
PCT/US2014/010206 WO2014107594A2 (en) 2013-01-03 2014-01-03 System and method for providing a security code

Publications (3)

Publication Number Publication Date
GB201512611D0 GB201512611D0 (en) 2015-08-26
GB2523972A true GB2523972A (en) 2015-09-09
GB2523972B GB2523972B (en) 2020-10-07

Family

ID=51062552

Family Applications (2)

Application Number Title Priority Date Filing Date
GB1512611.3A Active GB2523972B (en) 2013-01-03 2014-01-03 System and method for providing a security code
GB2004990.4A Pending GB2581282A (en) 2013-01-03 2014-01-03 System and method for providing a security code

Family Applications After (1)

Application Number Title Priority Date Filing Date
GB2004990.4A Pending GB2581282A (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
US10977639B2 (en) 2016-01-25 2021-04-13 Freelancer Technology Pty Limited Adaptive gateway switching system

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
WO2004107280A2 (en) 2003-05-28 2004-12-09 Ewi Holdings, Inc. System and method for electronic prepaid account replenishment
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
WO2011085241A1 (en) 2010-01-08 2011-07-14 Blackhawk Network, Inc. A 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
CN103299331A (en) 2010-08-27 2013-09-11 黑鹰网络股份有限公司 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

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
WO2012045128A1 (en) * 2010-10-08 2012-04-12 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 (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10977639B2 (en) 2016-01-25 2021-04-13 Freelancer Technology Pty Limited Adaptive gateway switching system

Also Published As

Publication number Publication date
AU2021261960A1 (en) 2021-12-02
GB202004990D0 (en) 2020-05-20
AU2014204010A1 (en) 2015-07-23
CA2897145A1 (en) 2014-07-10
GB2523972B (en) 2020-10-07
AU2024200015A1 (en) 2024-01-25
GB2581282A (en) 2020-08-12
CA3210948A1 (en) 2014-07-10
GB201512611D0 (en) 2015-08-26
CA2897145C (en) 2023-10-17
AU2019253898A1 (en) 2019-11-14
WO2014107594A3 (en) 2014-09-12
WO2014107594A2 (en) 2014-07-10

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