Method and system for conducting a transaction using a proximity device and an identifier
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United States of America Patent
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N/A
Issued Date -
Jun 16, 2005
app pub date -
Jun 25, 2004
filing date -
Mar 19, 2002
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
A proximity device transmits a first dynamic authentication value contactlessly to a terminal. The first authentication value is included in a discretionary data field of message data arranged in an ISO Track 1 and/or ISO Track 2 format. Message data is sent from the terminal to an issuer. The issuer separately derives a second authentication value and compares it with the first authentication value. An identifier associated with the primary account number (PAN) is also used and transmitted instead of the PAN.
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