Payment card with dynamic account number
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United States of America Patent
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Jul 23, 2013
Grant Date -
Feb 19, 2009
app pub date -
Aug 17, 2007
filing date -
Aug 17, 2007
priority date (Note) -
In Force
status (Latency Note)
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Abstract
A payment card comprises a processor, a trigger source coupled to the processor, and a display for outputting at least a portion of a dynamic account number under control of the processor responsive to the trigger source. The dynamic account number is determined based at least in part on a seed stored in the payment card and an output of the trigger source. In an illustrative embodiment, the dynamic account number is generated utilizing a time-based or event-based one-time password algorithm. For example, in a time-based embodiment, the trigger source may comprise a time of day clock, with the dynamic account number being determined based at least in part on the seed and a current value of the time of day clock. In an event-based embodiment, the trigger source may comprise an event counter, with the dynamic account number being determined based at least in part on the seed and a current value of the event counter.
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