PAYMENT CARD FINANCIAL TRANSACTION AUTHENTICATOR
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United States of America Patent
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app pub date -
Oct 20, 2007
filing date -
Feb 17, 2007
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
A payment card financial transaction authenticates for providing overall financial network security computes a number of results from a cryptographic key that match values that were selectively used to personalize individual payment cards with their individual user identification and account access codes. An account access code is later presented daring a financial transaction involving at least one of those individual payment cards. A dynamic portion is included in a merchant's magnetic reading of the payment card. Then authenication can proceed by matching it with values computed from the cryptographic key.
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