Financial transactions with dynamic card verification values
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United States of America Patent
Stats
-
Sep 1, 2009
Grant Date -
Jun 14, 2007
app pub date -
Dec 30, 2006
filing date -
Mar 15, 2004
priority date (Note) -
In Force
status (Latency Note)
Importance
Abstract
A payment card comprises an internal dynamic card verification value (CVV) generator and a user display for card-not-present transactions. Card-present transactions with merchant card readers are enabled by a dynamic magnetic array internally associated with the card's magnetic stripe. The user display and a timer are triggered by the user when the user needs to see the card verification value and/or begin a new transaction. A new card verification value is provided for each new transaction according to a cryptographic process, but the timer limits how soon a next new card verification value can be generated.
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