US20180137502A1 - Dynamic Card Verification Values and Credit Transactions - Google Patents
Dynamic Card Verification Values and Credit Transactions Download PDFInfo
- Publication number
- US20180137502A1 US20180137502A1 US15/814,146 US201715814146A US2018137502A1 US 20180137502 A1 US20180137502 A1 US 20180137502A1 US 201715814146 A US201715814146 A US 201715814146A US 2018137502 A1 US2018137502 A1 US 2018137502A1
- Authority
- US
- United States
- Prior art keywords
- user
- card
- secure wallet
- computing device
- merchant
- 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.)
- Abandoned
Links
- 238000012795 verification Methods 0.000 title claims abstract description 19
- 238000000034 method Methods 0.000 claims abstract description 30
- 238000004891 communication Methods 0.000 claims description 14
- 238000013475 authorization Methods 0.000 claims description 5
- 230000005540 biological transmission Effects 0.000 claims description 4
- 238000012790 confirmation Methods 0.000 claims 1
- 241001502578 Citrus variegation virus Species 0.000 abstract description 44
- 230000008569 process Effects 0.000 description 5
- 230000003993 interaction Effects 0.000 description 4
- 230000000153 supplemental effect Effects 0.000 description 4
- 230000001413 cellular effect Effects 0.000 description 3
- 230000037361 pathway Effects 0.000 description 3
- 230000003068 static effect Effects 0.000 description 3
- 230000009471 action Effects 0.000 description 2
- 230000006870 function Effects 0.000 description 2
- 238000004458 analytical method Methods 0.000 description 1
- 238000013459 approach Methods 0.000 description 1
- 230000008901 benefit Effects 0.000 description 1
- 230000008867 communication pathway Effects 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 238000010191 image analysis Methods 0.000 description 1
- 230000007774 longterm Effects 0.000 description 1
- 238000012544 monitoring process Methods 0.000 description 1
- 238000012545 processing Methods 0.000 description 1
- 230000009467 reduction Effects 0.000 description 1
- 230000001360 synchronised effect Effects 0.000 description 1
Images
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
- G06Q20/36—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
-
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- 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
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- 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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- 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
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/12—Card verification
Definitions
- Some credit card systems require authorization of the user and merchant. However, authorization of a given merchant is not protection that someone at the merchant (or someone monitoring a transaction) may abscond with a user's credit card number and associated verification information.
- FIG. 2 shows interactions between a card issuer and a user's computing device in accordance with one or more aspects of the invention.
- FIG. 3 shows interactions between a card issuer, a merchant, and a user's computing device in accordance with one or more aspects of the invention.
- aspects of the invention relates generally to providing a card verification value for credit card transactions.
- a merchant obtains the credit card number, expiration date, name of the cardholder, and a card verification value CVV of the card as a way of verifying that the cardholder has the physical card in possession.
- Card verification values are also referred to as CV2, card security code CSC, card verification value code CVVC, verification code (V-code or V code), and card code verification CCV.
- CVV is used for simplicity and is intended to cover the above card verification codes.
- One or more aspects relate to providing enhanced security for card-not-present transactions by providing a dynamic card verification value to be used with a single transaction.
- all data stored in a memory may be encrypted. In another example, only some of the information may be encrypted.
- various functions may be embodied as software modules executed by a computer that control the computer to perform the functions. Examples of computer-readable media include hard drives, flash memory, other dynamic memory, and other static memory as known in the art.
- User's computing device 202 may include secure wallet 206 running as purely software or as a combination of software and hardware.
- internal secure wallet 206 may include secure memory 210 that requires authentication for access to the contents within memory 210 .
- the secure wallet may include a processor 209 that controls access to memory 210 .
- the user's computing device may include one or more processors 207 and/or memory 208 .
- the user's computing device may permit unsecured operations to occur in processor 207 and memory 208 without needing to access secure wallet 206 and/or external secure wallet 203 .
- Communication device/interface 205 may permit user's computing device 202 to communicate with a communication device/interface 213 associated with card issuer 201 .
- the communication pathway between the card issuer 201 and user's computing device 202 may be direct or indirect through one or more servers/routers/bridges/switches and the like.
- card issuer 201 and user's computing device 202 may be configured to communicate with each other over both cellular transmission systems as well as over the Internet via a WiFi connection.
- a first path 321 is shown from interface 306 to communication device/interface 313 .
- This first path is the most secure by permitting completely encrypted credit card information and CVVs to be sent to communication device/interface 313 .
- FIG. 4 shows a user's computing device 401 with pathways similar to those of FIG. 3 .
- user's computing device 401 includes display 402 , communication device/interface 403 , and may include external secure wallet 404 , interface 406 , internal secure wallet 405 , a first path 411 linking interface 406 and communication device/interface 403 , a second path 407 linking interface 406 and display 402 , a third path 409 linking internal secure wallet 405 and display 402 , a fourth path 408 linking display 402 and communication device/interface 403 , and a fifth path 410 linking internal secure wallet 405 and communication device/interface 403 .
- the external wallet may determine whether the merchant is listed in a predetermined set of good merchants or bad merchants, or may attempt to authenticate credentials from the merchant passed to the external wallet. For instance, an external wallet may attempt to check an online resource (for example, a YellowpagesTM or WhitepagesTM listing) for information to authenticate the merchant.
- an online resource for example, a YellowpagesTM or WhitepagesTM listing
- the external wallet may attempt to authenticate the user as well in step 507 .
- CVVs may be replaced with new CVVs as needed.
- all CVVs previously sent to the secure wallet may be replaced with new CVVs, irrespective of whether the previous CVVs were used in a transaction.
- the CVV may be a static code assigned for the lifetime of a user's card.
- the CVV may be dynamically generated for each use of the card, different CVV codes can be generated for different transaction dollar values or limits, or for a predetermined duration of time (e.g., minutes, days, weeks, months, years, etc.).
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
- This application is a continuation of U.S. patent application Ser. No. 14/065,192, which is a continuation of U.S. patent application Ser. No. 12/732,349, filed Mar. 26, 2010, now U.S. Pat. No. 8,567,670, which claims priority from U.S. provisional applications No. 61/163,972, filed Mar. 27, 2009, and 61/308,493, filed Feb. 26, 2010. The contents of all of the above-referenced documents are incorporated herein by reference.
- Credit card users are becoming increasingly aware of credit card fraud as identity theft and other crimes increase. While users may be able to prove to merchants and banks that they were not responsible for credit card charges and ultimately be not responsible for unauthorized charges, the hassle, lost opportunity costs, reduction in credit scores, and potential for long-term litigation can make credit card users wary of providing credit card information in-person or online.
- Some credit card systems require authorization of the user and merchant. However, authorization of a given merchant is not protection that someone at the merchant (or someone monitoring a transaction) may abscond with a user's credit card number and associated verification information.
- Aspects of the invention relate to increasing security for credit card transactions. In some aspects, a dynamic card verification value may be provided in a secure fashion to a merchant and/or user. These and other aspects are described below.
-
FIG. 1 shows a credit card account in accordance with one or more aspects of the invention. -
FIG. 2 shows interactions between a card issuer and a user's computing device in accordance with one or more aspects of the invention. -
FIG. 3 shows interactions between a card issuer, a merchant, and a user's computing device in accordance with one or more aspects of the invention. -
FIG. 4 shows various pathways for secure and unsecured information as accessed through a user's computing device in accordance with one or more aspects of the invention. -
FIG. 5 shows various processes for obtaining credit card information in accordance with one or more aspects of the invention. -
FIG. 6 shows various processes for obtaining a card verification value in accordance with one or more aspects of the invention. -
FIG. 7 shows various examples for how to store multiple card verification values in accordance with one or more aspects of the invention. -
FIG. 8 shows various authentication procedures in accordance with aspects of the present invention. - Aspects of the invention relates generally to providing a card verification value for credit card transactions.
- It is noted that various connections are set forth between elements in the following description. It is noted that these connections in general and, unless specified otherwise, may be direct or indirect and that this specification is not intended to be limiting in this respect.
-
FIG. 1 shows a credit card account in accordance with one or more aspects of the invention. A card issuer may provide a cardholder with acredit card account 101.Credit card account 101 may include a one or more credit cards that may be used for in-personcredit card transactions 102 and card-not-presentcredit card transactions 104. As used herein, card-not-presentcredit card transactions 104 may include online purchases, off-line form-based transactions (for instance, fax and paper mail-based transactions), recurring transactions, and the like. - A customer account number may have two credit cards: a virtual card and a physical card. In one example, the virtual card and the physical card may have the same credit card number. Alternatively, the virtual card and the physical card may have different credit card numbers. In this latter example, different credit card numbers may provide greater security and flexibility for the customer's account as loss of the physical card does not jeopardize the customer's use of the virtual card.
- Also, the virtual card may be able to access supplemental accounts. Similarly, the physical card may access its own supplemental accounts. These supplemental accounts can provide the user with additional flexibility in the overall customer's account by permitting the user to designate a supplemental account for a specific purpose (e.g., mortgage payments, car payments, and the like) and/or for a specific amount.
- The virtual card may be used for online purchases and recurring payments.
- In physical card presentment
transactions 102, a merchant obtains a credit card number, expiration date, and the name of the cardholder instep 103 to verify the credit card and, if the merchant asks for additional identification, to verify the identity of the cardholder. - In card-not-
present transactions 104, a merchant obtains the credit card number, expiration date, name of the cardholder, and a card verification value CVV of the card as a way of verifying that the cardholder has the physical card in possession. Card verification values are also referred to as CV2, card security code CSC, card verification value code CVVC, verification code (V-code or V code), and card code verification CCV. For purposes of explanation, the term CVV is used for simplicity and is intended to cover the above card verification codes. - In some situations, in-person credit card transactions may be processed as card-not-present transactions when, for instance, a merchant's transaction terminal cannot read a magnetic strip on a user's card. If the merchant keys in the credit card number and the CVV of the card, that transaction may be processed as a card-not-present transaction as opposed to an in-person credit card transaction.
- Both merchants and cardholders may be wary of each other in card-not-present transactions as, to the cardholder, these transactions may provide a greater degree of risk that the user's credit card information may be captured and used without authorization and as, to the merchant, these transactions may be based on illegally obtained credit card information. While the merchant may provide goods or services to the card user, the merchant may find out too late that the card transaction was fraudulent and the merchant is refused payment (or settlement) from the card issuer for the sold goods or services.
- One or more aspects relate to providing enhanced security for card-not-present transactions by providing a dynamic card verification value to be used with a single transaction.
-
FIG. 2 shows interactions between a card issuer and a user's computing device in accordance with one or more aspects of the invention.FIG. 2 shows acard issuer 201 and a user'scomputing device 202. The user'sportable computing device 202 may include a personal data assistant (PDA), Smart phone, or other portable computing device as known in the art. For instance, the user'scomputing device 202 may include a notebook computer, a cell phone with data capabilities, a handheld computing device with cellular capabilities, and the like. In another example, the user's computing device may also include a desktop computer, set top cable/satellite television box, gaming console, and other computing environments. In yet another example, the user may not own thecomputing device 202 but rather be only using thecomputing device 202 for a short period (for example, at an internet café). - Various examples and embodiments of the present invention are described with respect to one or more secure wallets. One of the wallets may be an external
secure wallet 203. Another of the wallets may be an internalsecure wallet 206. For purposes of explanation, bothexternal wallet 203 and internalsecure wallet 206 are described in the various embodiments. In some situations,external wallet 203 and internalsecure wallet 206 may be used together or may be present to a user'sportable computing device 202. It is appreciated, however, that only one of thewallets - External
secure wallet 203 includes amemory 212 and aninterface 204. Externalsecure wallet 203 and optionally include one ormore processors 211 to further enhance the security of the externalsecure wallet 203. For instance, the externalsecure wallet 203 may require various levels of authentication before it provides data to the user'scomputing device 202 viainterface 204. For instance, externalsecure wallet 203 may be a flash memory device having a USB interface asinterface 204. Similarly, externalsecure wallet 203 may be a variety of other external memory devices including, for instance, SD cards, Sony MEMORYSTOCK™, external hard drives, key fobs, and the like, each with one or more varieties ofinterfaces 204. Whileprocessor 211 is not required to be present on externalsecure wallet 203, somecard issuers 201 may find enhanced security through separate authentication and other encryption/decryption capabilities to be useful in protecting credit card information. - User's
computing device 202 may includesecure wallet 206 running as purely software or as a combination of software and hardware. For instance, internalsecure wallet 206 may includesecure memory 210 that requires authentication for access to the contents withinmemory 210. In another example, the secure wallet may include aprocessor 209 that controls access tomemory 210. In a further example, the user's computing device may include one ormore processors 207 and/ormemory 208. In this further example, the user's computing device may permit unsecured operations to occur inprocessor 207 andmemory 208 without needing to accesssecure wallet 206 and/or externalsecure wallet 203. - User's
computing device 202 may include auser interface 213 to receiveuser input 214 from a user.User interface 213 may include, for example, a microphone and speaker (for voice authentication), a numeric keypad, a display with one or more fields, accelerometers, one or more cameras, and the like. In some examples,user interface 213 may capture biometric information (iris scan, fingerprint, voice authentication (mentioned above) to provide enhanced authentication features to the internal or external secure wallets. One or more of these items may be used to provide a level of authentication (or multiple levels of authentication) to permit user access to at least one of internalsecure wallet 206 and externalsecure wallet 203. The input from theuser interface 213 may be compared with locally stored information or remotely obtained information to determine if the user is the authorized user of the device. Further, for enhanced security, the input from theuser interface 213 may be sent to a remote site (for example, to the card issuer or other remote entity) to authenticate the user as the authorized user. -
FIG. 8 shows various authentication procedures in accordance with aspects of the present invention. - In
step 801, the authentication procedure may include a fingerprint authentication, for example by using a fingerprint reader on a user's laptop. - In
step 802, the authentication procedure may include a voice authentication. For example, the user may use the microphone on the user's smart phone to provide a voice print to be analyzed for authenticating the user. The analysis may occur in the user's computing device or may occur remotely (for example, at the credit card issuing company or at another secure entity). - In
step 805, the voice print identification may be a predefined or known phrase previously recorded by the user. Alternatively, instep 806, the system may request a random phrase to be spoken by the user for authentication purposes. Using the random phrase instep 806 may provide greater security by preventing the various users from recording then repeating the standard phrase fromprocedure 805 with a stolen card number. - In
step 803, the system may require a picture of a user for identification and authentication of the user. For instance, the system may use a camera provided with a user's smart phone or a web cam associated with a user's laptop instep 807 to obtain an image of the user's face for comparison purposes. Here, the image of the user may be compared with a previously obtained image of the user to authenticate the user. Optionally, the photo authentication of the user may require a new picture for each online transaction. This optional approach provides an advantage by preventing a criminal from using a static photograph (for example from the user's drivers license) to authenticate the user. In other words, if an image received by the credit card issuing company is identical or within a very small tolerance between the known image and the newly received image of the user, the credit card issuing company may request a new photo or fail to authenticate the user. - In
step 808, the system may perform the image analysis of the comparison between the known photo of the user and the new photo of the user on the servers of the credit card company or other trusted entity. It is appreciated that various techniques may be used to provide the new photo to the credit card company's servers. For example, the image may be transmitted via e-mail, SMS, MMS, TCP/IP, and the like. - In
step 809, the verification of the new photo may occur locally in the user's cell phone or local computing device. - Finally, in
step 804, the user may be asked to perform an action to authenticate himself to the credit card company. For example, the action may be signing a touch sensitive trackpad of a notebook computer or touch sensitive surface of a smart phone, moving a mouse to form the user's signature, moving the user's smart phone in a predefined motion (using accelerometers inside the smart phone), and the like as a means of authentication. - Using these authentication procedures, a user may be authenticated via biometric or other physical identification procedures to permit the use of a credit card for online purchases. It is believed that these identification procedures will enhance the security of online transactions.
- Referring again to
FIG. 2 , user'scomputing device 202 may further include a communication device/interface 205 as embodied in hardware, software, or a combination. For instance, communication interface/device 205 may be a cellular telephone transceiver, a wireless network application device (for instance, WiFi or WiMAX), BLUETOOTH, IR, and other wireless communication devices. - Communication device/
interface 205 may permit user'scomputing device 202 to communicate with a communication device/interface 213 associated withcard issuer 201. The communication pathway between thecard issuer 201 and user'scomputing device 202 may be direct or indirect through one or more servers/routers/bridges/switches and the like. For instance,card issuer 201 and user'scomputing device 202 may be configured to communicate with each other over both cellular transmission systems as well as over the Internet via a WiFi connection. -
Card issuer 201 may include aprocessing system 214 as known in the art (for instance, a server or farm of servers) and storage system 215 (for instance, large-scale database or cloud-based storage systems as known in the art). - In one or more aspects,
card issuer 201 generates one or more card verification values that may be stored in at least one of externalsecure wallet 203 or internalsecure wallet 206. -
FIG. 3 shows interactions between a card issuer, a merchant, and a user's computing device in accordance with one or more aspects of the invention.FIG. 3 shows various examples of how a merchant that receives credit card information from a user can process that information with a card issuer. Here,card issuer 301, a user'scomputing device 302, and amerchant 303 are described for handling card-not-present transactions (and/or transactions requiring a CVV). - The user's
computing device 302 may include one or more components similar to that of user'scomputing device 202 ofFIG. 2 . For aid of explanation, various optional components are shown in broken lines. For instance, user'scomputing device 302 may include externalsecure wallet 304 with a memory 305 (and optionally a processor, not shown),interface 306, and internalsecure wallet 311 with memory 312 (and optionally a processor, not shown). InFIG. 3 , user'scomputing device 302 includes adisplay 307 with at least one region in which to display information to a user. Here, three regions are shown for reference (first region 308,second region 309, and Nth region 310). Five internal communication paths are shown within user'scomputing device 302. It is appreciated that not all of these communication paths will exist in all computingdevices 302 as based on the existence of various components. It is appreciated that the “paths” may be actually represented in dedicated hardware (for example, specific buses) in the user'scomputing device 302 or may be functional in nature (as being sent on one or more system buses or subsystem buses with appropriate headers). - A
first path 321 is shown frominterface 306 to communication device/interface 313. This first path is the most secure by permitting completely encrypted credit card information and CVVs to be sent to communication device/interface 313. - A
second path 322 is shown frominterface 306 to display 307. Thissecond path 322 may be used to provide acknowledgment content or information signifying secure content (for instance, a stream of asterisks). - A
third path 324 may be provided from internalsecure wallet 311 to display 307. This path may be used to forward credit card information and a CVV to a user for display indisplay 307. - The user may write down or manually copy the displayed credit card information and CVV to credit card information entry fields from a merchant (for example, to a merchant's downloaded page from the Internet, from another network, or into paper documents for subsequent credit card transactions) via a
fourth path 323. - A
fifth path 325 permits the credit card information and CVV to be transferred directly from internalsecure wallet 311 to themerchant 303 viainterface 313. In this example, thefifth path 325 may be used to allow internalsecure wallet 311 to populate fields on a displayed user interface as relating to a merchant's webpage to minimize errors in attempts to prevent theft of the credit card information and CVV by minimizing content displayed indisplay 307. - In another example, the user may be authenticated by the user's possession of any secure token in a user's computing device (for instance, in a notebook computer or in a smart phone). Alternatively the user may provide secure information to authenticate the user to the credit card issuing company.
- Another feature incorporates GPS technology. Alerts may be set to notify a card holder when the mobile phone is in a particular location conducting a transaction. The card holder may allow or disallow the transaction. The card holder may also set authorizations based on merchant amounts, etc.
-
FIG. 4 shows a user'scomputing device 401 with pathways similar to those ofFIG. 3 . InFIG. 4 , user'scomputing device 401 includesdisplay 402, communication device/interface 403, and may include externalsecure wallet 404,interface 406, internalsecure wallet 405, afirst path 411 linkinginterface 406 and communication device/interface 403, asecond path 407 linkinginterface 406 anddisplay 402, athird path 409 linking internalsecure wallet 405 anddisplay 402, afourth path 408 linkingdisplay 402 and communication device/interface 403, and afifth path 410 linking internalsecure wallet 405 and communication device/interface 403. - To enhance security, the credit card number and additional information (expiration date and CVV code) may be stored in a secure storage location either local to the user or remote. For instance, this information may be locally stored on a removable memory that may be attached to the user's computing device. Alternatively, the information may be remotely retrieved from the credit card issuing company or from another secure source.
-
FIG. 5 illustrates various processes for providing credit card information using the pathways ofFIG. 4 . Instep 501, a user desires to provide credit card information to a merchant. Instep 502, the user'scomputing device 401 receives a request from the user to provide credit card information in a form usable by a merchant (for instance, to be electronically transmitted to the merchant or displayed to a user who can forward the information to a merchant). Instep 503, the user'scomputing device 401 determines if an external wallet is present. If yes, the user'scomputing device 401 sends a request for credit card information to the external wallet instep 504. Instep 505, the external wallet attempts to authenticate the merchant. For instance, the external wallet may determine whether the merchant is listed in a predetermined set of good merchants or bad merchants, or may attempt to authenticate credentials from the merchant passed to the external wallet. For instance, an external wallet may attempt to check an online resource (for example, a Yellowpages™ or Whitepages™ listing) for information to authenticate the merchant. - Optionally, the external wallet may attempt to authenticate the user as well in
step 507. - If the merchant has been authenticated in step 506 (as well as the user in
step 507 if this step is used), then the external wallet may obtain a CVV instep 508. The external wallet may then forward the credit card information and CVV to merchant viapath 406 instep 509. Finally, the external wallet may send generic content to display in the user'scomputing device 401's display screen viapath 407 instep 510. - If the merchant (and/or user) was not authenticated in
step 506, then the user's computing device may refused to release credit card information to the user and/or merchant instep 511. - Alternatively, if the merchant was not authenticated in step 506 (for example, no online listing available for the merchant), or if an external wallet is not present, then the user may attempt to use an internal secure wallet to obtain the credit card information and CVV in
step 512. Here, the user'scomputing device 401 attempts to authenticate the user instep 513. If the user is authenticated fromstep 514, then the secure wallet obtains the credit card information and CVV instep 515. The secure wallet next sends the credit card information and CVV to the merchant viapath 410. Next, the secure wallet sends generic content to the display viapath 409. Alternatively, fromstep 515, upon user request (and possible further authentication), the secure wallet displays credit card information and a CVV in display viapath 409. - The user may then copy the information in display (from step 517) into a merchant's webpage or into forms for future credit card transactions.
-
FIG. 6 shows various processes for obtaining a card verification value in accordance with one or more aspects of the invention. Instep 601, a secure wallet (either internal or external) is requested to obtain credit card information including a CVV. - In a first example, the system determines if a connection to a card issuer is available in step 602 (the prior obtaining of the CVV may occur at an earlier time, when connectivity was available, and the
current step 602 may occur at the next burst of connectivity). If yes, then the secure wallet connects to the card issuer instep 603. The secure wallet authenticates itself to the card issuer, and requests a CVV instep 604. Instep 605, the secure wallet receives the CVV from the card issuer and forwards it as described inFIG. 5 . - If no connection to a card issuer is available in
step 602, then the secure wallet obtains a stored CVV from a local storage of one or more CVVs instep 606 and forwards the CVV as described inFIG. 5 . In some embodiments, the refresh and coordination with the card issuer can occur without connectivity, using similar CVV generation engines running at the issuing bank and the consumer's device (e.g., smart phone, PC, USB device, etc.). - Later, when the secure wallet is synchronized with the card issuer, used CVVs may be replaced with new CVVs as needed. Alternatively, all CVVs previously sent to the secure wallet may be replaced with new CVVs, irrespective of whether the previous CVVs were used in a transaction.
- In a second example, a secure wallet may not determine if a connection to a card issuer is available as shown in
step 602. Rather, a secure wallet may only obtain a CVV from its local storage of one or more CVVs. - In yet a further example, the CVV code may be locally generated based on an algorithm in synchronization with a corresponding algorithm in the credit card issuing company or in the secure other source. In this example, each CVV provided by the user's computing device may be only valid for a short period of time before a revised CVV is required.
-
FIG. 7 shows various techniques of storing CVVs in one or more secure wallets.FIG. 7 includes a user'scomputing device 701 with adisplay 702. At least one of external secure wallet 703 (and interface 704) and internalsecure wallet 705 is available tousers computing device 701. CVVs may be stored as a list with individual entries as shownlist 706. Alternatively, CVVs may be stored as a single string where each CVV is present as shown instring 707. The internal or external secure wallet may then parse thestring 707 for the next (or random) CVV and provided as needed. Such a code-within-a-code may help reduce risk of man-in-the-middle attacks. - The features above are simply examples, and variations may be made as desired. For example, the CVV may be a static code assigned for the lifetime of a user's card. Alternatively, the CVV may be dynamically generated for each use of the card, different CVV codes can be generated for different transaction dollar values or limits, or for a predetermined duration of time (e.g., minutes, days, weeks, months, years, etc.).
Claims (21)
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US15/814,146 US20180137502A1 (en) | 2009-03-27 | 2017-11-15 | Dynamic Card Verification Values and Credit Transactions |
Applications Claiming Priority (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US16397209P | 2009-03-27 | 2009-03-27 | |
US30849310P | 2010-02-26 | 2010-02-26 | |
US12/732,349 US8567670B2 (en) | 2009-03-27 | 2010-03-26 | Dynamic card verification values and credit transactions |
US14/065,192 US9858567B2 (en) | 2009-03-27 | 2013-10-28 | Dynamic card verification values and credit transactions |
US15/814,146 US20180137502A1 (en) | 2009-03-27 | 2017-11-15 | Dynamic Card Verification Values and Credit Transactions |
Related Parent Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US14/065,192 Continuation US9858567B2 (en) | 2009-03-27 | 2013-10-28 | Dynamic card verification values and credit transactions |
Publications (1)
Publication Number | Publication Date |
---|---|
US20180137502A1 true US20180137502A1 (en) | 2018-05-17 |
Family
ID=42814301
Family Applications (3)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/732,349 Active US8567670B2 (en) | 2009-03-27 | 2010-03-26 | Dynamic card verification values and credit transactions |
US14/065,192 Active 2032-04-04 US9858567B2 (en) | 2009-03-27 | 2013-10-28 | Dynamic card verification values and credit transactions |
US15/814,146 Abandoned US20180137502A1 (en) | 2009-03-27 | 2017-11-15 | Dynamic Card Verification Values and Credit Transactions |
Family Applications Before (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/732,349 Active US8567670B2 (en) | 2009-03-27 | 2010-03-26 | Dynamic card verification values and credit transactions |
US14/065,192 Active 2032-04-04 US9858567B2 (en) | 2009-03-27 | 2013-10-28 | Dynamic card verification values and credit transactions |
Country Status (2)
Country | Link |
---|---|
US (3) | US8567670B2 (en) |
CA (1) | CA2697921C (en) |
Families Citing this family (262)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US11475436B2 (en) * | 2010-01-08 | 2022-10-18 | Blackhawk Network, Inc. | System and method for providing a security code |
US8762263B2 (en) | 2005-09-06 | 2014-06-24 | Visa U.S.A. Inc. | System and method for secured account numbers in proximity devices |
US8121956B2 (en) | 2007-06-25 | 2012-02-21 | Visa U.S.A. Inc. | Cardless challenge systems and methods |
US7739169B2 (en) | 2007-06-25 | 2010-06-15 | Visa U.S.A. Inc. | Restricting access to compromised account information |
US7937324B2 (en) | 2007-09-13 | 2011-05-03 | Visa U.S.A. Inc. | Account permanence |
US20140067675A1 (en) * | 2012-09-06 | 2014-03-06 | American Express Travel Related Services Company, Inc. | Authentication using dynamic codes |
US9990674B1 (en) | 2007-12-14 | 2018-06-05 | Consumerinfo.Com, Inc. | Card registry systems and methods |
US8312033B1 (en) | 2008-06-26 | 2012-11-13 | Experian Marketing Solutions, Inc. | Systems and methods for providing an integrated identifier |
US8219489B2 (en) | 2008-07-29 | 2012-07-10 | Visa U.S.A. Inc. | Transaction processing using a global unique identifier |
US8060424B2 (en) | 2008-11-05 | 2011-11-15 | Consumerinfo.Com, Inc. | On-line method and system for monitoring and reporting unused available credit |
BRPI0921124A2 (en) | 2008-11-06 | 2016-09-13 | Visa Int Service Ass | system for authenticating a consumer, computer implemented method, computer readable medium, and server computer. |
CA2697921C (en) * | 2009-03-27 | 2019-09-24 | Intersections Inc. | Dynamic card verification values and credit transactions |
US20150206147A1 (en) * | 2009-03-27 | 2015-07-23 | Intersections Inc. | Dynamic Security Code |
US9715681B2 (en) | 2009-04-28 | 2017-07-25 | Visa International Service Association | Verification of portable consumer devices |
US9105027B2 (en) | 2009-05-15 | 2015-08-11 | Visa International Service Association | Verification of portable consumer device for secure services |
US9038886B2 (en) | 2009-05-15 | 2015-05-26 | Visa International Service Association | Verification of portable consumer devices |
US10846683B2 (en) | 2009-05-15 | 2020-11-24 | Visa International Service Association | Integration of verification tokens with mobile communication devices |
US8893967B2 (en) | 2009-05-15 | 2014-11-25 | Visa International Service Association | Secure Communication of payment information to merchants using a verification token |
US8534564B2 (en) | 2009-05-15 | 2013-09-17 | Ayman Hammad | Integration of verification tokens with mobile communication devices |
US7891560B2 (en) | 2009-05-15 | 2011-02-22 | Visa International Service Assocation | Verification of portable consumer devices |
US8602293B2 (en) | 2009-05-15 | 2013-12-10 | Visa International Service Association | Integration of verification tokens with portable computing devices |
US10140598B2 (en) | 2009-05-20 | 2018-11-27 | Visa International Service Association | Device including encrypted data for expiration date and verification value creation |
US10255591B2 (en) | 2009-12-18 | 2019-04-09 | Visa International Service Association | Payment channel returning limited use proxy dynamic value |
EP2524471B1 (en) | 2010-01-12 | 2015-03-11 | Visa International Service Association | Anytime validation for verification tokens |
US10255601B2 (en) | 2010-02-25 | 2019-04-09 | Visa International Service Association | Multifactor authentication using a directory server |
US9245267B2 (en) | 2010-03-03 | 2016-01-26 | Visa International Service Association | Portable account number for consumer payment account |
US9342832B2 (en) | 2010-08-12 | 2016-05-17 | Visa International Service Association | Securing external systems with account token substitution |
US9691055B2 (en) * | 2010-12-17 | 2017-06-27 | Google Inc. | Digital wallet |
AU2012217606A1 (en) | 2011-02-16 | 2013-05-09 | Visa International Service Association | Snap mobile payment apparatuses, methods and systems |
US10586227B2 (en) | 2011-02-16 | 2020-03-10 | Visa International Service Association | Snap mobile payment apparatuses, methods and systems |
SG193510A1 (en) | 2011-02-22 | 2013-10-30 | Visa Int Service Ass | Universal electronic payment apparatuses, methods and systems |
CN103503010B (en) | 2011-03-04 | 2017-12-29 | 维萨国际服务协会 | Ability to pay is bound to the safety element of computer |
US9280765B2 (en) | 2011-04-11 | 2016-03-08 | Visa International Service Association | Multiple tokenization for authentication |
US9582598B2 (en) | 2011-07-05 | 2017-02-28 | Visa International Service Association | Hybrid applications utilizing distributed models and views apparatuses, methods and systems |
WO2013006725A2 (en) | 2011-07-05 | 2013-01-10 | Visa International Service Association | Electronic wallet checkout platform apparatuses, methods and systems |
US9355393B2 (en) | 2011-08-18 | 2016-05-31 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
US9483606B1 (en) | 2011-07-08 | 2016-11-01 | Consumerinfo.Com, Inc. | Lifescore |
US9704155B2 (en) | 2011-07-29 | 2017-07-11 | Visa International Service Association | Passing payment tokens through an hop/sop |
US9710807B2 (en) | 2011-08-18 | 2017-07-18 | Visa International Service Association | Third-party value added wallet features and interfaces apparatuses, methods and systems |
US10825001B2 (en) | 2011-08-18 | 2020-11-03 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
US10242358B2 (en) | 2011-08-18 | 2019-03-26 | Visa International Service Association | Remote decoupled application persistent state apparatuses, methods and systems |
WO2013029014A2 (en) | 2011-08-24 | 2013-02-28 | Visa International Service Association | Method for using barcodes and mobile devices to conduct payment transactions |
US9106691B1 (en) | 2011-09-16 | 2015-08-11 | Consumerinfo.Com, Inc. | Systems and methods of identity protection and management |
US10223730B2 (en) | 2011-09-23 | 2019-03-05 | Visa International Service Association | E-wallet store injection search apparatuses, methods and systems |
US8738516B1 (en) | 2011-10-13 | 2014-05-27 | Consumerinfo.Com, Inc. | Debt services candidate locator |
US10223710B2 (en) | 2013-01-04 | 2019-03-05 | Visa International Service Association | Wearable intelligent vision device apparatuses, methods and systems |
US10147089B2 (en) | 2012-01-05 | 2018-12-04 | Visa International Service Association | Data protection with translation |
WO2013113004A1 (en) | 2012-01-26 | 2013-08-01 | Visa International Service Association | System and method of providing tokenization as a service |
AU2013214801B2 (en) | 2012-02-02 | 2018-06-21 | Visa International Service Association | Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems |
US10282724B2 (en) | 2012-03-06 | 2019-05-07 | Visa International Service Association | Security system incorporating mobile device |
US20130297501A1 (en) | 2012-05-04 | 2013-11-07 | Justin Monk | System and method for local data conversion |
US9853959B1 (en) | 2012-05-07 | 2017-12-26 | Consumerinfo.Com, Inc. | Storage and maintenance of personal data |
US9524501B2 (en) | 2012-06-06 | 2016-12-20 | Visa International Service Association | Method and system for correlating diverse transaction data |
WO2014008403A1 (en) | 2012-07-03 | 2014-01-09 | Visa International Service Association | Data protection hub |
US9846861B2 (en) | 2012-07-25 | 2017-12-19 | Visa International Service Association | Upstream and downstream data conversion |
US9256871B2 (en) | 2012-07-26 | 2016-02-09 | Visa U.S.A. Inc. | Configurable payment tokens |
US9665722B2 (en) | 2012-08-10 | 2017-05-30 | Visa International Service Association | Privacy firewall |
WO2014043278A1 (en) | 2012-09-11 | 2014-03-20 | Visa International Service Association | Cloud-based virtual wallet nfc apparatuses, methods and systems |
WO2014066559A1 (en) | 2012-10-23 | 2014-05-01 | Visa International Service Association | Transaction initiation determination system utilizing transaction data elements |
US9654541B1 (en) | 2012-11-12 | 2017-05-16 | Consumerinfo.Com, Inc. | Aggregating user web browsing data |
US9911118B2 (en) | 2012-11-21 | 2018-03-06 | Visa International Service Association | Device pairing via trusted intermediary |
US9916621B1 (en) | 2012-11-30 | 2018-03-13 | Consumerinfo.Com, Inc. | Presentation of credit score factors |
US10304047B2 (en) | 2012-12-07 | 2019-05-28 | Visa International Service Association | Token generating component |
US9741051B2 (en) | 2013-01-02 | 2017-08-22 | Visa International Service Association | Tokenization and third-party interaction |
US10740731B2 (en) | 2013-01-02 | 2020-08-11 | Visa International Service Association | Third party settlement |
US9947007B2 (en) * | 2013-01-27 | 2018-04-17 | Barry Greenbaum | Payment information technologies |
US9406085B1 (en) | 2013-03-14 | 2016-08-02 | Consumerinfo.Com, Inc. | System and methods for credit dispute processing, resolution, and reporting |
US10102570B1 (en) | 2013-03-14 | 2018-10-16 | Consumerinfo.Com, Inc. | Account vulnerability alerts |
US10685398B1 (en) | 2013-04-23 | 2020-06-16 | Consumerinfo.Com, Inc. | Presenting credit score information |
US11055710B2 (en) | 2013-05-02 | 2021-07-06 | Visa International Service Association | Systems and methods for verifying and processing transactions using virtual currency |
US20140337224A1 (en) * | 2013-05-07 | 2014-11-13 | Sarada Mohapatra | Cardholder Changeable CVV2 |
CA2912695A1 (en) | 2013-05-15 | 2014-11-20 | Visa International Service Association | Mobile tokenization hub |
US10878422B2 (en) | 2013-06-17 | 2020-12-29 | Visa International Service Association | System and method using merchant token |
JP6518244B2 (en) | 2013-07-24 | 2019-05-22 | ビザ インターナショナル サービス アソシエーション | Interoperable network token processing system and method |
EP3025291A4 (en) | 2013-07-26 | 2016-06-01 | Visa Int Service Ass | Provisioning payment credentials to a consumer |
WO2015021420A1 (en) | 2013-08-08 | 2015-02-12 | Visa International Service Association | Methods and systems for provisioning mobile devices with payment credentials |
US10496986B2 (en) | 2013-08-08 | 2019-12-03 | Visa International Service Association | Multi-network tokenization processing |
US9978094B2 (en) | 2013-10-11 | 2018-05-22 | Visa International Service Association | Tokenization revocation list |
CA2927052C (en) | 2013-10-11 | 2021-09-21 | Visa International Service Association | Network token system |
US10515358B2 (en) | 2013-10-18 | 2019-12-24 | Visa International Service Association | Contextual transaction token methods and systems |
US10489779B2 (en) | 2013-10-21 | 2019-11-26 | Visa International Service Association | Multi-network token bin routing with defined verification parameters |
CN104580125B (en) * | 2013-10-29 | 2019-03-01 | 腾讯科技(深圳)有限公司 | A kind of payment verification methods, devices and systems |
US10366387B2 (en) | 2013-10-29 | 2019-07-30 | Visa International Service Association | Digital wallet system and method |
US10121144B2 (en) * | 2013-11-04 | 2018-11-06 | Apple Inc. | Using biometric authentication for NFC-based payments |
CA2930149A1 (en) | 2013-11-19 | 2015-05-28 | Visa International Service Association | Automated account provisioning |
US9477737B1 (en) | 2013-11-20 | 2016-10-25 | Consumerinfo.Com, Inc. | Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules |
US20150161612A1 (en) * | 2013-12-05 | 2015-06-11 | Mastercard International Incorporated | Method and system for network based dynamic cvc authentication |
CA2931093A1 (en) | 2013-12-19 | 2015-06-25 | Visa International Service Association | Cloud-based transactions methods and systems |
US9922322B2 (en) | 2013-12-19 | 2018-03-20 | Visa International Service Association | Cloud-based transactions with magnetic secure transmission |
US10433128B2 (en) | 2014-01-07 | 2019-10-01 | Visa International Service Association | Methods and systems for provisioning multiple devices |
US9846878B2 (en) | 2014-01-14 | 2017-12-19 | Visa International Service Association | Payment account identifier system |
WO2015138976A2 (en) * | 2014-03-13 | 2015-09-17 | Intersections Inc. | Dynamic security code |
US10026087B2 (en) | 2014-04-08 | 2018-07-17 | Visa International Service Association | Data passed in an interaction |
US9942043B2 (en) | 2014-04-23 | 2018-04-10 | Visa International Service Association | Token security on a communication device |
CN106233664B (en) | 2014-05-01 | 2020-03-13 | 维萨国际服务协会 | Data authentication using an access device |
SG11201609216YA (en) | 2014-05-05 | 2016-12-29 | Visa Int Service Ass | System and method for token domain control |
EP3146747B1 (en) | 2014-05-21 | 2020-07-01 | Visa International Service Association | Offline authentication |
US11023890B2 (en) | 2014-06-05 | 2021-06-01 | Visa International Service Association | Identification and verification for provisioning mobile application |
US9780953B2 (en) | 2014-07-23 | 2017-10-03 | Visa International Service Association | Systems and methods for secure detokenization |
US10484345B2 (en) | 2014-07-31 | 2019-11-19 | Visa International Service Association | System and method for identity verification across mobile applications |
US9775029B2 (en) | 2014-08-22 | 2017-09-26 | Visa International Service Association | Embedding cloud-based functionalities in a communication device |
US10140615B2 (en) | 2014-09-22 | 2018-11-27 | Visa International Service Association | Secure mobile device credential provisioning using risk decision non-overrides |
US10255456B2 (en) | 2014-09-26 | 2019-04-09 | Visa International Service Association | Remote server encrypted data provisioning system and methods |
US11257074B2 (en) | 2014-09-29 | 2022-02-22 | Visa International Service Association | Transaction risk based token |
US10015147B2 (en) | 2014-10-22 | 2018-07-03 | Visa International Service Association | Token enrollment system and method |
GB201419016D0 (en) | 2014-10-24 | 2014-12-10 | Visa Europe Ltd | Transaction Messaging |
US10325261B2 (en) | 2014-11-25 | 2019-06-18 | Visa International Service Association | Systems communications with non-sensitive identifiers |
EP3224784A4 (en) | 2014-11-26 | 2017-11-08 | Visa International Service Association | Tokenization request via access device |
AU2015361023B2 (en) | 2014-12-12 | 2019-08-29 | Visa International Service Association | Provisioning platform for machine-to-machine devices |
US10257185B2 (en) | 2014-12-12 | 2019-04-09 | Visa International Service Association | Automated access data provisioning |
US10187363B2 (en) | 2014-12-31 | 2019-01-22 | Visa International Service Association | Hybrid integration of software development kit with secure execution environment |
US10096009B2 (en) | 2015-01-20 | 2018-10-09 | Visa International Service Association | Secure payment processing using authorization request |
US11250391B2 (en) | 2015-01-30 | 2022-02-15 | Visa International Service Association | Token check offline |
WO2016126729A1 (en) | 2015-02-03 | 2016-08-11 | Visa International Service Association | Validation identity tokens for transactions |
US10977657B2 (en) | 2015-02-09 | 2021-04-13 | Visa International Service Association | Token processing utilizing multiple authorizations |
US10164996B2 (en) | 2015-03-12 | 2018-12-25 | Visa International Service Association | Methods and systems for providing a low value token buffer |
CA2977427A1 (en) | 2015-04-10 | 2016-10-13 | Visa International Service Association | Browser integration with cryptogram |
US9998978B2 (en) | 2015-04-16 | 2018-06-12 | Visa International Service Association | Systems and methods for processing dormant virtual access devices |
US10552834B2 (en) | 2015-04-30 | 2020-02-04 | Visa International Service Association | Tokenization capable authentication framework |
AU2016337614A1 (en) | 2015-10-15 | 2018-03-15 | Visa International Service Association | Instant token issuance system |
FR3043483B1 (en) * | 2015-11-10 | 2018-11-02 | Ingenico Group | METHOD OF ENCRYPTING DATA OF PAYMENT MEANS, MEANS OF PAYMENT, SERVER AND CORRESPONDING PROGRAMS |
WO2017096300A1 (en) | 2015-12-04 | 2017-06-08 | Visa International Service Association | Unique code for token verification |
CA3009659C (en) | 2016-01-07 | 2022-12-13 | Visa International Service Association | Systems and methods for device push provisioning |
US11861592B1 (en) * | 2016-01-08 | 2024-01-02 | American Express Travel Related Services Company, Inc. | System, method and computer readable storage for enabling an instantaneous instrument |
CA3008688A1 (en) | 2016-02-01 | 2017-08-10 | Visa International Service Association | Systems and methods for code display and use |
US11501288B2 (en) | 2016-02-09 | 2022-11-15 | Visa International Service Association | Resource provider account token provisioning and processing |
US10313321B2 (en) | 2016-04-07 | 2019-06-04 | Visa International Service Association | Tokenization of co-network accounts |
CA3014875A1 (en) | 2016-04-19 | 2017-10-26 | Visa International Service Association | Systems and methods for performing push transactions |
US11250424B2 (en) | 2016-05-19 | 2022-02-15 | Visa International Service Association | Systems and methods for creating subtokens using primary tokens |
EP3466017B1 (en) | 2016-06-03 | 2021-05-19 | Visa International Service Association | Subtoken management system for connected devices |
US11068899B2 (en) | 2016-06-17 | 2021-07-20 | Visa International Service Association | Token aggregation for multi-party transactions |
SG11201808737YA (en) | 2016-06-24 | 2018-11-29 | Visa Int Service Ass | Unique token authentication cryptogram |
CN116471105A (en) | 2016-07-11 | 2023-07-21 | 维萨国际服务协会 | Encryption key exchange procedure using access means |
CN116739570A (en) | 2016-07-19 | 2023-09-12 | 维萨国际服务协会 | Method for distributing tokens and managing token relationships |
US10509779B2 (en) | 2016-09-14 | 2019-12-17 | Visa International Service Association | Self-cleaning token vault |
WO2018098492A1 (en) | 2016-11-28 | 2018-05-31 | Visa International Service Association | Access identifier provisioning to application |
US10915899B2 (en) | 2017-03-17 | 2021-02-09 | Visa International Service Association | Replacing token on a multi-token user device |
US10902418B2 (en) | 2017-05-02 | 2021-01-26 | Visa International Service Association | System and method using interaction token |
US11494765B2 (en) | 2017-05-11 | 2022-11-08 | Visa International Service Association | Secure remote transaction system using mobile devices |
US10574650B2 (en) | 2017-05-17 | 2020-02-25 | Bank Of America Corporation | System for electronic authentication with live user determination |
US10387632B2 (en) | 2017-05-17 | 2019-08-20 | Bank Of America Corporation | System for provisioning and allowing secure access to a virtual credential |
US10491389B2 (en) | 2017-07-14 | 2019-11-26 | Visa International Service Association | Token provisioning utilizing a secure authentication system |
SG11202008451RA (en) | 2018-03-07 | 2020-09-29 | Visa Int Service Ass | Secure remote token release with online authentication |
US11256789B2 (en) | 2018-06-18 | 2022-02-22 | Visa International Service Association | Recurring token transactions |
US10546444B2 (en) | 2018-06-21 | 2020-01-28 | Capital One Services, Llc | Systems and methods for secure read-only authentication |
US10769299B2 (en) | 2018-07-12 | 2020-09-08 | Capital One Services, Llc | System and method for dynamic generation of URL by smart card |
WO2020041594A1 (en) | 2018-08-22 | 2020-02-27 | Visa International Service Association | Method and system for token provisioning and processing |
US20200074541A1 (en) | 2018-09-05 | 2020-03-05 | Consumerinfo.Com, Inc. | Generation of data structures based on categories of matched data items |
WO2020072670A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10748138B2 (en) | 2018-10-02 | 2020-08-18 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
JP2022502901A (en) | 2018-10-02 | 2022-01-11 | キャピタル・ワン・サービシーズ・リミテッド・ライアビリティ・カンパニーCapital One Services, LLC | Systems and methods for cryptographic authentication of non-contact cards |
WO2020072690A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10771254B2 (en) | 2018-10-02 | 2020-09-08 | Capital One Services, Llc | Systems and methods for email-based card activation |
US10554411B1 (en) | 2018-10-02 | 2020-02-04 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10489781B1 (en) | 2018-10-02 | 2019-11-26 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
WO2020072626A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10909527B2 (en) | 2018-10-02 | 2021-02-02 | Capital One Services, Llc | Systems and methods for performing a reissue of a contactless card |
US10771253B2 (en) | 2018-10-02 | 2020-09-08 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10607214B1 (en) | 2018-10-02 | 2020-03-31 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10949520B2 (en) | 2018-10-02 | 2021-03-16 | Capital One Services, Llc | Systems and methods for cross coupling risk analytics and one-time-passcodes |
WO2020072537A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10542036B1 (en) | 2018-10-02 | 2020-01-21 | Capital One Services, Llc | Systems and methods for signaling an attack on contactless cards |
US10511443B1 (en) | 2018-10-02 | 2019-12-17 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10581611B1 (en) | 2018-10-02 | 2020-03-03 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
WO2020072474A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US11210664B2 (en) | 2018-10-02 | 2021-12-28 | Capital One Services, Llc | Systems and methods for amplifying the strength of cryptographic algorithms |
SG11202101171VA (en) | 2018-10-02 | 2021-03-30 | Capital One Services Llc | Systems and methods for cryptographic authentication of contactless cards |
US10592710B1 (en) | 2018-10-02 | 2020-03-17 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
WO2020072440A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10565587B1 (en) | 2018-10-02 | 2020-02-18 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10685350B2 (en) | 2018-10-02 | 2020-06-16 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
BR112021005150A2 (en) | 2018-10-02 | 2021-06-15 | Capital One Services, Llc | data transmission system, method of guiding a transmission device, and receiving application |
US10630653B1 (en) | 2018-10-02 | 2020-04-21 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10582386B1 (en) | 2018-10-02 | 2020-03-03 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10505738B1 (en) | 2018-10-02 | 2019-12-10 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10579998B1 (en) | 2018-10-02 | 2020-03-03 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
WO2020072583A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for establishing identity for order pick up |
WO2020072550A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
EP3864601A4 (en) | 2018-10-08 | 2021-11-17 | Visa International Service Association | Techniques for token proximity transactions |
CN113015992B (en) | 2018-11-14 | 2023-02-17 | 维萨国际服务协会 | Cloud token provisioning of multiple tokens |
US11315179B1 (en) | 2018-11-16 | 2022-04-26 | Consumerinfo.Com, Inc. | Methods and apparatuses for customized card recommendations |
US20200226581A1 (en) | 2019-01-11 | 2020-07-16 | Capital One Services, Llc | Systems and methods for touch screen interface interaction using a card overlay |
US11037136B2 (en) | 2019-01-24 | 2021-06-15 | Capital One Services, Llc | Tap to autofill card data |
US11120453B2 (en) | 2019-02-01 | 2021-09-14 | Capital One Services, Llc | Tap card to securely generate card data to copy to clipboard |
US10467622B1 (en) | 2019-02-01 | 2019-11-05 | Capital One Services, Llc | Using on-demand applications to generate virtual numbers for a contactless card to securely autofill forms |
US10510074B1 (en) | 2019-02-01 | 2019-12-17 | Capital One Services, Llc | One-tap payment using a contactless card |
US11238656B1 (en) | 2019-02-22 | 2022-02-01 | Consumerinfo.Com, Inc. | System and method for an augmented reality experience via an artificial intelligence bot |
US10425129B1 (en) | 2019-02-27 | 2019-09-24 | Capital One Services, Llc | Techniques to reduce power consumption in near field communication systems |
US10523708B1 (en) | 2019-03-18 | 2019-12-31 | Capital One Services, Llc | System and method for second factor authentication of customer support calls |
US10438437B1 (en) | 2019-03-20 | 2019-10-08 | Capital One Services, Llc | Tap to copy data to clipboard via NFC |
US10535062B1 (en) | 2019-03-20 | 2020-01-14 | Capital One Services, Llc | Using a contactless card to securely share personal data stored in a blockchain |
US10984416B2 (en) | 2019-03-20 | 2021-04-20 | Capital One Services, Llc | NFC mobile currency transfer |
US10643420B1 (en) | 2019-03-20 | 2020-05-05 | Capital One Services, Llc | Contextual tapping engine |
US10970712B2 (en) | 2019-03-21 | 2021-04-06 | Capital One Services, Llc | Delegated administration of permissions using a contactless card |
US10467445B1 (en) | 2019-03-28 | 2019-11-05 | Capital One Services, Llc | Devices and methods for contactless card alignment with a foldable mobile device |
WO2020236135A1 (en) | 2019-05-17 | 2020-11-26 | Visa International Service Association | Virtual access credential interaction system and method |
US11521262B2 (en) | 2019-05-28 | 2022-12-06 | Capital One Services, Llc | NFC enhanced augmented reality information overlays |
US10516447B1 (en) | 2019-06-17 | 2019-12-24 | Capital One Services, Llc | Dynamic power levels in NFC card communications |
US11297507B2 (en) | 2019-06-20 | 2022-04-05 | Bank Of America Corporation | Co-location security system |
US11392933B2 (en) | 2019-07-03 | 2022-07-19 | Capital One Services, Llc | Systems and methods for providing online and hybridcard interactions |
US11694187B2 (en) | 2019-07-03 | 2023-07-04 | Capital One Services, Llc | Constraining transactional capabilities for contactless cards |
US10871958B1 (en) | 2019-07-03 | 2020-12-22 | Capital One Services, Llc | Techniques to perform applet programming |
US10713649B1 (en) | 2019-07-09 | 2020-07-14 | Capital One Services, Llc | System and method enabling mobile near-field communication to update display on a payment card |
US10498401B1 (en) | 2019-07-15 | 2019-12-03 | Capital One Services, Llc | System and method for guiding card positioning using phone sensors |
US10885514B1 (en) | 2019-07-15 | 2021-01-05 | Capital One Services, Llc | System and method for using image data to trigger contactless card transactions |
US10832271B1 (en) | 2019-07-17 | 2020-11-10 | Capital One Services, Llc | Verified reviews using a contactless card |
US10733601B1 (en) | 2019-07-17 | 2020-08-04 | Capital One Services, Llc | Body area network facilitated authentication or payment authorization |
US11182771B2 (en) | 2019-07-17 | 2021-11-23 | Capital One Services, Llc | System for value loading onto in-vehicle device |
US11521213B2 (en) | 2019-07-18 | 2022-12-06 | Capital One Services, Llc | Continuous authentication for digital services based on contactless card positioning |
US10506426B1 (en) | 2019-07-19 | 2019-12-10 | Capital One Services, Llc | Techniques for call authentication |
US10541995B1 (en) | 2019-07-23 | 2020-01-21 | Capital One Services, Llc | First factor contactless card authentication system and method |
US11941065B1 (en) | 2019-09-13 | 2024-03-26 | Experian Information Solutions, Inc. | Single identifier platform for storing entity data |
CA3153291A1 (en) | 2019-10-02 | 2021-04-08 | Evan Lerner | Client device authentication using contactless legacy magnetic stripe data |
US10733283B1 (en) | 2019-12-23 | 2020-08-04 | Capital One Services, Llc | Secure password generation and management using NFC and contactless smart cards |
US11651361B2 (en) | 2019-12-23 | 2023-05-16 | Capital One Services, Llc | Secure authentication based on passport data stored in a contactless card |
US11113685B2 (en) | 2019-12-23 | 2021-09-07 | Capital One Services, Llc | Card issuing with restricted virtual numbers |
US11615395B2 (en) | 2019-12-23 | 2023-03-28 | Capital One Services, Llc | Authentication for third party digital wallet provisioning |
US10862540B1 (en) | 2019-12-23 | 2020-12-08 | Capital One Services, Llc | Method for mapping NFC field strength and location on mobile devices |
US10885410B1 (en) | 2019-12-23 | 2021-01-05 | Capital One Services, Llc | Generating barcodes utilizing cryptographic techniques |
US10657754B1 (en) | 2019-12-23 | 2020-05-19 | Capital One Services, Llc | Contactless card and personal identification system |
US11200563B2 (en) | 2019-12-24 | 2021-12-14 | Capital One Services, Llc | Account registration using a contactless card |
US10664941B1 (en) | 2019-12-24 | 2020-05-26 | Capital One Services, Llc | Steganographic image encoding of biometric template information on a card |
US10853795B1 (en) | 2019-12-24 | 2020-12-01 | Capital One Services, Llc | Secure authentication based on identity data stored in a contactless card |
US10757574B1 (en) | 2019-12-26 | 2020-08-25 | Capital One Services, Llc | Multi-factor authentication providing a credential via a contactless card for secure messaging |
US10909544B1 (en) | 2019-12-26 | 2021-02-02 | Capital One Services, Llc | Accessing and utilizing multiple loyalty point accounts |
US11038688B1 (en) | 2019-12-30 | 2021-06-15 | Capital One Services, Llc | Techniques to control applets for contactless cards |
US10860914B1 (en) | 2019-12-31 | 2020-12-08 | Capital One Services, Llc | Contactless card and method of assembly |
US11455620B2 (en) | 2019-12-31 | 2022-09-27 | Capital One Services, Llc | Tapping a contactless card to a computing device to provision a virtual number |
US11301863B2 (en) * | 2020-01-27 | 2022-04-12 | Mastercard International Incorporated | Cardholder selected card validation code for card-not-present transactions |
US11210656B2 (en) | 2020-04-13 | 2021-12-28 | Capital One Services, Llc | Determining specific terms for contactless card activation |
US10915888B1 (en) | 2020-04-30 | 2021-02-09 | Capital One Services, Llc | Contactless card with multiple rotating security keys |
US11030339B1 (en) | 2020-04-30 | 2021-06-08 | Capital One Services, Llc | Systems and methods for data access control of personal user data using a short-range transceiver |
US11222342B2 (en) | 2020-04-30 | 2022-01-11 | Capital One Services, Llc | Accurate images in graphical user interfaces to enable data transfer |
US10861006B1 (en) | 2020-04-30 | 2020-12-08 | Capital One Services, Llc | Systems and methods for data access control using a short-range transceiver |
US11823175B2 (en) | 2020-04-30 | 2023-11-21 | Capital One Services, Llc | Intelligent card unlock |
US10963865B1 (en) | 2020-05-12 | 2021-03-30 | Capital One Services, Llc | Augmented reality card activation experience |
US11100511B1 (en) | 2020-05-18 | 2021-08-24 | Capital One Services, Llc | Application-based point of sale system in mobile operating systems |
US11063979B1 (en) | 2020-05-18 | 2021-07-13 | Capital One Services, Llc | Enabling communications between applications in a mobile operating system |
US11216623B1 (en) | 2020-08-05 | 2022-01-04 | Capital One Services, Llc | Systems and methods for controlling secured data transfer via URLs |
US11683325B2 (en) | 2020-08-11 | 2023-06-20 | Capital One Services, Llc | Systems and methods for verified messaging via short-range transceiver |
US11062098B1 (en) | 2020-08-11 | 2021-07-13 | Capital One Services, Llc | Augmented reality information display and interaction via NFC based authentication |
US11165586B1 (en) | 2020-10-30 | 2021-11-02 | Capital One Services, Llc | Call center web-based authentication using a contactless card |
US11482312B2 (en) | 2020-10-30 | 2022-10-25 | Capital One Services, Llc | Secure verification of medical status using a contactless card |
US11373169B2 (en) | 2020-11-03 | 2022-06-28 | Capital One Services, Llc | Web-based activation of contactless cards |
US11216799B1 (en) | 2021-01-04 | 2022-01-04 | Capital One Services, Llc | Secure generation of one-time passcodes using a contactless card |
US12021861B2 (en) * | 2021-01-04 | 2024-06-25 | Bank Of America Corporation | Identity verification through multisystem cooperation |
US11682012B2 (en) | 2021-01-27 | 2023-06-20 | Capital One Services, Llc | Contactless delivery systems and methods |
US11562358B2 (en) | 2021-01-28 | 2023-01-24 | Capital One Services, Llc | Systems and methods for near field contactless card communication and cryptographic authentication |
US11687930B2 (en) | 2021-01-28 | 2023-06-27 | Capital One Services, Llc | Systems and methods for authentication of access tokens |
US11792001B2 (en) | 2021-01-28 | 2023-10-17 | Capital One Services, Llc | Systems and methods for secure reprovisioning |
US11438329B2 (en) | 2021-01-29 | 2022-09-06 | Capital One Services, Llc | Systems and methods for authenticated peer-to-peer data transfer using resource locators |
US11777933B2 (en) | 2021-02-03 | 2023-10-03 | Capital One Services, Llc | URL-based authentication for payment cards |
US11637826B2 (en) | 2021-02-24 | 2023-04-25 | Capital One Services, Llc | Establishing authentication persistence |
US11245438B1 (en) | 2021-03-26 | 2022-02-08 | Capital One Services, Llc | Network-enabled smart apparatus and systems and methods for activating and provisioning same |
US11935035B2 (en) | 2021-04-20 | 2024-03-19 | Capital One Services, Llc | Techniques to utilize resource locators by a contactless card to perform a sequence of operations |
US11961089B2 (en) | 2021-04-20 | 2024-04-16 | Capital One Services, Llc | On-demand applications to extend web services |
US11902442B2 (en) | 2021-04-22 | 2024-02-13 | Capital One Services, Llc | Secure management of accounts on display devices using a contactless card |
US11354555B1 (en) | 2021-05-04 | 2022-06-07 | Capital One Services, Llc | Methods, mediums, and systems for applying a display to a transaction card |
US12041172B2 (en) | 2021-06-25 | 2024-07-16 | Capital One Services, Llc | Cryptographic authentication to control access to storage devices |
US12061682B2 (en) | 2021-07-19 | 2024-08-13 | Capital One Services, Llc | System and method to perform digital authentication using multiple channels of communication |
US12062258B2 (en) | 2021-09-16 | 2024-08-13 | Capital One Services, Llc | Use of a payment card to unlock a lock |
US12069173B2 (en) | 2021-12-15 | 2024-08-20 | Capital One Services, Llc | Key recovery based on contactless card authentication |
Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20040031856A1 (en) * | 1998-09-16 | 2004-02-19 | Alon Atsmon | Physical presence digital authentication system |
US20060259390A1 (en) * | 2003-06-19 | 2006-11-16 | Rosenberger Ronald J | Multiple account preset parameter method, apparatus and systems for financial transactions and accounts |
US20080110983A1 (en) * | 2006-11-15 | 2008-05-15 | Bank Of America Corporation | Method and apparatus for using at least a portion of a one-time password as a dynamic card verification value |
US20080222038A1 (en) * | 2005-07-05 | 2008-09-11 | Tomer Eden | Location Based Authentication System |
US20090068982A1 (en) * | 2007-09-10 | 2009-03-12 | Microsoft Corporation | Mobile wallet and digital payment |
US8567670B2 (en) * | 2009-03-27 | 2013-10-29 | Intersections Inc. | Dynamic card verification values and credit transactions |
Family Cites Families (44)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP3571383B2 (en) * | 1994-10-19 | 2004-09-29 | 株式会社日立製作所 | IC card, IC card read / write device and electronic wallet system |
EP0798673A1 (en) * | 1996-03-29 | 1997-10-01 | Koninklijke KPN N.V. | Method of securely loading commands in a smart card |
US6019284A (en) * | 1998-01-27 | 2000-02-01 | Viztec Inc. | Flexible chip card with display |
US7606771B2 (en) | 2001-01-11 | 2009-10-20 | Cardinalcommerce Corporation | Dynamic number authentication for credit/debit cards |
US7458508B1 (en) | 2003-05-12 | 2008-12-02 | Id Analytics, Inc. | System and method for identity-based fraud detection |
US7562814B1 (en) | 2003-05-12 | 2009-07-21 | Id Analytics, Inc. | System and method for identity-based fraud detection through graph anomaly detection |
US7686214B1 (en) | 2003-05-12 | 2010-03-30 | Id Analytics, Inc. | System and method for identity-based fraud detection using a plurality of historical identity records |
US20060159124A1 (en) | 2003-07-21 | 2006-07-20 | France Telecom | Access control of a multimedia session according to network resources availability |
US7740168B2 (en) | 2003-08-18 | 2010-06-22 | Visa U.S.A. Inc. | Method and system for generating a dynamic verification value |
US7761374B2 (en) | 2003-08-18 | 2010-07-20 | Visa International Service Association | Method and system for generating a dynamic verification value |
US7472829B2 (en) | 2004-12-10 | 2009-01-06 | Qsecure, Inc. | Payment card with internally generated virtual account numbers for its magnetic stripe encoder and user display |
US7584153B2 (en) | 2004-03-15 | 2009-09-01 | Qsecure, Inc. | Financial transactions with dynamic card verification values |
US7580898B2 (en) | 2004-03-15 | 2009-08-25 | Qsecure, Inc. | Financial transactions with dynamic personal account numbers |
US7431202B1 (en) * | 2004-03-17 | 2008-10-07 | Clifford Anthony Meador | System and method to monitor credit card transactions |
US7506812B2 (en) * | 2004-09-07 | 2009-03-24 | Semtek Innovative Solutions Corporation | Transparently securing data for transmission on financial networks |
US20070067833A1 (en) | 2005-09-20 | 2007-03-22 | Colnot Vincent C | Methods and Apparatus for Enabling Secure Network-Based Transactions |
US20130332343A1 (en) | 2005-10-06 | 2013-12-12 | C-Sam, Inc. | Multi-tiered, secure mobile transactions ecosystem enabling platform comprising a personalization tier, a service tier, and an enabling tier |
US7818264B2 (en) | 2006-06-19 | 2010-10-19 | Visa U.S.A. Inc. | Track data encryption |
US9065643B2 (en) | 2006-04-05 | 2015-06-23 | Visa U.S.A. Inc. | System and method for account identifier obfuscation |
US20080017704A1 (en) | 2006-07-24 | 2008-01-24 | First Data Corporation | Contactless Electronic Wallet Payment Device |
US7469151B2 (en) | 2006-09-01 | 2008-12-23 | Vivotech, Inc. | Methods, systems and computer program products for over the air (OTA) provisioning of soft cards on devices with wireless communications capabilities |
US8165635B2 (en) | 2006-09-01 | 2012-04-24 | Vivotech, Inc. | Methods, systems, and computer readable media for over the air (OTA) provisioning of soft cards on devices with wireless communications capabilities |
US20080126251A1 (en) | 2006-09-21 | 2008-05-29 | Tomas Karl-Axel Wassingbo | System and method for utilizing a portable network device to initiate and authorize a payment transaction |
US8346639B2 (en) | 2007-02-28 | 2013-01-01 | Visa U.S.A. Inc. | Authentication of a data card using a transit verification value |
US20080203170A1 (en) | 2007-02-28 | 2008-08-28 | Visa U.S.A. Inc. | Fraud prevention for transit fare collection |
US8504451B2 (en) | 2006-11-16 | 2013-08-06 | Visa U.S.A. Inc. | Method and system using candidate dynamic data elements |
US20080126262A1 (en) * | 2006-11-29 | 2008-05-29 | Colin Brady | System and Method for Secure Transactions |
US20090006262A1 (en) | 2006-12-30 | 2009-01-01 | Brown Kerry D | Financial transaction payment processor |
US7866551B2 (en) | 2007-02-15 | 2011-01-11 | Visa U.S.A. Inc. | Dynamic payment device characteristics |
US8359630B2 (en) | 2007-08-20 | 2013-01-22 | Visa U.S.A. Inc. | Method and system for implementing a dynamic verification value |
US8010428B2 (en) | 2007-09-26 | 2011-08-30 | Visa Usa Inc. | Form factor identification |
US8095113B2 (en) | 2007-10-17 | 2012-01-10 | First Data Corporation | Onetime passwords for smart chip cards |
US7567920B2 (en) | 2007-11-01 | 2009-07-28 | Visa U.S.A. Inc. | On-line authorization in access environment |
US8038068B2 (en) | 2007-11-28 | 2011-10-18 | Visa U.S.A. Inc. | Multifunction removable cover for portable payment device |
US20090150295A1 (en) | 2007-12-09 | 2009-06-11 | Jeffrey Alan Hatch | Validation service for payment cards with preloaded dynamic card verification values |
WO2009089099A1 (en) * | 2008-01-04 | 2009-07-16 | M2 International Ltd. | Dynamic card verification value |
US8117648B2 (en) | 2008-02-08 | 2012-02-14 | Intersections, Inc. | Secure information storage and delivery system and method |
US20090204525A1 (en) | 2008-02-13 | 2009-08-13 | Simon Phillips | Payment device to issuer communication via authorization request |
US20100027786A1 (en) | 2008-02-14 | 2010-02-04 | Patrick Faith | Dynamic encryption authentication |
BRPI0911807A2 (en) | 2008-04-29 | 2015-10-06 | Visa Usa Inc | computer readable medium, server computer, method, and access device |
US20090319287A1 (en) | 2008-06-24 | 2009-12-24 | Ayman Hammad | Authentication segmentation |
US8898089B2 (en) | 2008-06-24 | 2014-11-25 | Visa U.S.A. Inc. | Dynamic verification value system and method |
US8281991B2 (en) | 2008-08-07 | 2012-10-09 | Visa U.S.A. Inc. | Transaction secured in an untrusted environment |
US8977569B2 (en) | 2011-09-29 | 2015-03-10 | Raj Rao | System and method for providing smart electronic wallet and reconfigurable transaction card thereof |
-
2010
- 2010-03-26 CA CA2697921A patent/CA2697921C/en active Active
- 2010-03-26 US US12/732,349 patent/US8567670B2/en active Active
-
2013
- 2013-10-28 US US14/065,192 patent/US9858567B2/en active Active
-
2017
- 2017-11-15 US US15/814,146 patent/US20180137502A1/en not_active Abandoned
Patent Citations (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20040031856A1 (en) * | 1998-09-16 | 2004-02-19 | Alon Atsmon | Physical presence digital authentication system |
US20060259390A1 (en) * | 2003-06-19 | 2006-11-16 | Rosenberger Ronald J | Multiple account preset parameter method, apparatus and systems for financial transactions and accounts |
US20080222038A1 (en) * | 2005-07-05 | 2008-09-11 | Tomer Eden | Location Based Authentication System |
US20080110983A1 (en) * | 2006-11-15 | 2008-05-15 | Bank Of America Corporation | Method and apparatus for using at least a portion of a one-time password as a dynamic card verification value |
US20090068982A1 (en) * | 2007-09-10 | 2009-03-12 | Microsoft Corporation | Mobile wallet and digital payment |
US8567670B2 (en) * | 2009-03-27 | 2013-10-29 | Intersections Inc. | Dynamic card verification values and credit transactions |
US9858567B2 (en) * | 2009-03-27 | 2018-01-02 | Intersections Inc. | Dynamic card verification values and credit transactions |
Also Published As
Publication number | Publication date |
---|---|
US20150371220A9 (en) | 2015-12-24 |
CA2697921A1 (en) | 2010-09-27 |
US9858567B2 (en) | 2018-01-02 |
US8567670B2 (en) | 2013-10-29 |
CA2697921C (en) | 2019-09-24 |
US20100258625A1 (en) | 2010-10-14 |
US20150120538A1 (en) | 2015-04-30 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US20180137502A1 (en) | Dynamic Card Verification Values and Credit Transactions | |
US10771251B1 (en) | Identity management service via virtual passport | |
US10706136B2 (en) | Authentication-activated augmented reality display device | |
CN106688004B (en) | Transaction authentication method and device, mobile terminal, POS terminal and server | |
US11157905B2 (en) | Secure on device cardholder authentication using biometric data | |
US7578436B1 (en) | Method and apparatus for providing secure document distribution | |
US7021534B1 (en) | Method and apparatus for providing secure document distribution | |
US7314167B1 (en) | Method and apparatus for providing secure identification, verification and authorization | |
US7379921B1 (en) | Method and apparatus for providing authentication | |
US7380708B1 (en) | Method and apparatus for providing secure document distribution | |
CN112805737A (en) | Techniques for token proximity transactions | |
EP3186739B1 (en) | Secure on device cardholder authentication using biometric data | |
US20150206147A1 (en) | Dynamic Security Code | |
JP2005063077A (en) | Method and device for personal authentication and connector | |
US20210241266A1 (en) | Enhancing 3d secure user authentication for online transactions | |
WO2015138976A2 (en) | Dynamic security code | |
CA3221653A1 (en) | Systems, methods, and non-transitory computer-readable media for authentication and authorization of payment request | |
CN1604525A (en) | Granting access to a system based on the use of a card having stored user data thereon | |
AU2021107510A4 (en) | A method for electronic identity verification and management | |
US12045818B2 (en) | Identity verification using a virtual credential | |
US20230259602A1 (en) | Method for electronic identity verification and management | |
KR101171003B1 (en) | A system for financial deals | |
CN117981274A (en) | Remote identity interaction | |
GB2511769A (en) | Methods, devices and systems for verification of financial transactions |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
AS | Assignment |
Owner name: INTERSECTIONS INC., VIRGINIA Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:STANFIELD, MICHAEL;TSANTES, GEORGE K.;VACCA, JOSEPH;REEL/FRAME:044845/0838 Effective date: 20100512 |
|
AS | Assignment |
Owner name: WC SACD ONE PARENT, INC., MASSACHUSETTS Free format text: SECURITY INTEREST;ASSIGNOR:INTERSECTIONS INC.;REEL/FRAME:047374/0165 Effective date: 20181031 |
|
STPP | Information on status: patent application and granting procedure in general |
Free format text: FINAL REJECTION MAILED |
|
AS | Assignment |
Owner name: CERBERUS BUSINESS FINANCE AGENCY, LLC, AS COLLATER Free format text: ASSIGNMENT FOR SECURITY -- PATENTS;ASSIGNOR:INTERSECTIONS INC.;REEL/FRAME:049866/0904 Effective date: 20190213 |
|
AS | Assignment |
Owner name: INTERSECTIONS INC., VIRGINIA Free format text: RELEASE OF SECURITY INTEREST IN PATENTS;ASSIGNOR:WC SACD ONE PARENT, INC.;REEL/FRAME:048333/0300 Effective date: 20190213 |
|
STPP | Information on status: patent application and granting procedure in general |
Free format text: DOCKETED NEW CASE - READY FOR EXAMINATION |
|
STPP | Information on status: patent application and granting procedure in general |
Free format text: NON FINAL ACTION MAILED |
|
AS | Assignment |
Owner name: INTERSECTIONS INC., VIRGINIA Free format text: RELEASE OF SECURITY INTEREST IN PATENTS;ASSIGNOR:CERBERUS BUSINESS FINANCE AGENCY, LLC;REEL/FRAME:053117/0168 Effective date: 20200630 |
|
AS | Assignment |
Owner name: JPMORGAN CHASE BANK, N.A., ILLINOIS Free format text: SECURITY INTEREST;ASSIGNORS:PANGO, INC.;INTERSECTIONS INC.;REEL/FRAME:053105/0591 Effective date: 20200630 |
|
STPP | Information on status: patent application and granting procedure in general |
Free format text: FINAL REJECTION MAILED |
|
STCB | Information on status: application discontinuation |
Free format text: ABANDONED -- FAILURE TO RESPOND TO AN OFFICE ACTION |
|
AS | Assignment |
Owner name: INTERSECTIONS INC., VIRGINIA Free format text: RELEASE BY SECURED PARTY;ASSIGNOR:JPMORGAN CHASE BANK, N.A.;REEL/FRAME:058330/0983 Effective date: 20211203 Owner name: PANGO, INC., MASSACHUSETTS Free format text: RELEASE BY SECURED PARTY;ASSIGNOR:JPMORGAN CHASE BANK, N.A.;REEL/FRAME:058330/0983 Effective date: 20211203 |
|
AS | Assignment |
Owner name: INTERSECTIONS, LLC, VIRGINIA Free format text: CHANGE OF NAME;ASSIGNOR:INTERSECTIONS INC.;REEL/FRAME:060108/0641 Effective date: 20211220 Owner name: AURA SUB LLC, VIRGINIA Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:INTERSECTIONS INC. (NOW KNOWN AS INTERSECTIONS LLC);REEL/FRAME:059946/0561 Effective date: 20220517 |
|
AS | Assignment |
Owner name: INTERSECTIONS, LLC, MASSACHUSETTS Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:CF NEWCO, INC.;REEL/FRAME:065688/0040 Effective date: 20221231 Owner name: AURA HOLDCO, LLC, MASSACHUSETTS Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:AURA SUB, LLC;REEL/FRAME:065687/0773 Effective date: 20221231 Owner name: CF NEWCO, INC., MASSACHUSETTS Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:CF INTERMEDIATE HOLDINGS, LLC;REEL/FRAME:065687/0902 Effective date: 20221231 Owner name: CF INTERMEDIATE HOLDINGS, LLC, MASSACHUSETTS Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:AURA HOLDCO, LLC;REEL/FRAME:065687/0854 Effective date: 20221231 |
|
AS | Assignment |
Owner name: AURA SUB, LLC, MASSACHUSETTS Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:INTERSECTIONS, LLC;REEL/FRAME:065875/0853 Effective date: 20231214 |